PM Awas Yojana Home Loan Interest Rate Subsidy 2022 | प्रधानमंत्री आवास योजना होम लोन ब्याज दरों पर सब्सिडी

Check PMAY Home Loan Interest Rate Subsidy, प्रधानमंत्री आवास योजना (PM Awas Yojana) के तहत लिए जाने वाले होम लोन पर वर्ष 2022 में कितना ब्याज लगेगा और सरकार कितनी सब्सिडी दे रही है इसकी पूरी जानकारी पाएं सरकारी योजना वेबसाइट पर
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PMAY Home Loan Interest Rate Subsidy for EWS / LIG / MIG 1 / MIG 2: घर चाहने वालों के लिए एक बहुत अच्छी खबर है, केंद्र सरकार ने प्रधानमंत्री आवास योजना के तहत होम लोन ब्याज दरों में और भी अधिक सब्सिडी की घोषणा की है। प्रधानमंत्री नरेंद्र मोदी ने राष्ट्र को दिए अपने भाषण के दौरान प्रधानमंत्री आवास योजना के तहत लिए हुए होम लोन पर ब्याज में सब्सिडी की घोषणा की। इस योजना के तहत होम लोन की राशि 6 लाख से बढ़ाकर 12 लाख कर दी गई और ब्याज दरों पर सब्सिडी भी मिलेगी।

PMAY होम लोन ब्याज दरें / सब्सिडी 2022

प्रधानमंत्री आवास योजना के तहत लोन राशि में वृद्धि से मासिक किश्तों में भी काफी कमी आएगी। केंद्र सरकार ने 6 लाख रुपये तक के लोन पर 6.5% सब्सिडी, 9 लाख रुपये तक के होम लोन पर 4% सब्सिडीऔर 12 लाख रुपये तक के होम लोन पर 3% सब्सिडी दे रही है। PMAY के तहत होम लोन 20 वर्ष की अधिकतम अवधि के लिए लिया जा सकता है। सरकार ने इस योजना के अन्तर्गत आर्थिक रूप से पिछड़े (EWS), कम आय वर्ग (LIG) के साथ साथ दो मध्यम आय वर्ग (MIG 1 & MIG 2) के समूहों को भी शामिल किया है।

PMAY Home Loan Interest Rate Subsidy in Tabular Format

The interest rates are as applicable for Home Loans in several banks under PMAY Housing Scheme:-

CriteriaExisting Instructions(CLSS – EWS +LIG)Revised Instructions (CLSS – EWS +LIG)CLSS (MIG-I)CLSS (MIG-II)
Household/ Annual Income (Rs)Upto Rs. 6 lakhsUpto Rs. 6 lakhsRs. 6.01-12.00 lakhsRs. 12.01-18.00 lakhs
Property Area (Carpet Area ## )30/60 sqm*30/60 sqm*160sqm200sqm
Location17778 towns17778 townsUrban -2011*Urban -2011*
Woman OwnershipYes (except for construction)Yes (except for construction)NANA
Max Loan Amt for SubsidyUpto 6 lakhsUpto 6 lakhsUpto 9 lakhsUpto 12 lakhs
Subsidy %6.50%6.50%4%3%
Subsidy AmountRs. 2.20 lakhsRs. 2.67 lakhsRs. 2.35 lakhsRs. 2.30 lakhs
NPV9%9%9%9%
Max term of loan (on which subsidy will be calculated)15 yrs20 yrs20 yrs20 yrs
Property should be Family’s1st home**1st home**1st home**1st home**
Validity2022202231/03/202131/03/2021
ApplicabilityLoans approved on/after 17/06/2015Loans approved on/after 01/01/2017Loans approved on/after 01/01/2017Loans approved on/after 01/01/2017
PMAY House Loan Interest Rate Subsidy
  • *Applicable in case of Repair and Renovation
  • **Major earning son / daughter can also own a house & avail subsidy separately for their 1st home. In case of EWS / LIG loan sanctioned on or after 27th June, 2017 will be eligible for the same.
  • #17778 Statutory Towns and the Planning Area as notified with respect to the Statutory Town and which surrounds the concerned municipal area will also be covered under the Scheme.
  • ##Carpet Area: The net usable floor area of an apartment, excluding the area covered by the external walls, but includes the area covered by internal partition walls of the apartment.

Pradhan Mantri Awas Yojana – Housing For All (Urban)

Housing for All Mission for urban area will be implemented during 2015-2022 and this Mission will provide central assistance to implementing agencies through States and UTs for providing houses to all eligible families/beneficiaries by 2022.

Affordable Housing through Credit Linked Subsidy

The Mission, in order to expand institutional credit flow to the housing needs of urban poor will implement credit linked subsidy component as a demand side intervention. Credit linked subsidy will be provided on home loans taken by eligible urban poor (EWS/LIG) for acquisition, construction of house. Under Affordable Housing through Credit Linked Subsidy there are 4 schemes:

  1. CLSS – EWS / LIG
  2. Revised CLSS – EWS/LIG
  3. CLSS (MIG-I)
  4. CLSS (MIG-II)

Credit Linked Subsidy Scheme- EWS / LIG

Scheme: Under this PMAY Home Loan Interest Rate Subsidy scheme, credit linked interest subsidy @6.50% for 15 years or actual tenor of the loan, whichever is lower, will be provided to the eligible beneficiaries in EWS/LIG category by the Government of India.Applicants belonging to LIG (Low Income Group) & EWS (Economically Weaker Sections) section. The EWS/LIG categories are defined as follows:

  • EWS households with an annual income upto Rs. 3.00 lacs
  • LIG households with an annual income between Rs. 3.00 lacs to Rs. 6.00 lacs
  • Scheme: 17th June 2015 to 31st March 2022
  • Maximum subsidy of Rs. 2.20 lacs (approx.) is eligible

Coverage & Eligibility of PMAY Housing Scheme CLSS – EWS / LIG

  • The ownership of the house should either in the sole name of the female member of the household or joint ownership with the wife. However, this condition will not be made mandatory in cases of construction of house on an existing plot or extension/renovation of existing Kuccha/Semi-pucca house.
  • The beneficiary family should not own a pucca house (an all-weather dwelling unit) either in his/her name or in the name of any member of his/her family in any part of India.
  • The carpet area of house under this Scheme should be upto 30 sq. mts. for EWS beneficiaries and upto 60 sq. mts. for LIG beneficiaries.
  • Credit Linked Subsidy is available for housing loans availed for acquisition/construction of house and repair/extension of Kucha/Semi Pucca house.
  • Maximum term of loan on which the subsidy will be calculated is 15 years.

Revised Credit Linked Subsidy Scheme – EWS / LIG

  • All the above guidelines of CLSS- EWS / LIG applies to this scheme also.
  • The Maximum term of loan increased from 15 years to 20 years
  • Maximum subsidy of Rs. 2.67 lacs (approx.) is eligible

Credit Linked Subsidy Scheme – MIG

Government of India under the aegis of the Ministry of Housing and Urban Poverty Alleviation (MoHUPA) has launched Credit Linked subsidy Scheme (CLSS) for Urban Areas under the ambit of Pradhan Mantri Awas Yojana. The CLSS-MIG which was implemented initially for a period of one year i.e., from 01.01.2017 to 31.12.2017 has been further extended up to 31.03.2021.

Central Govt Schemes 2022Popular Schemes in Central:प्रधानमंत्री आवास योजना 2022Pradhan Mantri Awas YojanaPM Awas Yojana Gramin (PMAY-G)

Scope and Coverage of PMAY MIG Housing Scheme

All Statutory towns as per Census 2011 and towns notified subsequently will be eligible for coverage under CLSS for MIG. Planning Area as notified with respect to the Statutory Towns and which surrounds the concerned Municipal area will also be covered under the Scheme to provide interest subsidy for Housing Loan beneficiaries belonging to Middle Income Groups (CLSS-MIG).

  • The credit linked subsidy @ 4% will be available for loan amount up to Rs. 9 lacs in case of MIG-I and @3% for Rs 12 lacs in case of MIG-II. However, the Banks can sanction Home Loans more than Rs. 9 or12 lacs but the subsidy will be restricted to Rs. 9 or 12 lacs, as the case may be..
  • Under CLSS, an interest subsidy will be available for a tenor of 20 years or actual tenor of the loan, whichever is lower. However, Bank can sanction loans for a maximum tenor of 30 years but the loan has to be repaid before the borrower attains the age of 70 years. The Net Present Value (NPV) of or the subsidy will be calculated at a discount rate of 9% and will be credited upfront to the loan account.
  • Maximum subsidy eligible under CLSS-MIG (I) – Rs. 2.35 lakhs (approx.)
  • Maximum subsidy eligible under CLSS-MIG (II) – Rs. 2.30 lakhs (approx.)

Eligibility for PMAY CLSS MIG Scheme

  1. The Household with an annual income from Rs 6,00,001 to Rs. 12 lacs for MIG-I
  2. The household with an annual income from Rs 12,00,001 to Rs. 18 lacs for MIG-II
  • The beneficiaries have been defined as a family comprising of husband, wife and unmarried children. An adult earning member (irrespective of marital status) can be treated as a separate household and can avail subsidy independently.
  • In case of married couple, either of the spouses or both together in joint ownership will be eligible for a single house subject to income eligibility of the household under the scheme.
  • The beneficiary family should not own a pucca house (an all-weather dwelling unit) either in his/her name or in the name of any member of his/her family in any part of India.
  • The carpet area of house under this Scheme should be up to 160 sq. mts. for MIG-I beneficiaries and up to 200 sq. mts. for MIG-II beneficiaries.
  • Banks shall have to submit a consolidated certificate on completion of the housing unit within one year period from the completion of construction or a maximum of 36 months from the date of the disbursement of the 1st installment of the loan amount. In case of default in not providing utilization/end use certificate the Bank shall refund the amount of subsidy to the CNA.
  • In case a borrower who has taken a Home Loan under the Scheme and has availed interest subvention benefit under the Scheme but later on switches to another Bank, such beneficiary will not be eligible for the benefit of interest subvention again.
  • Home Loan under this scheme will be available by way of Term loan and Maxgain (for loan limits of Rs. 20 lakh and above) with a maximum tenor of 30 years. However, subsidy is available for a maximum tenor of 20 years only.
  • Though the interest subvention under CLSS (MIG) is available upto Rs. 9 or12 lacs, loan limits over and above Rs. 9 and 12 lacs will also be sanctioned to the eligible borrowers based on the eligibility criteria stipulated under our existing Home Loan Scheme.
  • All loans accounts under the Scheme will be linked to Aadhaar.

प्रधानमंत्री आवास योजना – शहरी के लिए ऑनलाइन आवेदन CSC’s और आधिकारिक वेबसाइट pmaymis.gov.in के माध्यम से आमंत्रित किया जा रहा है। केंद्र सरकार ने प्रधानमंत्री आवास योजना ग्रामीण के तहत वर्ष 2022 में लिए गए 2 लाख रुपये तक के होम लोन के ब्याज पर 3% तक की छूट देने का भी एलान किया है।

Other Related Links

PMAY Home Loan Interest Rate Subsidy for EWS / LIG

PMAY Home Loan Interest Rate Subsidy for MIG

For more information – Click here

338 thoughts on “PM Awas Yojana Home Loan Interest Rate Subsidy 2022 | प्रधानमंत्री आवास योजना होम लोन ब्याज दरों पर सब्सिडी”

  1. SIR I Have taken loan from adhar housing finance for the plot and the inetrest rate is so high…. 12%
    now i want to construct on the plot and i want to change the bank for lowest rate of interest and i want subsidy…please help me
    just i am suffering from money crisis because my current emi is 11100.and my monthly income is 30000.

    please help us…..
    thanks

    Reply
  2. Sarji. हमे 3लाख का लोन चाहिए माई हेल्प करो

    Reply
  3. Plz sir
    Mujhe home lone ke liye mujhe 800000 lack ki lone chahiye plz sar help as
    Main selerad hun manthali incan 15000 hajar hain

    Reply
  4. sir
    i have taken home loan from first UBI rs 14.4lakh on dated 15/6/2015 and now shifted in SBI rs 13.80 lakh on dated 4/7/2017 and my income less than 12 lakh .
    i am eligible for Pradhan Mantri Awas Yojana Home Loan Interest Rates/Subsidy 2017”
    or not please reply

    Reply
  5. Md.Sabbir

    Sir mujhe ghar ke liye 12lakh ki bohut
    Jaruraat hei please help me sir.

    My numbr-8240320943-8961372639.
    Please sir I waiting you

    Reply
  6. Sir mera Naam Girish Chauhan he mera village Bharuch district me he Vagra taluka at.ambhel pin 392140 mere Ko mera ghar Banna he to muje 10 lacks ki jarur he to pl sir muje achi schem ho to pl help kariye sir my contact no 9033374597 he.

    Reply
  7. Dear sir humari bhi help kare sir koi ki humara
    Ghar har jagha se chite gaya ha plese me bhi aapke home lone ki apply form bhar diya ha sir
    Aap se request ha ki aap humra lone pass kar de

    Reply
  8. Respected sir,
    My self Altaf.I live with my family in a rent house I am a worker and I can’t adjust my family in my income. So I humbly request u to plz give me loan at least 6 lakhs.

    Reply
  9. Sir iski details jankari mujhe chahiy.
    Iska koi contact num ho to plz mujhe bataya jay jaha se mujhe ye jankari puri puri mil sake or mujhe is yojna ka help mile
    Thanku
    Chandra Kant
    Mob:-7903694191

    Reply
  10. sir ji ek nivedan hi aapse mera loan karwa do 5 lakh ka mere pass plot hi
    per paisa nahi hi intrest per kaise hoga kuch ideaa do . me privet job karta hu

    please please please

    Reply
  11. Sir mere ko bussanies krna h mughe bank se lone mere pas balence nhi hai ki me bussaniess kru plz mughy lone ki aawsekta h sir mera ye number h 9708018055

    Reply
  12. Dear Sir,

    I have taken home loan at private (Sundram Home ) start form 2012 , 20 years loan. now i ask bank govt.subsidy eligibility . but bank told , subsidy only for new customer only.

    pls clarify.

    Thanks & Regards…

    P.Jeyachandran (9566980247)

    Reply
  13. Dear Sir
    I have already taken loan from TATA Houseing finance ltd about 12 lakhs on june 2017 can i convert this loan to pmay if yes how can i peoceed, any subsidy pls reply me

    Reply

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