Sarkari Yojana Pradhan Mantri Awas Yojana: Do you also want to take home loan on 2 % interest. Many government banks of the country are offering home loans at 8 percent to 9.5 percent interest. With the help of the government, you can get this loan on 2 % interest. Are you planning to buy a house too? Government scheme to buy a house can take advantage of the Pradhan Mantri Awas Yojana and take home loans on low interest. But you do not know how and where to apply for it. There is no need to get upset, you can apply online for Pradhan Mantri Awas Yojana. Your work will be done at home.
What is Pradhan Mantri Awas Yojana?
The Pradhan Mantri Awas Yojana (PMAY) is an important scheme of the government, which was launched in 2015. Its purpose is to provide cheap and firm house to every common citizen. In particular, this scheme has been made for the first time home buyers. Under this scheme, people of weak, low and middle income class are subsidized on home loans, which makes it easier to buy a house.
Benefit of Pradhan Mantri Awas Yojana?
Under PMAY, interest subsidy of up to 6.5% is available on home loans. This subsidy is available for a maximum of 20 years. Apart from this, the process of applying is also very easy and online. Currently, banks offer home loans to customers at an interest of 8 to 9.5 percent. If you reduce the interest subsidy of 6.5 percent of this, you will benefit greatly. If seen, a maximum of 2 percent interest will be available home loan.
Who can apply?
For PMAY scheme, the government has divided people into four income categories.
EWS i.e. economically weaker section – whose annual income is Rs 3 lakh or less.
LIG ie Lower Income Group – whose annual income is between 3 lakh to 6 lakh rupees.
MIG-I i.e. Middle Income Group-whose annual income is 6 lakh to 12 lakh rupees.
MIG -II i.e. Middle Income Group – II – People whose annual income is 12 to 18 lakh rupees annually.
How to apply in Pradhan Mantri Awas Yojana
First of all, know which of these income class you fall.
Now go to the official website of PMAY PMAYMIS.Gov.in.
Go to Citizen Assessment section on the website and choose your category.
Now enter the Aadhaar number and proceed.
Then fill your personal information, income, bank details and address in the application form.
Enter the captcha code, check all the information and submit.
Which documents will be needed?
ID Proof – Aadhaar Card and Voter ID.
Address proof
Income certificate
Bank details
Property related documents
How to check the status of the application
You can learn the status of your application by visiting the website with Track Your Assessment Status option.
Only these people can take advantage
Only those people who are taking home for the first time and who do not already have a firm house.