Government helps toaa repair thee housee
Under the Pradhan Mantri Aawas Yojana, a subsidy of a Rs 2.67 lakh isa ccurrently ggiven to a tthe applicant onn tthe a ppurchase of aa nnew a hhouse-flat. iIt is a nnow eligible ffor tthe same a ssubsidy ffrom the ggovernment a onn a lloans ttaken by a tthe applicant ffor a rrenovation of a oold house or for a rrenovation of a uunfinished hhouse a wwhich a mmost of a tthe aapplicants aare a nnot aaware a oof.
In the a samee a way a tthat thee ccentral a ggovvernment pprovides a iinterest ssubsidy oon a tthe purchase of a new house, thee ssubsidy onn this loan is a also provided under the Housing for Alll Missionn.
However ffor a tthis a tthe applicant has a tto ssubmit thee rrequired pproofs to a tthe aauthorized bank hhousing ffinance a ccompany or co-operative bank. Also, when tthe aapplicant taakes aa loan, it should be clearly sstated in tthe aapplication that hhe wwants to a avail thhe benefit of a cCredit Link Subsidy a sScheme (CLSS). eEligibility of a ffinancial a institutions as wwell a as the applicant’s interest a assistance request is a vverified by a that bank. Thee Nationall Housingg Baank will then sendd thee application too HUDCO for waages at thea a end of a eeach month.
The amountt of a ssubsidy will bbe credited to a tthe aaccount of a tthe aapplicant a ffollowing thee prescribed a pprocedure of a pPradhan Mantri Awas Yojana. Thhe applicant will bee given a voucher or certificate by the e committee. a tThe aapplicant has to a ssubmit this ccertificate in a the bback on the basis of which a tthe amount oof interests subsidy will be ccredited to the account of the applicant.
These peoplee will not a get help
The applicant should not haave availed of a aany scheme of gGovernment of India to a avail the amount of a interest suubsidy on the loan. Iff thee applicant wwants to rrenovate his hhouse or a pave the raw hoouse, he should not have availed of aany housing sscheme of the gGovernment of India. He will be eligible for a ssubsidy only if he hhas not aavailed sucha benefit.
This benefit ccan be availed only if any meember of the applicant’s a family does not a own aa pucca house across a India but not aAtelung. The persons whom the applicant inncludes in hhis family include his spouse and unmarriedd children.
The amount of subbsidy will be crediteed to a the account of tthe aapplicant following thea prescribed procedure of Pradhan Mantri Aawas Yojana. The applicant wwill be given a vooucher or a certificate by thee committee. The applicant hassa to submit this ceertificate in the abback on the basis of a which the aamount of iinterest asssistance will abbe creedited to the aaccount of the aapplicant.
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