Full Guideline on Home Loan Interest Subsidy under Pradhan Mantri Awas Yojana(PMAY)

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How to Apply for Home Loan Interest Subsidy under Pradhan Mantri Awas Yojana(PMAY) .
प्रधान मंत्री आवास योजना के अंतर्गत गृह ऋण ब्याज सब्सिडी के लिए आवेदन कैसे करें.
Pradhan Mantri Awas Yojana (PMAY) - Credit Linked Subsidy Scheme ( CLSS)
Eligibility
• The beneficiary family should not own a pucca house in his/her or in the name of any member of his/her family in any part of India.
• In case of married couple, either of the spouse or both together in joint ownership will be eligible for a single subsidy.
• The beneficiary family should not have availed of central assistance under any housing scheme from Government of India or any benefit under any scheme in PMAY.
Beneficiary
The beneficiary family will comprise husband, wife and unmarried children. (An adult earning member irrespective of marital status can be treated as a separate household in MIG category)
Coverage:
All statutory towns as per Census 2011 and towns’ notified subsequently, including planning area as notified with respect to statutory town.
Scheme Details
• Aadhar number(s) of the beneficiary family are mandatory for MIG category.
• The interest subsidy will be available for a maximum loan tenure of 20 yrs or the loan tenure whichever is lower.
• The interest subsidy will be credited upfront to the loan account of beneficiaries through bank resulting in reduced effective housing loan and Equated Monthly Installment (EMI).
• The Net Present Value (NPV) of the interest subsidy will be calculated at a discount rate of 9 %.
• The additional loan beyond the specified limits, if any to be at non-subsidized rate.
• There is no cap on the loan amount or the cost of the property.

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