Home Loan Scheme of Government: हर गवर्मेन्ट कर्मचारी का सपना होगा पूरा अब मिलेगा ₹2.67 लाख तक सब्सिडी – जानिए कैसे

Home Loan Scheme of Government, ज़्यादातर लोगों के लिए घर खरीदना उनके सबसे महत्वपूर्ण वित्तीय फ़ैसलों में से एक होता है, ख़ास तौर पर भारत जैसे देश में जहाँ घर का स्वामित्व सफलता और सुरक्षा का प्रतीक माना जाता है। हालाँकि, रियल एस्टेट की बढ़ती कीमतों के कारण हर कोई बाहरी सहायता के बिना घर नहीं खरीद सकता। यहीं पर भारत सरकार की होम लोन योजनाएँ बहुत काम आती हैं। ये कार्यक्रम मध्यम वर्गीय परिवारों, निम्न आय वर्ग (LIG) और आर्थिक रूप से वंचित समूहों (EWS) पर ध्यान केंद्रित करते हुए आवास को सस्ता और सभी के लिए उपलब्ध बनाने का प्रयास करते हैं। यह विस्तृत मार्गदर्शिका संघीय और राज्य सरकारों द्वारा पेश किए जाने वाले होम लोन कार्यक्रमों की एक विस्तृत श्रृंखला को कवर करेगी, साथ ही पात्रता आवश्यकताओं, लाभों, आवेदन प्रक्रियाओं और बहुत कुछ के बारे में भी बताएगी।

What is a Government Home Loan Scheme(सरकारी गृह ऋण योजना क्या है)?

A government-initiated financial program known as a “government home loan scheme” gives people and families access to loans with low interest rates, convenient repayment plans, and extra financial assistance so they can purchase, construct, or remodel their homes.

These programs are particularly advantageous for:

• First-time purchasers of real estate
• Groups with low and moderate incomes
• People residing in makeshift shelters or urban slums
• Senior citizens and women
• Households in rural and urban areas

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Objectives of Government Housing Schemes (उद्देश्य)

• शहरी और ग्रामीण दोनों क्षेत्रों में गरीबों के लिए आवास की सुलभता को बढ़ावा देना सभी के लिए किफायती आवास का लक्ष्य है।
• गृह स्वामित्व को प्रोत्साहित करें: व्यक्तियों को अपना घर खरीदने या बनाने के लिए प्रोत्साहित करने के लिए वित्तीय सहायता प्रदान करना।
• झुग्गी पुनर्विकास: झुग्गी निवासियों के जीवन स्तर को बेहतर बनाना।
• महिला सशक्तिकरण: सह-स्वामित्व कानूनों को लागू करके महिला गृह स्वामित्व को प्रोत्साहित करें जो या तो आवश्यक हैं या प्रोत्साहित किए जाते हैं।
• शहरी विकास: समावेशी, सुव्यवस्थित शहरी विकास को बढ़ावा दें।

List of Government Home Loan Schemes in India (सूची)

Let’s examine the most well-known government home loan programs that are accessible:

Pradhan Mantri Awas Yojana (PMAY) – Urban and Rural

Launched: 2015
Administered by: Ministry of Housing and Urban Affairs (Mohua)
Mission Goal: “Housing for All by 2022” (extended till 2025)

Key Components:

• Slum Redevelopment in situ
• Scheme for Credit-Linked Subsidies (CLSS)
• Partnership for Affordable Housing (AHP)
• Beneficiary-Led Individual Home Improvement/Building (BLC)

PMAY Urban vs Rural:

Feature	PMAY Urban	PMAY Gramin
Target Area	Urban & Semi-Urban Areas	Rural Areas
Beneficiary Categories	EWS, LIG, MIG-I, MIG-II	BPL, EWS, SC/ST, OBC, Minorities
Ownership Requirement	Women ownership encouraged	Female ownership preferred
Max Subsidy	₹2.67 lakh	₹1.2 lakh (Avg. assistance)

Subsidy Benefits (CLSS):

Income Group	Annual Income	Interest Subsidy	Loan Cap for Subsidy	Max Subsidy
EWS	Up to ₹3 lakh	6.5%	₹6 lakh	₹2.67 lakh
LIG	₹3 – ₹6 lakh	6.5%	₹6 lakh	₹2.67 lakh
MIG-I	₹6 – ₹12 lakh	4%	₹9 lakh	₹2.35 lakh
MIG-II	₹12 – ₹18 lakh	3%	₹12 lakh	₹2.30 lakh

Eligibility Criteria:

• No pucca house in India may be owned by the applicant or any family members.
• An Aadhaar number is required.
• Minorities, women, and those with disabilities are given preference.

Application Process:

• Check out https://pmaymis.gov.in.
• Select the “Citizen Assessment” option.
• Choose the relevant category (EWS, LIG, or MIG).
• Complete the application and turn it in online or at the Common Service Centre (CSC) that is closest to you.
• Select a lender to submit a home loan application to.

Credit Linked Subsidy Scheme (CLSS) – Under PMAY

The foundation of PMAY’s loan-based housing program is the CLSS. It enables qualified homebuyers to get housing loan interest subsidies.

Notable Features:

• The borrower’s loan account receives a direct credit for the interest subsidy.
• There is a significant decrease in the net EMI burden.
• Applicable to both the acquisition and building of a new home, as well as the addition or renovation of an existing residence.

DDA Housing Scheme – Delhi

• The Delhi Development Authority launched it.
• Women, Senior Citizens, SC/ST, and the general public are the target groups.

Features:

• Inexpensive apartments are spread around Delhi
• A system of allocation based on a lottery
• Partnering with large banks to handle loans
• DDA initiatives can be used in conjunction with PMAY home loans.

How to Apply:

• Go to the DDA website.
• Enrol in the program when it is announced.
• Pay the registration cost and submit your application online.

MHADA Housing Scheme – Maharashtra

The Maharashtra Housing and Area Development Authority (MHADA) is in charge of organising it.

Benefits:

• Housing subsidies for categories such as EWS, LIG, MIG, and HIG
• Open lottery system
• Special units for applicants who are women, SC/ST, or disabled

State-Level Housing Finance Schemes

To encourage regional housing development, the majority of Indian states have their own housing boards and house lending programs. Here are a few instances:

Tamil Nadu Housing Board (TNHB):

• Houses with affordable prices
• EMI-based LIG and MIG purchasing possibilities

West Bengal Housing Board:

• Provides apartments and residential sites.
• Support for financing via collaborations with banks

Assam State Housing Board:

• NE states are the focus.
• Tribal and tea garden workers might receive home loans with reduced interest rates.

Top Public Banks & NBFCS Offering Government-Supported Home Loans

For PMAY and other housing programs, the government collaborates with the majority of nationalised banks and a few NBFCS (Non-Banking Financial Companies).

Bank/Institution	Scheme Participation	Special Benefits
State Bank of India	PMAY, CLSS	0 Processing Fee, Priority sanction
HDFC Ltd	PMAY	Digital application, fast approval
Bank of Baroda	PMAY + In-house plans	Low interest, online eligibility check
Canara Bank	PMAY	Women-friendly loan terms
ICICI Bank	PMAY	Income-based customized plans

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Common Documents Required (सामान्य आवश्यक दस्तावेज़)

किसी भी सरकारी आवास ऋण कार्यक्रम के लिए आवेदन करने हेतु सामान्यतः निम्नलिखित कागजी कार्रवाई की आवश्यकता होती है:

• आधार कार्ड (अनिवार्य)
• पैन कार्ड
• वोटर आईडी या पासपोर्ट (पता प्रमाण)
• नवीनतम वेतन पर्ची या आय प्रमाण पत्र
• आईटी रिटर्न (पिछले 2 साल)
• बैंक स्टेटमेंट (पिछले 6 महीने)
• संपत्ति के दस्तावेज (बिक्री विलेख, बिल्डर एग्रीमेंट)
• पासपोर्ट आकार की तस्वीरें
• पहली बार घर खरीदने वाले व्यक्ति के लिए शपथ पत्र

Key Benefits of Government Home Loan Schemes (प्रमुख लाभ)

Let’s examine why these programs are regarded as revolutionary for the housing industry in India:

Interest Subsidy

• Repayment of your house loan can be lowered by up to ₹2.67 lakh.
• Enables low-income families to afford EMIS.

Lower EMIs

The actual debt burden is decreased when subsidies are used.

Women Ownership Incentives

• The majority of schemes demand or promote female ownership.
• Enhances family security and empowers women.

Construction and Renovation Support

• Numerous programs encourage self-construction, house remodeling, or enlargement.

Inclusive Development

• Includes semi-urban, urban, and rural areas.

Limitations and Challenges (सीमाएँ और चुनौतियाँ)

हालाँकि सरकारी गृह ऋण कार्यक्रमों के कई लाभ हैं, लेकिन कुछ संभावित नुकसान निम्नलिखित हैं:

• पात्रता आवश्यकताएँ: स्वामित्व, संपत्ति और आय के संबंध में सख्त सीमाएँ लागू हैं।
• विलंबित सब्सिडी: बैंक खातों में सरकारी प्रक्रिया को दर्शाने में कुछ समय लग सकता है।
• सीमित जागरूकता: बहुत से लोग इन कार्यक्रमों के बारे में या उनके लिए साइन अप करने के तरीके के बारे में नहीं जानते हैं।
• एक बार का लाभ: अधिकांश सब्सिडी जीवनकाल में केवल एक बार दी जाती है।

How to Apply for Government Home Loan Scheme: Step-by-Step (आवेदन करें)

Here is a straightforward seven-step application guide:

• Verify Eligibility: Verify ownership status and use income calculators.
• Collect paperwork: Get your property, income, and identity paperwork ready.
• Select a Participating Bank: Speak with a bank that has partnered on housing or PMAY programs.
• Go to the PMAY Portal: Check out https://pmaymis.gov.in for central schemes.
• Fill out the application online or in a bank or CSC location.
• Loan Sanction & Disbursement: The bank disburses the loan after it has been approved.
• Subsidy Credit: Direct interest subsidy credit is given to qualified borrowers.

Tax Benefits on Home Loans (Under Government Schemes)

Government-backed home loans also qualify for income tax deductions:

Section	Benefit Type	Deduction Limit
80C	Principal Repayment	Up to ₹1.5 lakh
24(b)	Interest Paid on Home Loan	Up to ₹2 lakh
80EEA	First-Time Buyers (Affordable Homes)	Up to ₹1.5 lakh

2025 Updates on Home Loan Schemes (2025 अपडेट)

• PMAY विस्तार: दिसंबर 2025 तक प्रधानमंत्री आवास योजना-शहरी को बढ़ा दिया गया है।
• अभी तक PMAY के तहत 1.2 करोड़ से ज़्यादा घरों को मंज़ूरी दी जा चुकी है।
• भविष्य की पहलों में हरित, टिकाऊ आवास पर ज़्यादा ध्यान दिया जाएगा।
• मंज़ूरी में तेज़ी लाने के लिए अब सभी प्रस्तावों को डिजिटल आवेदन प्रक्रिया का इस्तेमाल करना ज़रूरी है।

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Conclusion

सस्ते आवास के बारे में भारत का नज़रिया सरकार के गृह ऋण कार्यक्रमों के परिणामस्वरूप विकसित हुआ है। वे वित्तीय सहायता के अलावा किसी के जीवन की गुणवत्ता को बढ़ाने के अवसर प्रदान करते हैं। इन योजनाओं में आपके घर के स्वामित्व के सपने को वास्तविकता में बदलने की क्षमता है, भले ही आपको लगता हो कि यह अप्राप्य है।

Faq’s

Q. Can I receive state housing assistance in addition to a PMAY subsidy?

Ans: Subsidies typically don’t overlap. Each property may only receive one government subsidy.

Q. How long does it take to receive credit for the subsidy?

Ans: Typically, three to six months following loan issuance.

Q. Is it possible to apply online without going to a bank?

Ans: Indeed. Applications for PMAY can be made online. Bank visits can still be required for loan formalities.

Q. Is Aadhaar required?

Ans: Yes, all government housing programs require Aadhaar.

Q. Is there a program designed especially for older adults or women?

Ans: Numerous state and federal programs encourage or require women’s co-ownership. Many programs also give senior citizens preferential allocation.

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