.Excellent idea offered on this article. there are many self employed groups who earn on a daily basis through their sale offers - such people could be helped with housing by a very friendly interest rate regime which could be payable on a daily basis basing their sales. Such a move will be a very help to the underprivileged class who are dependent on their daily income.

.PSU Banks don't obey National Rules or in that case RBI instructions. The CMD, ED, GM, AGM, Sr. Managers, Managers and Officers are needed to be replaced / or trained properly with respect to Law and Finance Management. Then only affordable housing is possible.

.the recent earthquake in Chile brings some facts as follows : the earthquake is of a very large magnitude as compared to the one felt in Haiti; Haiti suffered a huge loss whereas Chile has suffered much less. The fact remains, on the basis of a question, is it the earthquake or mankind responsible for human lives when earthquake occurs. When we compare, the losses at Chile and Haiti, human errors seem to take precedence. In Haiti, the construction of buildings and bridges are of very poor quality - there are reports that some pillars fallen are getting crushed under the grip of human hands which means hardly any cement is used or any building code of conduct followed. Even the Presidential Placace in Haiti is crush during the earthquake. On the other hand, though the magnitude of the earthquake is much much bigger in Chile, when compared to Haiti, human lives are not that big a number though the figure is inching towards a 800-1000 mark. this goes to prove that code of conduct rules are followed by builders community and inspection and checks have been carried out; building bye laws, rules and regulations are in place. However, they seem to be inadequate when matching with such earthquake on a big scale. Taking a cue from all these, Indian Government can do well to regulate the building community in the country and appoint specialists who could cover these earthquake prone areas and find out the cause of sabotage inccured to enable them to come out with better rules and regulations framed for being followed the building community enmassee so that there is minimal or no loss of human life whenever there is a big earthquake to follow. Japan is one country which is earthquake prone but has come out with great discovery enabling the building and structures to withstand pulls and forces at the time of earthquake - such practices msut be introduced in India on a massive scale by the building community - more so when there is a huge demand for housing and numerous builders are appointed-engaged to construct houses and buildings in the near future involving millions of investment.