HOW TO APPLY
FOR HOUSING LOANS
For the benefit of those who do not know how to go about applying for housing assistance the following information is offered.
Application Forms: Applications should be made on the Special form provided. These can be obtained at any offices of the Department or from the Welfare Officer. Applicants should complete the form as fully as possible and if any doubt exists it would be wise to consult either a Departmental Officer or if one is not available, the Secretary of the Tribal Committee. It has been found that many applicants are unable to supply the name of their proposed site accurately, and in this respect it is suggested that they attach a letter to the form describing as accurately as possible the location of the land, the extent of their ownership, and through whom they derive their interest. Forms, when completed, should be forwarded to the Registrar of the nearest Maori Land Court.
Investigation: All applications are investigated by the District Maori Land Board and each applicant will be interviewed by a Welfare Officer and the Building Supervisor. The purpose of these interviews is to:
Inspect present living conditions.
Explain the terms and conditions of lending.
Choose a plan.
Inspect the proposed site.
Obtain information which may have been omitted on the application form.
Assist with lodging of Court applications in respect of clearing title to the site.
The applicant has the right to have his application placed before the Board of Maori Affairs. His financial circumstances alone will not be regarded as a bar to his obtaining a housing loan on suitable terms.
Once the applicant has been interviewed, details of employment, income and title to the site have to be checked by the Administration staff.
The Building Supervisor prepares schedules of material quantities, plans and specifications and estimates the cost of the work.
When the land question is cleared up and the District Maori Land Board’ is satisfied that the application is otherwise in order it prepares its recommendation and submits the case to Wellington for consideration by the Board of Maori Affairs.
After notification of approval is received by the Registrar the applicant is written to and asked to signify his acceptance of the loan conditions.
Once this is done the mortgage and assignment documents are prepared and sent to the applicant for signature and the priority committee sets the priority of the case for construction.
When the time for commencement draws near a check estimate of costs is made and if prices have increased the applicant is notified accordingly, and an additional loan is sought.
Materials are ordered and as soon as labour is available the house is started, bearing in mind, of course, the priority given by the Committee.
It has been found that applicants often want alterations made to their selected design once the house is started. In this respect it has been decided that no radical alteration will be permitted once materials have been ordered, as it creates a considerable amount of extra work for an already overtaxed Field Staff.