Workers'

Dwellings
("The Stare Advances Act of 1916. ")
Information for Intending Applicants

Please addreM a ll eorl'tllpoO
dt o4 to--
The Manager,
Sutte .>\dvanCE!'I CorPOra tlon
(Workers DwelllnRS Brnneb) ,
Box 690, O.P.O.,
Drlal1nnt ."
-
J..-s C,a!M)lrir. GovaNl'ln'll Sn.bane



I
I
f\Jational Library ot n!a ai.is-vnS815009-s 1-e


WORKERS' DWELLINGS
("The State Advances Act of 1916."I
f'Jnte llWdN-$$ ii.II Cf>!'tt4l>OO
oeoeo to--
The Mae-ager,
StCLte Ad"tlneui Carpor"&el on
(Wotkent Pw-eUlinp Brancb).
&x $90, O.P.0,,
Brlab1n1.
INFORMATION FOR INTENDING APPLICANTS.
Introduction .
Tbe business in conuection with Workers' Dwellings under the
provisions or the State Advanees Aet is manui:ed by tho State Advances
Corporation ('orkers' Dwellings Brnneh) , and ia nnder the administra-
tion of the for Worka.
'fhe object of the legislation is to priivide for t he graDting of loans
to enablo of limited income to ereot, under the Corpo1ation's
3\litablc liomes for themselves, with a comparatively small
contribution by them towards the proposition, with easy terms 0
repayment, and with a low rate of interest.
For peroons who are less favourably circumstanced a.ad who cannot
contribute the required deposit for a Worker's Dwelling, the Workers'
Homes Scheme ( lll\dei "2'/re l Vorkers' II 0111u has been pro-
vided by the Government. This scheme is dcolt with in a separate
pamphlet, copies of which may be obtained from the 'Vorkers' Dwellings
Office.
Loo.us under tl1e State Ad,anees Act for Worketll' Dwellings cannot
be grnnted fo1 the purchase of houses already bnllt, the business being
confined to the erection, under the supervision 0 the Corporation, of
new dwellings, u11d to the 1mbscqmmt improvement of such dwellings.
'l'he following rcqniremeuts are neoeS$ary to qualify a person to
apply f<>r a loan ($eC page 5 for further detailR) :-
(a) Ire must own a pieee of suitable re11idential land.
(b) He must not already own a dwellio&.
(o) His total income must not exceed 416 per annum.
(d) Me must undertake that the proposed dwelling when erected
will be used as a home for hi01$el and his family, aod for no
other purpose.
lt Octocr lt'1.4.
iel 1:411lo_1o-4,0oo. OctQ, r, 19%'.

WORKERS' DWELLINGS.
Lonll.8 may be granted up to 16s. in the of the fair estima.ted value
<if the security as explained on page 8 hereof.
The .Act provides that a loan for a Worker's Dwelling shall not i11
any case exceed 800. The actual n?asonable r'lquirements of ca.ch
applicant i.n respect of the number of his fa1Dily and dependants, finanei11l
circumstances, &c., are taken into account, nnd the amount of the loan
accordingly. Generally, a loan in of 600 will not
be approv_cd, unless under very. exceptional. clreumatllI!ecs and subject
to special conditions.
'!'he rate of on loa:ns 5 per cent. per annum.
Plans and specifications of dwellings are supplied in designs to suit
<ueh applicant's particular wishes (&ee page 7).
Tenders for the erootion of the proposed dwelling nre invited by
the Corporation after a loan has booo approved.
'fhe applicaDt is 1-equiTI!d to exeente, as security for the loan, a lir$t
mortgnge in favour of the CorporatioD over the laud on which the
dwelling is to be erected.
Loans are repayable in twenty years by monthly iwJtalments at tbe
rate of 1 as. 3d. for every 100 borrowed. 1'bl$ rate of instahne,nt cover$
interest ot 5 per cent. per annum on the maximum monthly balance
owing from time to time and redemption calculated to repay the loan in
full in the stated period (sot page 11).
'fhc borrower must pay costs of of securities, &.:.
($ee page 10).
The borrower mW1t also pay from his 01<'n resources 1tl! fire insurance
premiums, local authority rates and wateT rates, tu:ea, cost of repairs
and rcpablting, and other outgoings from time to time as Uiey become
payable.
The dwelling must be insured by the borrower agaiust fire for the
amount of the contract price, such insurance to be with the State
Insurance Office, lo$$, if any, payable to the Corporation as
mortgagee; the policy must be hande<l to the Corporation to be
until the Loan is repaid ..
When the loan has been repaid iu full, the mortgegc is discharged
and the released securities handed over to the borrower.
The aforegoing matters are referred to in greater detail in the
following pages.
L1brarv ot Ali :.tr nl;; ai;s-,.n5015009-:. 3-e

DWELLINGS.
Eligible
_.\n applieMt for a loan for the erection of a Worker's Dwelling
must comply with the follov:iag requin,mrnts :-
(a,) He must be ir. possession of the unencumbered title in his.
own name of a suitable piece of laud in a residential locality
on which t ho proposed dwelling is lo be erected.
(b) :He must not be already the owner of a dwelling-ho03e.
( c) He must not at the t ime of making the application be ii>
receipt oI a total income in exceJIS of 416 per annUIJL
( d) lle most u.ndertake to use the dwellinl,l.bouse when erected
as a home for himself and his family, and for no other
purpose.
Where a person is tile registered owner of a reiidence and has sold
the same on terms, he is not eligible to apply for a Worker's Dwelling-
until the title to such property has been transferred to the purchaser.
Wbere an applicant has owned a Worker's Dwelling, the-
question o.f his eligibility t.o apply again for a loan may be considered
on its med ts; bnt, circumstances existed which made it
necessary for him to dispose of his previous ''lorkcr's Dwelling, a
further npplication will not be entertained.
The income of :416 per nnnu1n referred to above is the gross income
from all 800reeB and without deductions. In east>S where applieants ar<'
in hnsiness, the an111111l protlt .from such business is as th
income of the llpplicnnt., uncl not the arurnal romn11eratiou drawn by th.-
applicant from the business. 'file combined incomes of husband and
wife a.re taken into consideration when deciding the eligibility of an
applicant. Jf such eo1nbiued income$ exceed 416 per annum, the-
npplication will not be cntertnincd.
The npplicaut mnst clearly undcl'$tand that the Worker's Dwelling
when erected must be used solely as a home for himself and his family,
and for 1w othtr purpose. I t tuust not bo used s, for e3ampte, a lodging-
ho11se, and no portion of the d,.elling mny be Jet. roust not be
earri<>d on upon tha preroisci;, e:tcept under special circum-
sta11ces, when tbc case will be considered on lts merits on the writteD-
reqnesi of the borrower.
From time to time, in accordance with particular circumstances as
to btrilding costs, number of applications on hand, &c., preferenee may
be given to applications in respect of less CMtly dwellings, or to-
applicants with lower incomes, &e.
Applications.
An application may be made for a loan to ennble the applicant to.
eicet a or, after erection under the Act, to enlarge or
improve such dwelling-house nnder the $Upervision of the Corporation_
Library ot Au-:.tral!a nla ai;s-vn5815009-s4-e

IY\VF:l'lLINOS.
Applications for advanees must be made to Ute Go1poration on the
prescribed form, and be by Hn I nspection 1''oo of 3. The
inst rument of title to the land offel"OO as security must also be
forwaTded. A l'OUgh floor plan of the ))ropose<] dwelling, drawing
attention to any 6peciol features, should be submitted, and in the ease
of applications from country towns, a local builder'$ estimate of the
cost of the dwelling is desirable.
The application m.ust be made in the name of the person whose name
.ippenr$ 011 the title to the land on it Is proposed to erect the
-dwelling.
"\V11ero the application is made by a husband 01 a wife, sucl1 applica-
tioo must be accompanied by a declaration on the prc.5eribcd form by
the wifo or the husband, as the case may be.
An application may be accepted from a sinsle person who contem-
plates marriage, provide& the mal"riage is to take place by the time the
dwelling is completed, or within a reasonable time thereafter. Tbe
intended wife or husband mn&t sign the declaration on the preteribed
form .
.An may alSQ be aecepted from a single person who is
the main support of his or her parents nnd their family, provided the
olwelling is being erected as a home for those per!lons and for no other
purpose, and provided none of them already OWTIS n dwelling,
Loans may be grnnted on the joint application of eligible persons
(such as husband and wife) who are the j oint-ovmcre of the land on
which it is proposed to erect tho d1vclling .
from persons in country centres should be lodged with
the local Clerk of Petty Sessions, who will assist npplicauts to C()roplete
the oecCS$ary forms, &c.
Applications from persons in tile metropolitan arcn should be made
personnlly nt the \Yorkers' Dwellings Ilrancb of the State .Advances
Corporation, Trensury Buildings, Drisbonc.
Land Accepted as Security.
Lonn3 may bo granted to eligible persons to erect Workers' Dwellings
()ll tho followi ng clnsscs of land:-
(1) Freehold.
(2) Perpetual Town LeAAcs and Subu1ban
under the Land Aets, Miners' Hom8.'ltcad Leases or Residence
.Area& held under the .Mining Act, Town Leases
held under the Clermont Flood Relief .Act, Pcrpet11al Leases
gronted nuder the Sugar 'Vorks .Act, and Perpetual Leases
under the Sugar Workers ' Perpetual J,,cnsc Selection$ Aet.
L1brarv ot nl;; ai;s-,.n5015009--:.5-e

WOHKBHS' D'VEI1l1TNOS.
7
'f be land must be oonsidered by the Corporation to he a suit3ble
Rite for the erection of a Worker's Dwelliug, and mu.t be in u
reside11tlol will be required thut the JJO<'al Aulh<irit)
'has approved of the lane\ as a nitnhlc $it" ( 01 n resiilence.
Loons Bl'C by a Jirst OYCI" the land on which t he
dwolling is to be erected. All i111provement1;-uamcly, house (includini:
ta11ks, itovc, bath, &c.}, outbuil<liogs, and the like-arc subject to
tho mol'tgoge, and must not l'<'mnvNI (Ir inkrferccl with 1\'it.llnut tli"
consent of the Corporation.
Area and Class of Building Sites .
.Although the State ,\c,1; dnc$ nnt specify au area fo1
for the creetion of "\Vorkers' Dwellings, of 11bout :l2 pc,rehcs
considered the mo.st snitablc, but building sitc8 of 11 somewhat smalli:r
or llll"ger area may be accepted in speeinl cireunuitan<lt'!!. Where an
:npplicant deth"l."l 01 to derive big income from tb.c p1'0duce of
the land offered as security, the application ls not
ro1 o Dwell ing, ttnd be clirccte<l to tlw Agri.,11lt.111"l
"Bnnk.
Plans and Specifications.
Plnns and 8pecifications must be prepared by the Corporation. 'fhei;e
a.re supplied in to. Ru it each particula1 wishc$.
l'lons of various designs may bP. at the Offices of the Corpo1atio11.
Any one of t hese plans, ll'ifh or without m1>arne11tion, may be uvail-
able to an e.pplicant, or on the other hRuu a spccinl (]csign will bP.
prepared if 11eecss.1ry. \rill lio well ndviwd, however, to
Rubmit a r ough sketch of the house prnp0$00, and thus in the selec-
tion of a plan to meet their reqnirements.
Jf an nvnilable plnu and sp1>eiflMtion of a Worker's Dl\elliui:
;ilrt'<ly erected ht by th<' npplicou1 t, tJ1e ft...- will lie"" f ollows:-
a. d.
(i .) If such plan ancl nsed without
alteration 1 1 0
{ii.} If such plan ond specification be used with altera-
t ions or additions, such fee as the Cor porntion
()Otlsiders suffici<'nt. therefor, but not exceeding th"
scale of fees fo1 n new plnn and speo.iftcatiou, ns
meutionctl on the following page.
Illustrations of a n1nnbcr of typical Workers' Dwellings alrendy
b11ilt will be found at the end of this pamphlet. These design are known
by indicating numbers, such as " 10651," or "W.If. 606, " or as the e;ise
may be, and the indicating nnmlier of a particular design being r eferred
t o should be quoted in any rorrespon1lence or al)plicotion. The
L1brarv ot nl;; ai;s-,.n5015009-:.6-e

"\VORKERS' DWELLINGS.
for the use of a plan and specification nf one of these designs will
1 l s., providtd uo alterstion therein required. The npprorimate
..stimate of the cost of these designs is shown under each illustration.
Jf it is necelillary to prepare a special plan to meet the wishes of 8l?
applicant, the following scale of to be based on the Corporation's
,.,.tininted co8t of the dvdling, will apply:- s. d.
Dwelling np to 200 1 1 0
Dwelling ovei 200 np to .;)50 . . . . 2 2 0
Dwelling .. 350 ,. 500 . . 3 3 0
Dwelling ,. 500 600 . . 5 5 O
DwcUing ,, 600 .. 701\ . . 6 6 0
Dwelling ,, 700 ,, BOO 7 7 0
and a further 1 ls. for each additional 100 or purt thereof.
Speeilieations do not include a stove; this m113t be supplied by
the applicant at his own expense, Specifications ntay, if desired, include
bath, tank, fencing, sewel'age, water scrvii:e, and fr"" or elect ric light
crvicc (not including shades) .
. .
Tenders.
Tenders fov the building and other specified improvements are-
invited by tlrn Corporation, and when received T>rticulai:s of $lime are
furnished to the appliellnt for his consideratiou nnd deeiaion. If a1>
applicant is himself an efficient builder, he may, if so desire, tcndm-
for the Preetfon of his own clwi>llinfl'.
Erection of Building.
On of a '.!'ender, the applicnnt is required to int<>
a Building Agreemfnt with the seleetP.d builder; sueh Building Agree.
mr.nt iB prepared by t he Corporation.
The building must be erected Ullder the nupervision of l nspccto..,.
by the Corporation. InsWmeuts 0 the loan a, if requested,
paid by the C-0rporation direct to the contrnotor a.s the work proceeds.
Interest on instalments, if s.ny, will be charged to Ute applicant.
Occupation of the dwellhig ill not allowed until the building ha"
been flnall y passed us satisfactory by the Corporation's Inspector;
11nder special circumstances occupation may be 11Uowed earlier, providea
t.he COlltractor eignifie in writing to the Corpo"ration his consent thcret.o.
Amount of Advance.
mnst not the rate of 16s. in .t: (four-fifths of thc-
ecurity) on t he Co1poration 's fair cstimatrcl security vttlue of-
(1) The land on. which the d\vc!Hng is to be erected;
(2) The applicant's share of f encing (ereeted, or to be erected!
with portioll of the advance) ; and
(3) 'J'be proposed dwelling.
L1brarv ot Ali :.tr nl;; ai;s.,.n5015009-:: 7-e

DWELLINGS.
9
Boundary fences on I.he land olftred a.$ seeurity are considered for
security purposes at not more than the reasooable valuation of the
applicant's shore therein.
Provided the $CCUrity nd the proposition geue1ally a.re
deemed satisfactory, a loan rnay be granted towards the
c0$t of a dwelling; of such an amonnt, within the abovementioned limit
of 16s. in the , os in nil the circuin.qtances is couaidered to be consistent
with the nJJ.ture or the security and with U1e financial position and
reasonable requirements of the applicant. 'l'he flnal amount of the loan,
however, i$ determined on receipt of tenders.
Generally, a loan exceeding 600 will not be entertained, unless
under special circumstances and subject to special conditions. There is,
however, no rest1iction placed by the Corporation upon the
cost up to which a proposed Worker's Dwelling may be provided
that the i$ prepared to contribute ill ca9h SllY balance over
rho approved loan.
In an cases the amount of the 1011.n is based on the lowest tender.
If such tender be less tb.,n the previous estimate of the CorpoTation, the
loan provisionally grunted is correspondingly 1eduecd. For example:
(f a loan of 500 be provisionally apprpvcd for a dwelling estimated to
cost 1i00-thc applicant thus contributing .L.1.00-aud the lowest tender
be only :580, but the aeeeptP.d tender preferred by the applicant be
590, the final amount of the lon11 is redneed to 480. If the tender
by the npplicant be in cxcl'Ss of tho CJJtimated cost, the fnll
111uo11nt over nnd above thl' loan approved ia pay11ble by the applicant in
eash. The applicant is not bound to accept the lowllllt tender, but the
monnt of the loan is ah.,ays based on .such
Cash Deposit.
The nec=ry easll contribution requi rcJ to be deJl()Jlited by an
applicimt, in addi tion to the land stil>mitted A 1111rt is
by the following typical :-

Corporation's value of land . . 50
T,owest tender for dwelling (not
ing Corporotion 's estimate) . . 500
Value of f.r.ncing alre.ady oroctro . . 20
-

100
500
Nil

120
600
15

150
600
Nil
Total S<>cnrity 670 600 735 750
-
M11xim11m lonn p10,ided b)' Act (four-
tlfths of tolAl security) 456
588
600
Minimum c.1$1\ deposit required . . 20 12
Nil
- .
L1brarv ot nl;; ai;s-,.n5015009-:.8-e

JO
. This cash deposit llltL'<t be )>11i<I hy the itpplicant before be sign.
thr. Building .Agl'e<'Jll<'llt for the Cl'Cf'.finn of the dwelling.
!'lotwithstanding the fon>going, llPPlicnuts should understand that
<'ll\:h application is "ith on its particulnr 1ncrits, aod accordingly
the <:a.'h deposit rc11uiic<1 in any \>articulnr case may, under certain
irm,m>tnnCP.3, be grN1teJ the xmonnt inclicatcd above.
Fees Required.
Tho furtlwr """h nnm1111t to be paid l1y sn applicnnt is as
nntlcT:-
........... , ..
200 .1(,0 000
- . .,...-----,-- ----
uuo I 7CJO

..
--
-
-
-
-
,....
.
!
.

d


d.

..
d.

dJ,
..
d
..
d.
I
Tn1pection Yeo
-.
. .
3 0 0
3 0 oa
0
oia
0
0 3 0 0 s 0 0
!
o!a OiG
i>lan Foe(if plAn t"Cll') ljrcdJf 1
1
012
2
0 ' 3
j
G
6
0
.
'
0
' I
HegiA,...ti<>n <>l 1
0 O I
11
0 l 1
0
0 I l
0
0 I
0 0 I
<)
0
'
'
llui!ding :fee (Av.,..go)
..
I 0
0; l
0
0 I
0 0 . I
0 0 I 0
(/
I
0
0
Tot Al 8 I
o: 7
2 O,S
3 0 .10

411 G '
- 0
.. . .

I
I
j
.
Of the .foregoing nmounts tire Jn$pi;ction l!'cc und Pl.au Fee mt<st be
paid when lodging the application, anc11hc other mnounts as ref{ui rcd
and pt!or to tbe signing of the Bnilding A11recment. The Building Fee,
whicll ia PYftble to the local nothority, ''arica f rom 5s. upwards, accord-
ing to tbc by-lnws. of the particular local in whose area the
hu il ding is to be
ThcHc fees gellerally constitute the lilcdy to be
incnrrcd for ai;iy one application the full pcriocl of the loon.
Refund of Fees.
In tho event of an application hcing lcclined by the Co1p0rution
after the inspection and ''nlnation of tl1e lnucl oft'crcd ns security have
hoon made, hnlf the fee poid will he to the applicant
SIS well as the whole of the plan fee paitl 1n0Yidccl the plan and
tion hnve xiot been p1epared.
If the Application be withdrawn bofore the Jnn<l offered as security
Ileen 11.ll fee. paid may be rcf11ndcd.
L1brarv ot Ali :.tr nl;; ai;s.,.n5015009- :.9-e

WORKERS' D\VELLINGS.
ll
If t he npplicaliou be wilhdra1ru nftct an advaocc hu been approved
no -.efund of fees will made, except in ea!l(!S 1rhcrc the plan and
,i;pecillcatio11 have not been prepared whn the p).\n fro will be refundoo.
Shou!cl, however, the application bo renewed within a reasonable time
'in TC$pect of the same picee of land, and in cases where no plnn. fee
b ns been refunded and the same pfan is it will he iwee11tNl
wi thout pllJlment of fnl"thcr fees.
Security Documents.
'flio amount to be n<11aneed i'I secured by u fit-st motguge O''cr the
lnnd and iwp.rovements thereon.
'l'hc applicant must pay the cost of r egiatr11tiun of sceurities--
:mainly eonsi$ting of the fee payable to the Real Property Office for
of th<i mortgage-generally 1, l!S shown nn thP. preceding
1>ag.1 11 n1ler the hcndin)!: " Pees Required."
Repayment of Loan.
Loan3 nrc repayable over a period of t'vcnty ye:1rs by monthly
instnlmen1$ of 13s. 3d. fnr every 100 This rate of instalment
eovuT$ interest at 5 per ecnt. per annum, nn<l also r.alcnlated
10 repay the Iull Joan in th<> Rtatro.
I<:nch boriowcr i$ with a pass-book in which nrc entered
frorn time to tin1e the 1epaymcnts ma.<l e by l1im, euo.b eutrirs ncting as
Tcccipts for the repayment.<;.
Tho follo"'ing the p11,able 0 11 loans of
various amounts,..___

-
.
J\ :mou.n\ Borrowed.

.3$()
tCOJ .JOO
i600

600
.
.
!
-
d.
d.

d.


ti.
. d.
-
d. , - <I.
!) ! .,
l
!ttonth ly A'f'.l ytnent l 10
,_
fl 6 2 1:1
() 2 ) !)
6 3 3 13
0 !3 19
6
.EquivltmC. to a.
0
!I
2lo JO 9
0 l2
3 0 13
0 0 15
310 tG 10
0 lS 4
weekly PY
I
mont <tf
M:ontli.ly Instalment-When and Where Payable.
Tho monthly repayment instalment is pHynble in advance on the
d11y of each month fer that month, 11nd 1nny be paid at any tim.e
<luring that montl1 without nttracting the j><'nnlty for lnte payment
-refcared to on the net page.
J;;.t1onal L1brarv ot All :.tr nl'3 n531 5009-:. 1 0-e

12
V.'OHKERS' D\VELLINGS.
l:lhould it so happi>n thnt a. borrower is not in possession of his
pass-book, payment mity neverthelesi be made and n recc.ipt thettfor
obtaind. Such payment will subsequ ently be in the pas;-book
in for the relntivP receipt.
In$talmcnts may be paid at the \Vorke1-s' Dwellings Office, T.reasury
Buildings, or may be lodged iu any bral\ch of the Common-
Bank for to the Workers' Dwellings Office. In centres
there is no brnneh of the Commonwealth Bank, payments may
be ma<lo to Ute Jocnl Savings Bank Agency of tho Commonwealth Bank
(gcncrully sit1111ted at the Post Office) .
'
Payments in Excess of Required Monthly Instalment.
Every borrower is entitled to pay off tbe bale.nee of the Joan at any
time, or he may pay amounts either regulady in addition to his .
monthly iW>lalmcnt or in Jump sums, a ho tlijnks tlt. .As interest is
cl1nrgcablc on the mmmum m<>ntbly balnnce of his account, he thereby
obtains tb.e beuellt of a Nduood chargo for intcr<:St, in addition to securing
his property free of at an earlier date. Notwithstanding pay-
n1cnt of sums in excess of the required monthly instalment>!, the rate of
monthly instalment will not be revised as the borrower's account
incrtMes or decreases in credit from time to t imo. It may be argued by
boirowcrs tbat tbey would be unwise to make nny CXcCs:! payments :u;.
they would bavc to pay the same monthly iuatalment in the future.
This is not so; Ma matter of fact, while a borrower 's account is in eredit
11y l'c&sQn of previous exeess payment;,, he woul<l be quite in order in not
making further 11ayment nt all uutil credit balanee had beeome
exhausted by being app<oprii>tcd to t.be monthly lnstulmc11t as it became
duo eaeh roouth, Thus, by payhog more thnn 1.he r equir<>d monthly
instalments, borrowers are, in nddition to saving charges, es!Ab-
lishing a reserve i uud for me at ;1ny time when they may be out of
employment, or unable for any other reruron t o p11y the monthly instal-
ment. Tn the !!Vent of the acenn111lntcd balance not being requi?ed
for tbnt p\ll"J)O$C, it will have the of paying off the loan all the
sooner, ll.K stated.
Penalty for Late Payment or Instalment.
paid after the cxpil'ntion of the 1nonth in 'vhich the)
were pnyable attract penalty at the rate of 10 per cent. per annum-
that Is, 2<l. in the 1 per month.
Fire Insurance.
'fbe dwelling and al! outbuildings must be insured with the State
Governm.c11t l nsurauce Office in the name of the borrower ru; owner and
L1brarv ot nl'3

WORKERS' D'VELL1NGS.
tl10 State Corporation os mortgAgec for their respective rights
"nd interests, loss, if 8DY
1
paya.ble to the State Advances Corpo..atiQ11
mortgagee, for a. sum equal to the contract price for the buildings.
The premiu.rn.s for such insurance and all renewals thereof must be
pnid promptly by the borrower, either. (1) direct lo the Commissioner,
Sta.te Government Insurance Office, Brisbuno; (2) t.o the Cornmissioner'a
local representative; or (:l) to tlto Workers' Dwelling$ Office or Common.
wealth Bank branch in the some manner as tbc monthly instnlment, All
l'<!newal premium recci plA n1ust he iol'wnrclcd to the Corporation.
Repainting.
Do1rowe1'S uJJdertake to repaint to tbe sutisfaetion o! the
Corporation and at their own e:rpenso the dwellings, outbuildings, &e.,
in every fifth year during the continuance of the lOIW.
Notwithstanding i.be foregoing, if in view of their condition thP
bltildings require painting or ojJing earlier than the tinies stated, the
borrower must be pNpnm to have the same c4rried out when so directed
by the Corporation.
Payment of Bates and Taxes.
rhe borrower must promptly PllY all local authority rates and water
ates, and othor rates and taxes, and forward the receipts to the
-Corporation for inspection.
Repairs.
Tbe borrower must effeet al! repain to t he dwelling, outbuildings,
fences, &e., and keep the improvements in good t4lnautable repair at his
-own expense and 'to the satisfaction of the Corporal.ion.
Sa.I e of the Dwelling.
Intending applicants, tltc nnt11re of whose employrnei;it ma.y suhjcct
t.hem lo a transfer to another town, need not heiitute on that accounl
to mnl1e applioatlon for a loan. Jf for nny satisfactory l'l?ason the holder
.of n Worker's Dwelling wishes to hiA intP.rtst nnd hi3 tit!<> to
the l1t:11d to another eligible imd su\tnbt(l person, he will be permitted
to do so under conditions. For instance, portion of the
proceeds may be required to go towards reducing the balance of the
loan. In such cil'Cumstanees the borrower wonld still get the ber..efit t)f
his selling prier.. Each ease is with ou Jts merits, and special
consideration given where circumstances cxi!lt. If the unpald
bnlanco of the Coi-poration 's loan is being met in cash the owner is at
liberty to make whatever :irrangctnents he prefers ns to the sale o! the
.dwelling and the laud.
J;;.t1onal L1brarv ot All :.tr nl'3 n531 5009-:. 1 :::-e

14 \VORK.ERS' DWEI,LINGS.
Letting the Dwelling.
Shonld the borrower, through illness or the to seek
tcn1porary employ1J1ent in another town, or for some other satisfaetory-
ren.son, wish to temporari ly let his dwelling to another suitable person,.
he may be porn1itted to do for a limited time, provided he first obt.ainfi
the Corpol'alion's consent thereto. In such cases it will be the generai
rule, subject to relaxation under spceinl circ11mi;ta11ccs, to require th1>
rent agreed npon between the borrower nnd the new tenant to be paid
to the Corponition for c1cditing to the borrowcr'R account towards.
r educing his loan
Release of Mortgage.
WhPD the loan has been repaid in full the 1uorli;age will b<!-
discharged, :w.d the 1elcased i;ecuritit11-11atndy, iusuranec policy,
mortgage, and relative title to the laud, will be baud"ed over to tbe-
borrower, or to any other person duly autbori$cd in >Vriting by the
borrower to receive same. The b<irrowe1 then have the discha rge of
the mortgage iecorded on the title of the lanu by lodging the tit le and.
the rcfoawd mortgage at the Real Property Office (In the case of free-
holds) and at the Department of Public r,ands (in the case of Crown
lcascholda) .
Preliminary inquiries n1ay be made at the Office of any
Clerk of Petty Sessions throughout the State.
Forms of application and all information may be obtained
from-
.
The Mana.ger, State Advances Corporation,
Box: 690, G.P.O., Brisbane.
A. R. S1ifITH, :Managei::.
L1brarv ot nl'3

HINTS TO INTENDING APPLICANTS.
As it is the of 1he Corporation to 11ssist ;1pplieants by provid
ing a maximum of 001nfort and eonvenienec in Uteir homes <1()n!<istent
with their financial circ11mstanoell, the followi.ni; Auggcstions are
oft'ercd :-
When aboul to set out lhe plan or yoor home, carefully eousidl!r
the site in it relation to the <lwelling proposed lo be erected.
lf possihlc place the $lecping verandah on lhc enstcrn llidc of the
building and thus i;ain the benefit of the morning
Avoid a common 1>n1etfoc of wrongly plnrming the position of th"
bat.h1oom nn.d thus b!ocl<ing the cool evening lll'ecze. from your slcc11ing
YcrnndRh.
Plon the kitchen nway from the we$tern si1k of tbe lmil1li11i; if
nt nll
Ar1auge the position of tho front and bnck steps (back st.cps
pa1fi enlarly) &O as to eo6nre tl1e ka6t possible nurnber of tel)$.
Consider the position for yo11r buildings on tile site in
relation to adjoining buildings, silt.I t ry to e.vnid interfering \\ith tl1e
privacy of rooms .1n<l which \vonlcl oceur through badlr
placed window&, nearness ot building tu insufficient height of
&c.
Consider the proposed a1icl tl1eir when planni11g
the aimensions of rooms.
J;;.t1onal L1brarv ot All :.tr nl'3 n531 5009-:. 14-e

V.'ORKERS' D\VELLINGS.
APPROXIMATE ESTIMATE OF COST.
1'he npproximnte estimate of cost shown with each illushation on
the foUowi'll'J pages applies to BrisbaQe Di.strict; allowance must be made
for any variation in costs in other districts. Esch estimate provides for
I Ile undermentioned items, and in cai;e some of such items are not desired
l-0 be included in 3 proposed hnuse the approximnt.c ''alue of cub is
$howu, so that the applicant may make allownuco for i;amp,
'
...
-- ...... ..,.......... .
' --.. -------.... ' -
. Iten1.
Hatt.eniug bot.ween all
round hoi.u>o.
\'\' ater Service '. :
J.:m1uullcd llatl1
J:11a11wlled V.'ash
Co1t<'t'11A' or fron \V:c.<h Tubs ..
.. ,
. ..... _ ,.
12 to 20, according to dimensions.
8.
10 10s., including water eonne.:tions.
:4 105., inh1dlng water
.5, including wuter connections.
9 to 12 (1. 5s. per point ) .
._, __ ...,.,. . . . ----
NOTE.-Fcncing, Dranagl', and Gas Ser.;<'C arc uot includoo in any
of the estimates of cost aecompauyini; illru;trations. These items may
he estimai.ed follow!!:-
. '
Front Fencing (say, 66 feet) , 16.
Di,1ding Fencing (say, 165 feet.), .14.
Draiuage, 10 to 14.
r.ns Service, for lighting and stove, i t.o 1() (.tt per point):
J;;.t1onal L1brar v ot All :.tr nl'3 n531 5009-:. 15-e

\\.ORK1<; H::;. D\\"ELLll"GS.
17
10651-320 to 340 (BRISBANE, 1925).
t::! '
ato . t1v1 oa..0011 .
12 z:
Vl"-AHOA Wll>t
Librar y ot nl;!j

18 \YORKERS' D\'i'ELLINGS.
-
11880-425 to 450 (BRISBANE, 1925)



O! $1 "
Lit '-.40

F-!1-----,:=I' ''' u: 71 11 O!
ae o . t-oo
.,, ....... ,,. , ......
L1brar v ot nl'3

19
-
12171-450 to .C475 (BRISBANE, 1925).
f ll O l.OO.,
[1Yl l O l. OOM
I'' 0'2
1
t 1?' DI
, ..... fil l
I to
l' Ol...<.11
Librar y ot nl;!j

20
'VOHKY.:RS' D\VELT,I NGS.
11802-495 to 520 (BRISBANE, 1925).
IC.l t( ll
I ID "-POii
14' 0!1 roto.
110 LOOll
14 ! O! 12! .,
L VI Ma l OO
14 o
14! t' 14
1
. 0
1
W'lfl
Librar y ot nl;!j

\\'ORKERS' D\\'ELI,I:\GS.
21
11889-525 to 550 1925).
&tD ,.,_oo u
t ,,.,,_., 1s:oh 14

22 WORJCERS' D\VELLINGS:
12022-545 to 570 (BRISBANE, 1925) .
.:.. 1f(lfl .. -__ ,,__ ____
Q! O!.o. ll!O!
11---- ----1
JfO ._OC.t
l1YI Jl 6 l. 00 11. 1
.. h------1
''' .-..0011.
12 o ~ 11: o: r
., ....... , ........ .

\\'ORKERS' D\VELLINOS.
23
11886-550 to 580 (BRISBANl!l. 1925) .
. ,:. t;.. ...
a ... t l.l(,IAIJ 1,,a ..Ut\. li. tl (1t l
, ..
1:2'' ' II !
1 1 O LtOil
~ - -- ., ..
; :
. ;. . ~
. . . .
ltO l.tfJI.
... .......

\VOllJCERS' DWELLTXGS.
W.H. 487- 560 to 590 (f!RISBANE. 1925) .
.
) l l tl C ll...ts
I
1s 1.q-o.
r t .
14' O'. \l"O'
-! "' ..
, ... ( .
, . l

25

_. -
1lffi II/ i I! / 1, ::: J I I /I 11 I I/ j 11111111/111 ill liii iiiiillll . llllllllllll!lllli 11 1 ii
I ! Ii I I I ' I I . . Ii
.
W.H. 606-570 to 600 (BRISBANE, 1925).
.

.,. "
It
.
"'-00"'-
. -
...

:
, ..



ll.'0' C''O!
,,
._ $ I
-
.
'


... '- ..
... . r

26 \\IORKERS' DWELLINGS.
. 11808-590 to 620 1026).
'-.f t'" ""- ' 'l .. :p
Cii S . f 1: ht ...

- ..
@
.' ?
- , r
-== ;:..-..
14'1'1'1'! Jo
J;;.t1onal L1brar v ot All :.tr nl'3 n531 5009- :.:'5-e

\VORKERS' DWELJ,Jl'\GS.
27

rn1
. . . ..,
, ,,, , IT"1

rw .. :i

11854- 590 to 620 (BRISBANE, 1926).
J I l l tC. t..00
13 1.b ' ro
-:ri. '
l lV 11 6
17' 6
1
" , .... , ....
l I Oft..00\1


28
'VORKERS' DWELLINGS.
11806-600 I<> fG&O (BRISIJAl\E, 1926)
... ......
.
fl! Q' .,.
e. d'
1--_..:>t . ,..__ ,_,,,
-

.
.
,
.
.. - 10
.




l lJ...t1 11:)t,f(,t. J
,,.

... 4 ..

\VOHKRRS'
,
1190()-600 to 630 (BRISBANE, 1925).
"""'' ' ' '
L t
14
1
'
M
I
t4: .. 14'

14
1
lJ' ...


30
\\'ORKF:RS' D"' ELLINOS.
11977-605 to 640 <BRISBANE, 1925).
,., .... 14 .J' 10 ' J'
IUO f hfll
ll' , . ,.

4 ' I :'
t4' 14 ,.
'

,




J
J;;.t1onal L1brar v ot All :.tr nl'3 n531 5009- :.29-e

D\VELLINGS.
11947-605 to .640 (DRISBANEl, 1925) .
.. ...
..

' Io .__ 0 0

.. .........
l t 'f l l O t..
,... .. . . ...
. , ...... . . ,
1 t' I 0 I '
... . ,.
31
J;;.t1onal L1brar v ot All :.tr nl'3 n531 5009-:. 30-e

\YORKERS' D\VELLil\OS.
11747-615 to 650 (BRISBANE, 1925).
u., ... ._ ....
.. u ......... .. .. .
' ..


..
.


~ .
, .
'.
"
........... , ....
. "
. '"

.. ...
.

, .

,

'
I .._' ._

.

' t

WORKERS' DWELLINGS.
W.H. 25!>-615 to 650 (BRISBANE, 1925)
. .....
1'.-llCll
z ,.
;
.
..

,
.
l I ., I I 6
.... <. '.
,.. . ..
33

\VORKERS' D\VELLil\GS.
10971-615 to 650 (BRISBANE:, 1925) .
l IYI It LOO jj'rll.it l A'
II' IN Ir t"-'
,, ... .......... .





J


WORKERS' DWELLING$.
11697-630 to 660 (BRISBANE, 1926).
-
" ft
0 ..
!
. --
" ,
J ;
- ;
-' .
# H'
J I D f...00 11.
. -
. -
. .

J -
-.

.. , .
12'
35

:lG DWELLINGS.
11771-630 to 665 (BRISBANE, 1926) .
-


..



J
-
. .. ...
.. . . . ... ..
J
lt l L'I '
6' .)'
.. . .. , .... ,.
,, .. .. .. .. , .... ,.
t .... t I
.... i 4' '

WORKERS' DWELLINGS.
37
11611- 6(5 to 680 (DRISBAl(ll:, 1926) .
.... .. ,. , , . t . ......

..
.....
I I # ot. '-
.

..


.
.
.


.
t I t ' t..O
-

'
,
'
,,. . ,,.
, t
l ..... .
ti
J;;.t1onal L1brar v ot All :.tr nl'3 n531 5009-:. 36-e

38
'.\'ORKERS' DWELJ,JNGS.
12106-655 to 690 (BRISBANE, 1926).
I .
llt. "-00
M .)' f4' 11
.... .>! ... f'
.......
....
, .. ,,



>



.

,

I ' I -':
L1brar v ot nl'3

"'ORKERS' D\VELLlNGS.
12343-J:GG5 to 700 (BRISBANE, 1925).
I l l ..........
J4 ' t I)>'
I.\ II
, ._ ( t
... 4' "l
In the eonatrucllon of the building Illustrated aboTe, this etandardlsed
ground plan was reversed to suit tl1e aspect of the particular slte.
39

40 V.'ORKERS' D\VELLTNGS.
12009-690 to 725 (BRISBAN!;, 1025) .
L ' '
~ ' l. ..
~ ~
. , l
. .
..

,


WORKERS' DWELLINGS.
11579-$95 to 730 (BRISBANE. 1925).
, , . 1));' 11: 7
, ... , .... . ,
... l=l=it""P-- -- --
!!"" - --.. --

-
~

.1:.
l1 111 0 . Leoa
M' 7a, ,,..:
r t I Lt
>
0 .... 00 .. .
ttL.( 1 .
41

42
\VORKERS' D\VELLINGS.
10983-.705 to 70 (BRISBANE, 1926).
u:
~ ..
~
~ . 4
~
: :

'.,
. -
'
..
if.
&.
.. . ....





.. ......

\VORKERS' D\VELUNGS.
43
10833-710 to 750 (BRISBANE, 1926) .
, .. ,,.
.... ,
w .. r \j
- l . . .... ,.;


.

F: ....... ........ . . ... .
I


44
" ' 0RKERS ' D\VELLJNGS.
11612
_770 to 810 (BRISBANE, 1925).
l f t IL. - ..
... . .,. '.'.{ ....
l . ,,.

. . ..
.. . ...
ill
, *"
. ..
- '
n;;:i .::.-, .)

\VORKERS' D\VELLINGS.
11695-780 to 820 (BRISBANE, 1925).
OI, I I I o o
.... ..... ... ... .

..
~ -
:?''' ''' 1.00 ...
..
"'
.........
, .... ...... ..
" ! ~
. ,.
45

46
\VORKERS' DWELLINGS.
12154-960 to 1,010 (BRISBANE, 1925) .
.
. .
; 4 ;
..
: . .
: ;
i
. .
...

'
: .h
' ' ., l ...... ,
.., ... ,, ,,. ...
. I L . ,, ... 1 1 " " 1 ' ':!!k:
..........
0 I .. 0 1 1 0 4' UI

\VORKERS' D'\\'ELLJNGS.
11685- $90 to .1,050 (BRISBANE, 1926) .
,,., ... , ..

. .
.
.

, .
47

48 \VORKEBS' D\VELLINGS.
. .
12143-1.140 to 1,200 (B'l!SBANJ!J, 1920)
... . '. .. ....
.... . ~
. ..
' ... ,. ...
. .
A. ' f't' .Mito. Ocn'tni!Dtel Prhitt't". ~ ~