CONTENTS 0 GOVERNMENT OF KERALA TASK FORCE ON HOUSING 3 1 PREAMBLE 5 1.1 The Need for Policy 5 1.2 Setting 5 1.3 Integrated Habitat Development. 7 1.4 Housing Problem 7 1.5 Basic Services 8 1.6 Contemporary crisis 8 1.7 Evaluation of Housing Programmes 8 1.8 Policies and Programmes 9 1.9 Emergence of Sustainable Habitat. 10 1.10 Focus Areas 11 2 AIMS 12 3 ROLE OF GOVERNMENT AND OTHER AGENCIES 14 3.1 Central Government 14 3.2 Kerala State Government 15 3.3 LocalSelf Government Institutions-Municipalities and Panchayats. 16 3.4 Parastatals and Public agencies 17 3.5 Housing Finance Institutions (HFIs) 18 3.6 Private, Cooperative and Community sector agencies 18 3.7 Research, Standardisation and Technology Transfer organizations 19 4 SPECIFIC ACTION AREAS 19 4.1 Land 19 4.2 Finance 21 4.3 Legal and regulatory reforms 24 4.4 Technology support and its transfer 26 4.5 Infrastructure 28 4.6 Sustainabilityconcerns 29 4.7 Employment issues in the building sector 30 4.8 Slum improvement and up gradation 31 5 SPECIAL NEEDS OF HOUSING FOR ALL WORKING GROUPS 32 6 SPECIAL NEEDS OF SINGLE WORKING WOMEN, DISABLED AND SENIOR CITIZENS 33 6.1 Women and Housing 33 6.2 Physically challenged 33 6.3 Senior Citizens . 33 7 IT HABITAT 33 8 HABITAT TYPOLOGY AND HERITAGE CONSERVATION 34 9 HABITAT LITERACY 34 10 HOUSING DELIVERS SYSTEM 34 11 ACTION PLAN/FOLLOW UP 35 12 AFTERWORD 37 ANNEXURES I MATRIX ON ROLE OF GOVERNMENT/PUBLIC AGENCIES 38 II NUMBER OF FAMILIES WITH LAND & HOMELESS AND LANDLESS & HOMELESS IN THE STATE OF KERALA 39 III HOUSING FINANCIAL FLOWS FROM HFI/BANKS IN KERALA 40 IV INTEGRATED HOUSING FINANCING OPTIONS 42