Home loan subsidy of Rs 2.67 lakh, you can also avail the benefit of PMAY

Home loan subsidy of Rs 2.67 lakh, you can also avail the benefit of PMAY

Home loan subsidy of Rs 2.67 lakh, you can also avail the benefit of PMAY

Not only the rich, but every poor man has a dream to dream of a house. Pradhan Mantri Awas Yojana (PMAY) is proving to be very effective in realizing the dreams of the economically weaker sections. Also, if you are dreaming of building your dream home for the first time, then you can also take advantage of the Pradhan Mantri Awas Yojana. Under this scheme, the government is also giving subsidy on home loans to home buyers. The Central Government has extended the Credit Linked Subsidy Scheme (CLSS) under PM Awas Yojana till March 31, 2021. In such a situation, if you also want to take home loan subsidy, then you can take advantage of this plan. However, there are some conditions.

These conditions are necessary to take subsidy
Those who want to take advantage of PM Awas Yojana (Pradhan Mantri Awas Yojana) and want to save on home loan, they need to come to these circles of government. If you want to apply for this scheme, then your annual income should be between Rs 6 lakh to Rs 18 lakh. Under this scheme, first time home buyers get subsidy on home loan interest. The subsidy on home loan can be up to a maximum of Rs 2.67 lakh. There are a few things you need to know to get PMAY subsidy.

Know how subsidy is available
6.5 percent credit linked subsidy is available only for loans up to Rs.6 lakh. Those with an annual income of Rs 12 lakh get an interest subsidy of 4 percent on a home loan of Rs 9 lakh. People with an income of Rs 18 lakh get a subsidy of 3 percent on a loan of Rs 12 lakh. Overall, the loan tenure is 20 years. Additional loans over and above the amount of the subsidized loan are required to pay interest at the current rate.

Income is determined by category
3 lakh to 6 lakh are placed in Economically Weaker Section (EWS) and (LIG) with an annual income. The annual income of middle income group 1 (MIG 1) is 6 lakh to 12 lakh and middle income group 2 (MIG2) has an annual income of 12 to 18 lakh. Subsidy of 2.67 lakh on loan up to Rs.6 lakh from this scheme, similarly 12 lakh annual income subsidy and subsidy of 2.35 lakh on loan up to Rs.9 lakh. Under this scheme, people having annual income of Rs 18 lakh are being given loans up to Rs 12 lakh.

To take advantage of PM Awas Yojana, apply like this
To take advantage of Pradhan Mantri Awas Yojana, you must first log on to the official website of PMAY https://pmaymis.gov.in/. If you fall under LIG, MIG or EWS category then click on other 3 components. Here in the first column enter the Aadhar number. In the second column, enter your name as mentioned in Aadhaar. Then on the page that opens enter your personal details, name, address, information about family members. Also, click on the box at the bottom which says, “You certify this information to be true. Once you have entered all the information, you need to enter the captcha code here, then you can enter the form You can deposit.”

Prime Minister’s Housing Scheme

present situation
20 million people are homeless in India. 90% of the people in India alone out of 10-11 crores in the world do not have a house. Mumbai, the financial capital of the country, has the highest number of homeless unfortunate people. Today it is not so. Like many problems, this too is an old problem of India. Two decades ago, when 3-4 lakh people were homeless in the world, then India’s figure was more than 20 million. All the governments have made great efforts, but they have proved insufficient. The eye-catching work has not been completed in six and a half decades. Pradhan Mantri Awas Yojana Government thanked on 8th June, 2016.

શિક્ષક સજ્જતા માટે ખૂબ જ ઉપયોગી શિક્ષણનું માળખું PDF ડાઉનલોડ કરવા માટે અહી ક્લિક કરો.

This scheme is proving to be more efficient than the previous scheme and is proceeding in a more planned manner. The work that was not done in the last seven decades is the work of the Prime Minister which has to be done in just seven years. But the present NDA government has taken a wonderful initiative in this regard in two years. Under the Pradhan Mantri Awas Yojana, this government has completed 2.5 lakh houses in just two years and has set a target of completing 10 million houses by the year 2019. Looking at the way the plan is progressing, the stigma of “country with the most homeless people” will surely be erased from India’s head in 202.

salient feature
Target to provide housing to all by the year 207
Beneficiary Selection According to 2011 data
The size of the dwelling is 20 square meters. increased by 3 sqm
Assistance under MGNREGA scheme has been increased from Rs 50,000 to Rs 1,50,000 and Rs 12,50 for construction of toilets under Swachh Bharat Mission to Rs 15,000 and Rs 2,16,50.
Primary facilities like water, electricity, roads etc. in coordination with other schemes.
Beneficiaries and artisans involved in housing construction like Kadia, Sakhi Mandal use latest technology for training monitoring. (Housing App)
Launched “Housing for All” under the Pradhan Mantri Awas Yojana. The name of the scheme is Pradhan Mantri Awas Yojana, but
It is tagged as housing for all so that all homeless people in India can have access to housing. how much of this plan
This is huge and it can be gauged from the fact that 5% of the urban population is affected by this scheme, while 3% of the people living in the villages.


People find it effective.
Under this scheme, a target has been set to build two crore houses in just seven years. Divide the plan into three phases
has been dropped. According to the plan year, short-term plans have to be made to achieve the long-term goals.
All three are divided.
In the first part, 100 cities and towns of the country from the beginning of the scheme i.e. from June 8, 2016 to March 2018.
will be covered. In those cities, those who do not even have a roof over their heads, they will get a house with immediate effect.
Under this scheme, not only the homeless people living in slums, but also poor families living in cities.
That even if they do not live in slums, they will hardly get food twice a day in the first phase.
will be covered.
The second phase will be from April 2018 to March 2018. It will cover 200 cities. until this stage comes
A target has been set to provide houses to lakhs of people. In addition to the slums at this stage, the amount under the housing scheme for the poor
Approved houses will be encouraged to build.
If economically backward families want to build their own house, then under this scheme they can pay from Rs 1 lakh to Rs 2.50 lakh.
Till Piya will be given as subsidy.
The third and final phase will be from April 2018 to March 207. This section covers all the rest of the designated cities.
Will be kept 100 in the first phase, then 200 and in the third phase depending on the new cities or need.
Cities will be selected and subsidized or provided to the homeless. Complete the plan in three steps
has not been done. There are still some systems which have the concept of poor to middle class, from women to the elderly
has been held.
Apart from the three phases in the Pradhan Mantri Awas Yojana, some relief to those who want to buy a house
has been given. Despite spending a lifetime, buying a home is still a dream come true for many.


A person with low income may not dare to pay a huge bank installment going on for years. for the benefit of such people
In this scheme, the facility of subsidy has been added in the installments of the house.
Currently, the interest rate on home loans in India is 10.50%. The Telecom Ministry accepted the recommendation of the committee
The interest rate on home loans has been increased to 7.50%. That is, the process of this plan to buy a house in the name of the woman of the family
If a loan of Rs 5 lakh is taken for 15 years after completion, then in general, after all the calculations, the bank gives Rs 2.5 lakh monthly.
Sets the installment. Instead, under this scheme, a subsidy of 2.5 percent is covered and a benefit of two thousand rupees is given in monthly installments.
Is done. The loan installment of Rs 5 lakh has come down to Rs 3,050 crore. Overall, in a loan of Rs.
profit. Home loan lenders usually have to pay double the amount, with half the amount being recovered.
What happened!
In any newly constructed housing scheme, loans with grants are sanctioned in the name of women. because of this woman
The intention is to become independent. Similar benefits have been arranged for elders as well. senior citizen number
If he buys a house in the scheme then he gets priority on the ground floor.
The government has decided to provide benefits in the category of low income group in all housing schemes under this scheme, under which any
In the housing scheme, immediate relief is given to the home buyer by reducing the price by up to Rs 5 lakh in the principal amount.
In the Pradhan Mantri Awas Yojana, the plan from the builder to the banks by the government is not because of the loose policy of the government, but of the corporate.
It is organized in such a way that the harassment inherent in the government scheme can be easily avoided!
The way the Prime Minister’s ambitious plan is progressing, it is safe to say that “Modi’s”
Ghar Ghar Yojana will be successful like Modi from house to house!

શિક્ષક સજ્જતા કસોટી SCE પત્રકોના પરિચય અંગેની ક્વિઝ આપવા માટે અહી ક્લિક કરો.


Launched “Housing for All” under the Pradhan Mantri Awas Yojana. The scheme is called Pradhan Mantri Awas Yojana but it is tagged as Housing for All to provide housing facility to all the homeless people of India. While the scheme may affect 5 percent of the urban population, it will affect 5 percent of the rural population. The target is to build 20 million houses in just seven years. The plan is divided into three phases, shortened to meet long-term goals. Due to the need, the scheme has been divided into three parts according to the year. Those who do not have slums, they will get houses with immediate effect. Under this scheme, the homeless people living in slums will get houses, but apart from this, poor people living in cities i.e. even if they do not live in slums, they can hardly get food for two times in the first phase. will be covered. The second phase will be from April 2018 to March 2018. It will cover 200 cities. The target is to reach 1.5 crore people by this stage. In this phase, apart from slums, the poor will be encouraged to build houses by sanctioning funds under the housing scheme. The third and final phase will be from April 2018 to March 207. This section will cover all the remaining designated cities. In the first phase, 100, then 200 and in the third phase, new towns or cities will be selected keeping in mind the need and the homeless will be given subsidy or house construction. The plan is not being completed in these three phases. There are still some systems that take care of the poor to the middle class, from women to the elderly. Apart from the three phases of Pradhan Mantri Awas Yojana, some relief has been given to crores of people who want to buy houses. Despite spending a lifetime, buying a home is still a dream come true for many. A low income man cannot dare to pay such a huge bank installment which has been going on for years. The subsidy facility has been added in the house installment scheme for the benefit of such people. At present the interest rate on home loan in India is 10.50%. Accepting the recommendation of the Inter-Ministerial Committee, the interest rate on home loans has been increased to 7.50 percent. For example, if a loan of Rs 5 lakh is taken for 15 years after completing the planning process to buy a house in the name of a woman in the family, usually, after all the calculations, the bank will pay a monthly installment of Rs 2.5. determines. lakh. Instead, the scheme includes a subsidy of 2.5 percent and benefits up to Rs 2,000 in monthly installments. The loan installment of Rs 5 lakh has come down to Rs 3,050 crore. Overall, a loan of Rs 5 lakh gives a benefit of Rs 5 lakh 50 thousand in 15 years. Usually, the home loan lender has to pay twice the amount, here only half is recovered! In any newly constructed housing scheme, a subsidized loan is sanctioned in the name of the woman. Because its aim is to make women self-reliant. Similar benefits have been arranged for elders as well. If a senior citizen buys a house under any scheme, then he gets priority on the ground floor, immediate relief is given. In the Pradhan Mantri Awas Yojana, the government has planned from builders to banks, not because of the loose policy of the government, but because of corporate companies. It can be said with certainty that “Modi’s Ghar Ghar Yojana will be door-to-door. Be successful like Modi!

પ્રાથમિક શૈક્ષીક મહાસંઘ ના મહામંત્રી શ્રી નો વીડિયો જોવા માટે અહી ક્લિક કરો.

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