Pradhan Mantri Awas Yojana Online Application Form and Eligibility Details in Hindi: PMAY Home Loan also known as housing for all by 2022 (Modi Home Loan Scheme) is yojana released by our beloved prime minister shree narendra modi. PM Awas Yojana will be completed on at the end of 2022. PMAY is the best yojana created by any prime minister according to national building and construction association.
On 9th June, 2014 in his presidential speech, Hon. President addressed the nation in a joint parliament session that “By the time Nation completes 77 years of independence, every family has a pucca house with a water connection, toilet facilities, 24*7 electricity supply and access”. Honourable Prime minister envisioned housing for all by 2022 when the nation completes 75 years of independence. In order to achieve this, central government has launched a comprehensive mission “Pradhan Mantri Aawas Yojana- (Housing for All- Urban)”
The main aspects on which PMAY is conceived is…
- It aims to transfer slum areas by building homes for slum dwellers in collaboration with private developers.
- It plans to give credit linked subsidy to weaker and mid-income sections on loans taken for new construction or renovating the existing houses.
The project is to be implemented during 2015-2022, during which this mission will provide central assistance to implementing agencies through states and UTs for providing houses to all eligible families/beneficiaries.
pradhan mantri awas yojana eligibility
Under this scheme (Prime Minister Housing Scheme), everyone who have ever wished for their own House, but could not make it for some reasons will see the dream of making it again. The Pradhan Mantri Aawas Yojana has recently expanded its scope to cater the housing need of the mid-income group, besides the economically weaker sections (EWS) and Low Income group (LIG). The scheme was originally made to cover people in the EWS (annual income not exceeding 3 lakhs) and LIG (annual income not exceeding 6 lakhs). But now covers the mid-income group. (MIG)
The scheme has four different levels on which eligibility is decided.
- EWS – income up to 3 lakhs
- LIG – income from 3.1 to 6 Lakhs
- MIG-1 – Income 6.02 to 12 lakhs
- MIG-2 – income 12.01 to 18 lakhs.
Apart from this, a family should be a first property owner and does not have a pucca house on any of his member’s name. otherwise they will not be eligible for the scheme. For EWS and LIG, it is mandatory for a female of the family to be the property owner.
Subsidy offered in this scheme is dependent on which income level you fall in. applicants with income up to 6 lakhs can avail a maximum subsidy of 2.67 lakhs. Applicants with income up to 12 lakhs can avail subsidy up to 2.35 lakhs, and applicants with income up to 18 lakhs can avail subsidy of 2.30 lakhs.
pradhan mantri awas yojana online application form
Documents Needed for Enrolment and How to Apply
- KYC Documents and passport size photograph
- Aadhar card is mandatory
- Salary proof or certificate & updated bank statements
- Income tax returns of last two years and bank statement for salaried employees
- Proof of income
You will have to register online through the official website https://pmaymis.gov.in/ that will be easy to track and manage the application. Then keep a hard copy of that application while going to housing finance companies or Bank. But first you please check whether you are eligible to apply or not.