Скачать с ютуб A to Z of Pradhan Mantri Awas Yojana Scheme | Government Schemes в хорошем качестве

A to Z of Pradhan Mantri Awas Yojana Scheme | Government Schemes

A to Z of Pradhan Mantri Awas Yojana Scheme | Government Schemes    • A to Z of Pradhan Mantri Awas Yojana ...   About Launched in 2015, Pradhan Mantri Awas Yojana (PMAY) is a scheme of the Government of India which aims to provide affordable housing to every poor. The PMAY scheme aims to construct around 20 million houses at an affordable cost by 31 March 2022. Pradhan Mantri Awas Yojana Gramin (PMAY-G) has been extended Hll the year 2024. The total target of pucca houses has also been revised to 2.95 crore houses. Since its launch, PMAY has brought about change in the enHre real estate market by bringing down the cost of buying a home for the urban poor. If you are also looking to get your house built under the Pradhan Mantri Awas Yojana scheme, then you must know about the PMAY (Pradhan Mantri Awas Yojana) scheme. In this we have discussed PMAY Eligibility Criteria and parameters, subsidy calculaHon, How to apply online/offline for PMAY, and all other informaHon you want to know about PMAY housing scheme 2022 is covered. Let us first know the benefits of Pradhan Mantri Awas Yojana or PMAY – Benefits Pradhan Mantri Awas Yojana was launched with the aim of bridging the growing gap between the demand and supply of housing in urban areas. Have a look at the main objectives of the scheme: Rehabilitating slums with the help of private developers. PromoHon of affordable housing for the poor through Credit Linked Subsidy Scheme. To build affordable houses in partnership between public and private sectors. Providing subsidy for individual house construction. Eligibility The Ministry of Housing and Urban Poverty Alleviation has defined the beneficiaries of the PMAY scheme as follows: Beneficiaries can be husband, wife and unmarried daughters/sons. The beneficiary should not have a pucca house, which means there should not be a house in his/her name or any other family member's name in the whole of India. Any adult, whether married or not, can be considered a completely separate household. Beneficiaries Beneficiaries under the PMAY scheme mainly include the following categories- Middle Income Group (MIG I) whose annual income is between Rs 6 -12 lakh Middle Income Group (MIG II) whose annual income is between Rs 12 -18 lakh Low Income Groups (LIGs) whose annual income is between Rs 3 -6 lakh Economically Weaker Sections (EWS) whose annual income is up to Rs.3 lakh. While the beneficiaries of LIG and MIG are only eligible for the credit linked subsidy scheme covered under Pradhan Mantri Awas Yojana, EWS beneficiaries are eligible for full assistance. To become a LIG or EWS beneficiary under the scheme, it is important for the applicant to provide an affidavit in support of the income proof. Subsidy Calculation As can be seen from the above table, the subsidy you are enHtled to is approximately Rs 2.3 Lakhs. So, out of a loan amount of Rs 12 lakh, your subsidy of Rs 2.3 lakh will be deducted and you will pay EMI on the balance amount of Rs 9.7 lakh. In other words, the subsidy is already credited to the borrower's account, thereby reducing the effective home loan amount and EMI amount. Components In order to benefit more people from the scheme, the government has made the following four components based on their income, economic status and availability of land. 1. Credit Linked Subsidy Scheme (CLSS) - PMAY 2. In-Situ Slum Redevelopment (ISSR) - PMAY 3. Affordable Housing in Partnership (AHP) - Pradhan Mantri Awas Yojana 2022 4. Construction / Augmentation of Beneficiary Led Individual House (BLC) - Pradhan Mantri Awas Yojana 2022 apply online Follow the given steps for Pradhan Mantri Awas Yojana Gramin online applicaHon- The steps given below will help people to avail subsidy on their home loan under PMAY scheme. The online process to apply for PMAY is menHoned below- • Step 1: Visit the official website of PMAY. • Step 2: Click on the CiHzen Assessment opHon under the menu tab. • Step 3: The applicant will enter his/her Aadhaar Card. • Step 4: Once the Aadhaar number is entered, the applicaHon page will open. • Step 5: The PMAY applicant should enter all the required details on this page including income details, personal details, bank account details and other required informaHon. • Step 6: PMAY applicants must double check all the informaHon before subminng. • Step 7: As soon as one clicks on the 'Save' opHon, he/she will get a unique applicaHon number. • Step 8: You need to download the filled applicaHon form. • Step 9: Finally, the individual can submit the form to their nearest CSC office or to the financial insHtuHon/bank offering their home loan. He has to submit all the required documents along with the form. Ministry : Housing & Urban Ministry mahua.gov.in Websites pmaymis.gov.in pmay-urban.gov.in Social Link www.linkedin.com/company/allaboutgovschemes www.linkedin.com/company/allaboutgovernmentschemes