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Sunday, August 18, 2019

Prime Minister Avas Yojana Full Details

Prime Minister Avas Yojana Details
Pradhan Mantri Awas Yojana :
    The Mission will be implemented during 2015-2022 and will provide central assistance to Urban Local Bodies (ULBs) and other implementing agencies through States/UTs for: 
1. In-situ Rehabilitation of existing slum dwellers using land as a resource through private participation 
2. Credit Linked Subsidy 
3. Affordable Housing in Partnership 
4. Subsidy for Beneficiary-led individual house construction/enhancement. 
Credit linked subsidy component will be implemented as a Central Sector Scheme while other three components will be implemented as Centrally Sponsored Scheme (CSS).The scheme will cover

Pradhan Mantri Awas Yojana (PMAY) - Credit Linked Subsidy Scheme (CLSS)
The "Credit Linked Subsidy Scheme” (CLSS) under Pradhan Mantri Awas Yojana (PMAY) was announced by our Honourable Prime Minister Shri Narendra Modi. The scheme envisages the vision of housing for all by the year 2022. ICICI Bank offers "Credit Linked Subsidy Scheme" under Pradhan Mantri Awas Yojana

Under this scheme, interest subsidy on purchase/ construction/ extension/ improvement of house is provided to customers belonging to Economical Weaker Section (EWS)/Lower Income Group (LIG)/Middle Income Group (MIG).

Features
Upfront interest subsidy benefit on principal outstanding
Aadhaar number(s) of the beneficiary family are mandatory for MIG category
Interest subsidy will be available for a maximum loan tenure of 20 years or the loan tenure availed by the borrower whichever is lower
There is no cap on the loan amount or on the cost of property.
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.

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Prime Minister Avas Yojana Details

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