All about Jammu and Kashmir Housing Board

Jammu and Kashmir’s irresistible allure has not only attracted people as tourists but as potential land and house owners in the state, too. The Jammu and Kashmir Housing Board aims to build houses over the state so that they can add to the overall infrastructural framework.

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Goals of J&K Housing Board

The Jammu and Kashmir Housing Board was established in March 1976, under the Jammu & Kashmir Housing Board Act, 1976. The Act was passed, to build a governmental body that would construct ‘affordable housing for all’ and fulfill other such schemes. Other primary goals of this Act were for the Housing Board to provide quality residential complexes and construct other necessary government buildings in Jammu and Kashmir. Other goals to be fulfilled by the provision of this Act were:

Providing housing settlements in both urban and rural areas in the state.
Construction of flats under self-financing schemes
Construction of office or commercial complexes authorised by the government.
Executing works related to the housing facilities provided to government employees.
Execution of deposit works for other government departments
Any other project authorised by the government of Jammu and Kashmir.

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The Jammu and Kashmir Housing Board aims to build inclusive, high-grade housing colonies throughout the state, irrespective of caste, religion, creed, and gender.

The J&K Housing Board, Srinagar, is also working towards providing houses suitable to each economic unit, so that the people of Jammu and Kashmir have access to the best housing units available in their particular income bracket. The J&K Housing Board also aims at laying out ground plans and architectural frameworks that live up to urban requirements.

Along with the housing facilities, they also aim at providing basic amenities such as water and an installed drainage system. The J&K Housing Board also aims at providing public amenities such as durable roads, street lights, school buildings, community spaces, etc.

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Key schemes launched by J&K Housing Board

The main schemes launched by the Jammu and Kashmir Housing Board are residential and commercial. Under the residential schemes, the board has planned to develop board colonies, government colonies, flats under SFS (Self-Financing Scheme), and rental housing for Darbar move employees. For board projects, the J&K Housing Board has built 14 housing colonies (6 in Jammu Division, 7 in Kashmir Division, and 1 in Ladakh), comprising 8,724 plots. They have also built 8 government colonies (2 in Jammu and the rest in Kashmir). They have also built 6 SFS colonies (5 in Jammu and 1 in Kashmir). The board has also built 10 rental housing facilities for the Darbar move employees (6 in Jammu and 4 in Kashmir).

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How to Apply for Houses under the J&K Housing Board?

The J&K Housing Board usually issues advertisements for the public in many newspapers, asking them to apply for the housing facilities. The advertisements mention all the particulars related to the houses such as plot area, cost, eligibility details of accommodation, etc. There are some rules and regulations that must be followed:

The allottee of the house has to bear all applicable charges. The managing director of the Jammu and Kashmir Housing Board has the discretionary power to reject any application with/without a reason.
In the case of flats, an area other than the specified area will be treated as a common space.
The residential complexes will not be used by the allottee for any other purpose than residential.
The allottee will bear any license charges and lease charges concerning the allotted property.
All the disputes concerning the property amongst the covenants will go to the chairman of the J&K Housing Board, and their decision shall be final and binding.
The water/electric charges, upon agreement from respective authorities in Jammu and Kashmir, will be borne by the lessee.
The housing board can decide to suspend/postpone the scheme. In such a case, the registration shall be refunded within 90 days from the date of registration.

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Documents required to apply for homes of J&K housing board

Self-attested copy of State Subject Certificate
Two passport-size photographs
Photocopy of the brochure where each page is duly signed by the applicant.
Income Certificate
Affidavit for self-employed people

Who can apply for the Housing Scheme of the Jammu and Kashmir Housing Board?

Any resident of the state of Jammu and Kashmir and citizen of India is eligible to apply for the scheme.
The resident should be 18 years old or above.
Multiple members from one family can apply under the housing scheme, but only one of them will gain an allotment of just one house.
If you have transferred your property in the name of your spouse or any other relative, you are then not allowed to apply for fresh registration under the housing scheme.
The applicant cannot hold any property or plot issued by the government in the state of Jammu and Kashmir.
The applicant should be a salaried employee or a business owner and have an income capacity that allows them to pay off EMIs that may be issued for the repayment of a loan sanctioned against the property.

Apart from this, there are special reservations within the housing scheme that some people enjoy. Preferences to people falling under the categories of Scheduled Caste, Scheduled Tribe, Physically Challenged, Other Backward Classes, Defence Personnel, War Widows, ex-Servicemen, and others. The Housing Board also has the right to reserve housing units for government officials, officials serving the board, journalists, etc.

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How are the houses by the Housing Board allotted?

The houses under the housing scheme are allotted through a draw/raffle if the number of applicants goes over the number of houses available for allotment. But in case any malpractice is detected, the board reserves the right to revoke the allotment. The MD also has the right to initiate any legal proceedings against the offender.

In the case of invalidation of allotment or unfavourable applicants, the registration fee shall be refunded (without any interest) within 90 days of the announcement of allotments.

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