Advance for Purchase or Construction of House (GBOCWWB) is a welfare scheme that helps registered construction workers in Goa get up to ₹50,000 as an advance to buy or build their own home. The money is given in advance and paid back later in easy instalments fixed by the Board.
Goa Building and Other Construction Workers Welfare Board runs this scheme under the Department of Labour and Employment, Goa. It is meant for workers who are already registered with the Board and who want a permanent home for their family. The application is done through an offline process, so workers can submit the form directly at the labour office.
Advance for Purchase or Construction of House - Introduction
Advance for Purchase or Construction of House (GBOCWWB) is a welfare scheme started by the Goa Building and Other Construction Workers Welfare Board under the Department of Labour and Employment, Goa. The scheme supports hardworking construction workers by giving financial support of up to ₹50,000 as an advance for the purchase or construction of a house.
This support is not a free grant. It is given as an advance that the worker repays later in equal instalments fixed by the Board. This way the worker gets quick money to build or buy a home without taking a big bank loan, which is often hard to get because of irregular income.
The main aim of the scheme is to improve the living conditions of construction workers and give them a safe and secure home for their family. It also helps workers build their own asset instead of staying in temporary arrangements.
Key Information
| Key Attribute | Details |
|---|---|
| Scheme Name | Advance for Purchase or Construction of House (GBOCWWB) |
| Level | State |
| Beneficiary | Individual |
| Region | Goa |
| Category | Housing and Shelter, Social welfare and Empowerment |
| Benefit Type | Financial Advance |
| Nodal Department | Labour and Employment Department |
| Application Mode | Offline |
Benefits
Under this scheme, a registered worker receives an advance of up to ₹50,000 to help build, buy or repair a home. The amount is paid back later in equal instalments fixed by the Board, which keeps the repayment easy for the worker.
The money can be used for buying a house, building a new one, or carrying out maintenance and repair work, depending on eligibility. Workers who find it hard to get a bank loan because of irregular income can get this institutional support instead.
Eligibility
To benefit from this scheme, a worker should meet the following conditions:
- The applicant must be a worker currently registered with the Goa Building and Other Construction Workers Welfare Board.
- The applicant should be between 18 and 60 years old.
- The applicant must have completed at least 90 days of service as a registered worker during the year.
- The applicant should have been a member of the Fund continuously for at least five years.
- The applicant needs to have at least 15 years of service remaining until superannuation.
Application Process
Applying for this scheme is simple and is done fully offline. Follow these steps carefully.
STEP 1 - Take a printout of the prescribed application form from the official website of the Department of Labour and Employment, Goa. Alternatively, visit the Office of the Commissioner, Labour and Employment, 2nd Floor, Sharma Shakti Bhavan, Patto Plaza, Panaji, Goa, and ask for a hard copy of the form.
STEP 2 - Fill in all the required fields in the application, including personal details, worker registration information and bank account details. Paste one passport-sized photograph and attach self-attested copies of all the required documents.
STEP 3 - Submit the completed application form along with all supporting documents to the Office of the Commissioner, Labour and Employment, Goa.
STEP 4 - Collect the receipt given by the authority. This receipt confirms your submission and can be used later to track the status of your application.
Documents
Keep the following documents ready while applying. These are needed for proper verification of the application.
- Worker Registration Card or Number, which acts as proof of registration with the Board.
- Proof of payment of first and last subscription, showing regular contribution to the Fund.
- Approved building plan and estimate for the construction work.
- 14-year encumbrance certificate to confirm there is no legal issue with the property.
- Location certificate and land tax receipt to confirm land ownership.
- Original documents for verification along with attested copies of ID card and passbook.
- Declaration regarding terminal benefits and an affidavit confirming that neither the applicant, spouse nor children own a house, for new construction.
- Title clearance certificate and No Objection Certificate for construction.
Note: The worker must submit a completion certificate to the Secretary of the Board within six months of receiving the advance.
References
Guidelines | Citizen Charter | Application Form
FAQ's
Who oversees the operations of the Goa Building and Other Construction Workers Welfare Board?
The Labour Commissioner of Goa acts as both the Member Secretary and the Chief Executive Officer of the Board.
What is the age limit for worker registration?
Workers must be aged between 18 and 60 years to register under the Act.
What is the minimum service requirement to qualify?
A worker must have completed at least 90 days of work in the relevant year to qualify for registration.
Can a worker register if they belong to another welfare fund?
No, a worker cannot register under the Building and Other Construction Workers Act if they are currently a member of another fund.
Are registration certificates renewable?
No, registration certificates issued under this Act are valid for the duration of the contract and are neither renewable nor transferable.
Who processes registration applications?
The Deputy Labour Commissioners for North and South districts serve as the designated registering officers.
Who acts as the First Appellate Authority for the Labour Department?
The Commissioner of Labour and Employment serves as the First Appellate Authority. They can be contacted at Shramshakti Bhavan, Patto Plaza, Panaji.