The Goa (Grant of loan to weaker sections of society for construction/improvement/repair of houses) Scheme, 1997

{
    "id": 16399,
    "slug": "the-goa-grant-of-loan-to-weaker-sections-of-society-for-construction-improvement-repair-of-houses-scheme-1997",
    "title": "The Goa (Grant of loan to weaker sections of society for construction/improvement/repair of houses) Scheme, 1997",
    "short_title": "The Goa (Grant of loan to weaker sections of society for construction/improvement/repair of houses) Scheme, 1997",
    "act_number": "Published vide Notification No. 24/2/97/Const. Rep",
    "act_year": 1997,
    "act_type": "STATE",
    "location": "Goa",
    "law_status": "unknown",
    "enactment_date": null,
    "description": "The Goa (Grant of loan to weaker sections of society for construction/improvement/repair of houses) Scheme, 1997",
    "preamble": "",
    "section_label": "Section",
    "sections": [
        {
            "number": "1",
            "title": "1. Short title and commencement.",
            "chapter": null,
            "content": "",
            "footnote": "",
            "is_definition": false,
            "sort_order": 0
        },
        {
            "number": "2",
            "title": "2. Eligibility.",
            "chapter": null,
            "content": "Explanation:-",
            "footnote": "",
            "is_definition": false,
            "sort_order": 1
        },
        {
            "number": "3",
            "title": "3. Purposes.",
            "chapter": null,
            "content": "",
            "footnote": "",
            "is_definition": false,
            "sort_order": 2
        },
        {
            "number": "4",
            "title": "4. Amount of loan.",
            "chapter": null,
            "content": "(i) First instalment of Rs. 5,000/-.\n(ii) Second instalment of Rs. 10,000/-.\n(iii) Third instalment of Rs. 5,000/-.",
            "footnote": "",
            "is_definition": false,
            "sort_order": 3
        },
        {
            "number": "5",
            "title": "5. Interest.",
            "chapter": null,
            "content": "",
            "footnote": "",
            "is_definition": false,
            "sort_order": 4
        },
        {
            "number": "6",
            "title": "6. Recovery of loan.",
            "chapter": null,
            "content": "",
            "footnote": "",
            "is_definition": false,
            "sort_order": 5
        },
        {
            "number": "7",
            "title": "7. Manner of applying for loan.",
            "chapter": null,
            "content": "(a) Title documents;\n(b) Permission from the Panchayat;\n(c) Site Plan;\n(d) Model of the house;\n(e) Photograph of the applicant;\n(f) Income Certificate;\n(g) Residential Certificate;\n(h) Certificate issued by the Mamlatdar to the effect that the applicant and his father or mother were born in Goa.",
            "footnote": "",
            "is_definition": false,
            "sort_order": 6
        },
        {
            "number": "8",
            "title": "8. Other conditions.",
            "chapter": null,
            "content": "",
            "footnote": "",
            "is_definition": false,
            "sort_order": 7
        },
        {
            "number": "9",
            "title": "9. Sanctioning Authority.",
            "chapter": null,
            "content": "",
            "footnote": "",
            "is_definition": false,
            "sort_order": 8
        },
        {
            "number": "10",
            "title": "10. Miscellaneous.",
            "chapter": null,
            "content": "Annexure 'A'\nAnnexure 'A'\nForm of Application\nForm of Application\nFor grant of loans for construction/improvement/repair of houses\n(b) Boundaries of the site-North, South, West and East.\nFor construction of new house or complete re-building of old house\n(a) Cost;\n(b) Plinth area;\n(In case some modifications are required in the model plans to suit individual requirements attach a rough plan of the house as it should be with approximate estimate of the cost and specifications)\nFor improvement of existing houses\n(a) Cost:\n(b) Nature and extent (Mention in details the purpose for which the loan is required, i. e. whether it is for enlarging a accommodation, construction of a kitchen, store, cattleshed, re-flooring, re-roofing, provision of doors, windows and ventilators etc.)\n(a) In cash;\n(b) In the form of material;\n(c) In the form of his own labour or the members of his family.\nPurpose of loan\nAmount (in rupees)\nAmount still to be repaid (in rupees)\n(Signature or thumb impression of the applicant.)\nAnnexure B\nAnnexure B\nAgreement-cum-Mortgage\nAgreement-cum-Mortgage",
            "footnote": "",
            "is_definition": false,
            "sort_order": 9
        },
        {
            "number": "1",
            "title": "1. The Government will advance the amount of the loan of Rs. ........................in ...................... instalments at the time and in the manner follows:-",
            "chapter": null,
            "content": "In the case of construction of a house.\n(a) on the execution of this Deed Rs. ..............................(Rupees ........................ only);\n(b) on the completion of the house to plinth level, Rs. ....................... (Rupees .......... only); and\n(c) on the completion of the house upto roof level, Rs. ..................... (Rupees .................. only).\nIn the case of improvement/repair of a house.\n(a) on the execution of this Deed Rs. ............................. (Rupees ..................... only);\n(b) on completion of one half of the work Rs. .................... (Rupees ............................ only).",
            "footnote": "",
            "is_definition": false,
            "sort_order": 10
        },
        {
            "number": "6",
            "title": "2. In consideration of the premises, the borrower convenants with the Government to repay to the Government the full amount of the said loan of Rs. .................................... together with interest thereof in 20 (twenty) annual equated instalments. The repayment of the loan in the manner aforesaid shall commence from the expiry of eighteen months from the date of the receipt by the borrower of the first instalment (as per clause 6 of the scheme) of the said loan provided always that in",
            "chapter": null,
            "content": "",
            "footnote": "",
            "is_definition": false,
            "sort_order": 11
        },
        {
            "number": "3",
            "title": "3. The borrower shall pay interest at the rate of - per annum provided always that if on the day of which the payment of interest ought to be made the borrower, having complied with his/her/their obligations hereunder other than those relating to the payment of the full amount of the said loan, shall pay interest to the Government on the said loan or part thereof remaining due and payable at the rate of - per annum, the Government shall accept such payment in satisfaction of payment of interest ",
            "chapter": null,
            "content": "",
            "footnote": "",
            "is_definition": false,
            "sort_order": 12
        },
        {
            "number": "4",
            "title": "4. If the borrower shall make default in punctual payment of the instalment either of the principal or interest or if the borrower shall become insolvent or if the borrower shall fail to observe or perform any of the terms, conditions and stipulations herein contained or in the scheme and on his part to be observed and performed, then and in any such case the whole of the principal amount of the loan or so much thereof as shall then remain due and unpaid shall become payable forthwith to the Gov",
            "chapter": null,
            "content": "",
            "footnote": "",
            "is_definition": false,
            "sort_order": 13
        },
        {
            "number": "5",
            "title": "5. In further pursuance of the said agreement and for the consideration aforesaid and to secure repayment of the said loan and interest as shall at any time or times be due to the Government under the terms of these presents the borrowers doth hereby grant, convey, transfer unto the Government all that piece or parcel of land or ground and buildings together with messuages, tenements or dwelling house hereafter to be erected thereon situate at ...................... and more particularly describ",
            "chapter": null,
            "content": "",
            "footnote": "",
            "is_definition": false,
            "sort_order": 14
        },
        {
            "number": "6",
            "title": "6. If there shall be any breach by the borrower of any of the convenants and stipulations herein contained and on his part to be observed and performed or if the borrower shall become insolvent or go into liquidation before the mortgage debt shall have been fully paid off or if the mortgage debt becomes payable to the Government forthwith hereunder then and in any of such cases it shall be lawful for the Government to sell the said premises or any part thereof either together or in parcels and e",
            "chapter": null,
            "content": "",
            "footnote": "",
            "is_definition": false,
            "sort_order": 15
        },
        {
            "number": "7",
            "title": "7. For the consideration aforesaid and as further security for the repayment of the aforesaid loan and for the performance of the convenants herein contained the borrower hereby hypothecate all the building materials and articles purchased by the borrower for the construction/improvement of the said house and any other building materials and articles which may hereafter be purchased by the borrower for the construction thereof TO THE INTENT that all such building materials and articles shall rem",
            "chapter": null,
            "content": "",
            "footnote": "",
            "is_definition": false,
            "sort_order": 16
        },
        {
            "number": "8",
            "title": "8. The borrower hereby covenants with the Government as follows:-",
            "chapter": null,
            "content": "(a) The borrower shall utilise the amount of the loan hereunder for the purpose of the construction of a house/improvement/repair of a house already existing on the said premises and for no other purpose.\n(b) That the borrower now hath in himself good right/full power and lawful authority to grant, convey transfer and assure the said premises unto the Government in the manner aforesaid.\n(c) That the borrower, shall out of his own resources, spend on the construction of the said house a minimum amount of Rs. ..................... (Rupees ..................... only) representing of the cost of the house erected/of the improvement/repair carried out on the house already existing thereon.\n(d) The borrower shall not, without the previous sanction of the Government, transfer the premises by way of sale, gift, mortgage or otherwise or any right, title or interest thereunder, till such time as whole amount of tile loan and interest remains unpaid.\n(e) The borrower shall maintain regular and complete account of expenses incurred and of the stock and materials purchased in connection with the construction/improvement of the house and furnish such information to the Government as may be required from time to time and allow any person or persons authorised by the Government to inspect such accounts.\n(f) The borrower shall permit any person or persons authorised by the Government to inspect the building under construction/improvement as also the building materials and stock.\n(g) The borrower shall complete the construction/improvement of the house before the end of 199\n(h) The borrower shall from time to time and at all time during the continuance of these presents keep the said mortgaged premises and every part thereof in a good and substantial state of repair and working order and shall pay all revenue, ground rent, rates, taxes and assessments present as well as future and all dues, duties and outgoing whatsoever payable in respect of the same immediately they shall become due and payable AND in case the borrower neglects to keep the said mortgaged premises or any part thereof in good and substantial repair order or to pay the revenue ground rent, rates, taxes and assessment dues, duties and outgoings as aforesaid, then and in any such case it shall not obligatory upon the Government to repair and keep in good and substantial repair and working order the said mortgaged premises or any part thereof and to pay any such revenue, ground rent, taxes and assessments, dues, duties and outgoing AND all moneys, costs, charges and expenses of such repair and the paying of such revenue, ground rent, rates, taxes and assessments, dues, duties and outgoings shall be a charge upon the said mortgaged premises jointly with all principal moneys and interests hereby secured as if they had formed a part thereof.",
            "footnote": "",
            "is_definition": false,
            "sort_order": 17
        },
        {
            "number": "10",
            "title": "10. And it is hereby agreed and declared that the Government shall have the fullest liberty without affecting the security herein to postpone for any time and from time to time any of the powers exercisable by it against the borrower either under these presents or otherwise and either enforce or forbear and of the terms and conditions herein contained.",
            "chapter": null,
            "content": "Schedule of the Property\n(1) .................\n(2) ................\n(1) ..............\n(2) ..............\nAnnexure\nAnnexure\nInstruction to the Block Development Officer in regard to implementation of the Scheme\nInstruction to the Block Development Officer in regard to implementation of the Scheme\n(b) The Block Development Officer should also make sure with reference, to the income of the applicant as also with references to any other loans taken or liabilities incurred by the applicant, that the loan asked for under the Scheme would be within the applicant's repaying capacity. While forwarding the applications to the Director of Panchayats or some other authority authorised in this behalf, the Block Development Officer should clearly record his findings and recommendations in this respect.\n(c) When two solvent sureties are accepted instead of mortgage bond the Block Development Officer should ensure that the concession is not misused and should ascertain about the facts indicated by the applicants.",
            "footnote": "",
            "is_definition": false,
            "sort_order": 18
        }
    ],
    "metadata": {
        "Act ID": "goa114",
        "Act Number": "Published vide Notification No. 24/2/97/Const. Rep/3109, dated 10-7-1997",
        "Enactment Date": "",
        "Act Year": "1997",
        "Short Title": "The Goa (Grant of loan to weaker sections of society for construction/improvement/repair of houses) Scheme, 1997",
        "Type": "STATE",
        "Location": "Goa"
    },
    "updated_at": "2026-09-29 21:55:19"
}