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Ever heard of the term - "Co-operative Housing Society"?
India with its ever-growing population, now standing at 1.39 billion – does it seem like a thick pack of people, customs, and beliefs? For sure we have diversities within the populace. But then, how do we manage to live together in harmony? Talking of harmony, we are going to deal today with a very significant topic centred on community living – the vitality of co-operative housing societies in India.
Co-operative Housing Societies are democratically run enterprises with a collective sense of management. To emphasize, there is a shared notion of responsibility and understanding in such a type of working body. Also, researchers and surveys share that, housing societies provide with better quality space of living. Quoting Hellen Keller, “Alone we can do so little, together we can do so much.” The statement is well-fitted for a co-operative housing society.
Membership in housing societies is generally legally bound. This membership is sought by buying shares in housing co-operatives. As a matter of which, they get to have their respective dwellings, functioning inside an association of similar member housing. Also, in the long run, investing in co-operative housing societies is safer and more secure. The more the number of people, the lesser the expense!
Compared to independent residences, a co-operative housing society works with mutual conduct, hosting a number of selected members. The system is monitored and smoothly run by selected members of the authority who ensure proper working within the housing societies. The selection is basically carried out through open polls.
Objective of Co-operative Housing Societies in India
The housing co-operative societies in India offer support for its members regarding housing matters. Below are some of the major objectives of the co-operative housing societies in India:
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Co-operative housing societies support the members by offering them home loan services for both house construction and adding extra additional structure to the house.
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Co-operative housing societies help in the process of land acquisition for apartment development and offer them for the members.
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By promoting economic interests the co-operative housing societies encourage self-reliance among the members of society.
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By enabling an eco-economical living environment, the co-operative housing societies facilitate a healthy living atmosphere for the members.
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The co-operative housing societies also offer essential amenities, such as - water and electricity supply, and also offer regular maintenance services for the members.
Types of Co-operative Housing Societies
The co-operative housing society can be classified into the following, based on their ownership:
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House mortgage co-operative societies: The members build their own houses in this case with the help of money given to them by the co-operative housing society. This money is given generally in the form of credit.
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House building societies: Where the co-operatives themselves take it on to build the houses for the members. In the latter case, money is recovered by the members, mostly by the mode of loan payment.
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Tenant ownership and co-partnership housing societies: In the former, the land is held by the co-operative society, and the members can own these houses on lease. In the latter case, both the land and the building are held by society, and the houses are given to the members for rent, just like flat ownership.
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Characteristics Of Co-operative Housing Societies in India
Now that you know about the significance of co-operative housing societies and their types let’s brisk through some of the commonly acknowledged merits of them!
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Saving the pockets: As far as the members are concerned, the minimum down payment is a boon while they get a feasible deal in housing.
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Better facilities: With proper working management, there is a guarantee for the provision of better amenities and services in a co-operative housing society.
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Lesser the hassle: The registration process concerned with co-operative housing is generally remarked to be hassle-free.
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Legally bound: The working of the co-operative housing societies work according to a definite and distinct system and hence, are more transparent.
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Attentiveness to problems: When you live independently, and you are subjected to issues like trash removal or structural instability of essential elements in your house, you will have to figure it out yourself. But in the case of an RWA (Residential welfare association), there is a surety that there will be proper reception and necessary action to all of your problems.
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Well-defined code of conduct: Even when there is scope for cultural diversity and variance within a housing society, there can be a proper assurance of limiting disorderly behaviour and assurance of a proper code of conduct.
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Community belonging: The running of a residential association or co-operative housing society vouches for communal harmony and a sense of belonging together.
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Dispute resolving: In case there is an unfortunate incident of quarreling or dispute between two independent residents, the housing society will plunge in for arbitration and will help resolve the issue before it turns worse.
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Meriting investment: Investing a small amount in these co-operative housing societies is the best option and is widely accepted. Say, in case, even if you are not interested in having an occupancy in such a residential association, you can still earn monetary benefit by leasing out your property!
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Combined responsibilities: There is no burden on one’s own head alone as far as these residential welfare associations are concerned. Responsibilities are shared.
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Technology integration: A home buyer can always go for the more digital platform and modern technology commencing the communication regarding the maintenance and voting with the homeowner association.
The Rise of Housing Societies in India
The Indian housing scene has changed dramatically in recent decades, with housing societies emerging as the preferred residential option for a burgeoning population. This shift can be attributed to several factors:
The Allure of Community Living
Security: Housing societies promote resident safety by providing safe spaces. Gated communities serve as the first line of defense against unauthorized entry. Comprehensive CCTV surveillance systems monitor activity throughout the facility, adding an extra degree of security. Dedicated security staff stationed at both entry and exit points offer round-the-clock coverage, ensuring the safety of residents and their belongings.
Also Read: 5 Types of Home Security Systems
Social Interaction: Housing societies are more than just houses; they foster a strong sense of belonging. Shared places, such as parks, clubhouses, and swimming pools, promote neighborly interactions, friendships, and a sense of belonging. These communities frequently plan events and activities, allowing inhabitants to meet, share experiences, and establish long-term friendships, transforming living spaces into bustling social hubs.
Infrastructure: Well-planned housing societies often have greater infrastructure, distinguishing them from traditional residential areas. Residents benefit from a regular water supply, assuring access to this vital resource. Regular electrical supply, without frequent power outages, improves the overall living experience. Efficient waste management systems, which include adequate garbage disposal and recycling facilities, help to create a cleaner and healthier community environment.
The Future of Housing Societies
The trend towards housing societies is expected to continue and intensify in the next decade, driven by several factors:
Urbanization: India's rapidly expanding urban landscape is fueling an increase in demand for organized living areas. As millions of people move from rural to urban areas in quest of greater economic prospects, the need for well-planned, secure, and amenity-rich residential options in cities has grown. This demographic transition is driving the rapid expansion of housing societies, altering the country's urban landscape and culture.
Nuclear Families: The increasing predominance of nuclear families in India has had a considerable impact on housing preferences. Unlike extended families, modern homes favor smaller, self-sufficient living quarters. This transition has increased demand for individual apartments or villas within gated communities, which cater to the desire for privacy and autonomy while remaining part of a larger community.
Technology Integration: Technology is transforming home living. Smart homes with interconnected gadgets provide unrivaled convenience, security, and energy efficiency. These homes appeal to modern lifestyles, with automatic lighting and climate management, virtual assistants, and remote monitoring included. Furthermore, community management systems speed up resident contacts, facilitate maintenance requests, and foster a linked neighborhood experience, all of which improve the overall quality of life in housing societies.
Overall, housing societies are set to play a pivotal role in shaping the urban landscape of India in the coming years, offering a blend of comfort, security, and community living.
For example, even for the maintenance of your living space, you need not shoulder the problem all by yourself. As you will be paying regular maintenance charges, society will take care of the issue.
All of the above-stated advantages of living in a housing society overrule the comparatively outnumbered demerits like: The requirement of obtaining permission from concerned authorities of the residential association prior to house renovations, regular payment of annual fees for services availed, and un-veiled discussion of conflicts and disputes in open meetings.
We hope by now that all of our readers will be sufficiently aware of how co-operative housing societies work, and what is their significance and benefits. Now, one important question: How do you sign up for this?
Getting into a residential association or a co-operative housing society is not a mammoth task. Even if independent residents are planning to have a combined housing association, it is easy and doable. But for that, you might need to make yourselves aware of these two pointers:
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Take legal assistance and opt for legal guidance before taking any big step!
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Have an open conversation - This is the prime pointer of gravity. Prior to forming a community association, there should be a proper presentation of common goals and rules, succeeding in the formation of a body of authority.
Making a better place to live sounds fun, isn’t it? A community or residential association if organized and run well can make happen this dream. How? By communal harmony, a sense of understanding, and contributing towards the welfare of one another.
In today’s era where everybody is in this cat-and-mouse race to make ends meet and have a grander living, it’s very vital to address the meaning of “Quality of life”. Isn’t that so?
Well, the definition and perspective of life can be different for different people. However, we believe that having a peaceful living with all the necessary amenities fits the lot. And forming, investing, and living in a co-operative housing society might help you find that easier!
So that was “The need and importance of co-operative housing societies in India” for you! We hope you find the matter useful!
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