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Pradhan Mantri Awas Yojana (2019-2020) - PMAY Housing, Pradhan Mantri Awas Yojana (PMAY): Scheme Details|


Pradhan Mantri Awas Yojana (2019-2020) - PMAY Housing, Pradhan Mantri Awas Yojana (PMAY): Scheme Details|



Pradhan Mantri Awas Yojana (2019-2020) - PMAY Housing, Pradhan Mantri Awas Yojana (PMAY): Scheme Details|

Finance Minister Nirmala Sitharaman said in a press conference today that the government has decided to extend the duration of the subsidy-linked home loan scheme (Pradhan Mantri Awas Yojana) for one year. The credit linked subsidy scheme was introduced by the government in 2017 and ended in March 2020. Now the date has been extended to March 2021. The benefit of this scheme will be available to people whose annual income is between Rs 6 lakh to Rs 18 lakh.
The scheme has so far benefited 3.3 lakh people. The government hopes that extending the scheme date will benefit more than 2.5 lakh people. The finance minister said this would lead to an investment of about Rs 70,000 crore in the housing sector, which would create employment opportunities as demand for steel, iron and other construction materials would increase.


What is a CLSS scheme?


Through this scheme, the government's efforts are to provide housing to the urban poor. There are two categories of Middle Income Group (MIG) with an annual income of Rs 6-12 lakh. It falls in the MIG-1 category and those whose annual income is between Rs 12-18 lakh are in the MIG-2 category. Under the credit linked subsidy scheme, people of both the categories get interest subsidy. The MIG-1 category can avail interest subsidy on home loans up to Rs 9 lakh. The interest subsidy is 4 per cent. The term of the loan will be up to 20 years.


MIG-2 category
MIG-2 category people can avail interest subsidy on home loans up to Rs 12 lakh. Interest subsidy is 3%. The term of the loan will be up to 20 years. Today, the Finance Minister informed about the second part of the Self-Reliant India Package. This includes all advertisements especially for farmers and migrant laborers. He has announced loans for 50 lakh peddlers. A special credit facility of Rs 5,000 crore has been arranged for them. Initially, the working capital will be around Rs 10,000 which can be used to start a business.
Who is eligible for Pradhan Manti Awas Yojana
How to apply for this PMAY Scheme
How to check your name in PMAY 2019 Beneficiary List
Is Pradhan Mantri Yojana available to existing home loan borrowers? pradhan Mantri Awas yojana eligibility


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Pradhan Mantri Awas Yojana (Urban)-PMAY (U)
Pradhan Mantri Awas Yojana (Urban) Mission launched on 25th June 2015 which intends to provide housing for all in urban areas by the year 2022. The Mission provides Central Assistance to the implementing agencies through States/Union Territories (UTs) and Central Nodal Agencies (CNAs) for providing houses to all eligible families/ beneficiaries against the validated demand for houses for about 1.12 cr.
READ DETAILS IN GUJARATI

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As per PMAY(U) guidelines, the size of a house for Economically Weaker Section (EWS) could be up to 30 sq. mt. carpet area, however, States/UTs have the flexibility to enhance the size of houses in consultation and approval of the Ministry.


In continuation of this Government’s efforts towards the empowerment of women from EWS and LIG unlike earlier schemes, PMAY (U) has made a mandatory provision for the female head of the family to be the owner or co-owner of the house under this Mission.
Verticals of PMAY (Urban) A basket of options is adopted to ensure inclusion of a greater number of people depending on their income, finance and availability of land through following four options,


Pradhan Mantri Awas Yojana (2019-2020) - PMAY Housing, Pradhan Mantri Awas Yojana (PMAY): Scheme Details|

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