प्रधानमंत्री आवास योजना Prime Minister Awas Yojana (PMAY)
माननीय प्रधानमंत्री ने राष्ट्र की स्वतंत्रता के 75 वर्ष पूर्ण हो जाने पर वर्ष 2022 तक सभी के लिए आवास की परिकल्पना की है। इस उद्येश्य की प्राप्ति के लिए केन्द्र सरकार ने एंक व्यापक मिशन "2022 तक सबके लिए आवास" शुरू किया है। 25 जून 2015 को प्रधानमंत्री श्री नरेन्द्र मोदी ने इस बहुप्रतीक्षित योजना को प्रधानमंत्री आवास योजना के नाम से प्रारम्भ किया है।
Hon’ble Prime Minister envisioned housing for All by 2022 when the Nation completes 75 years of its Independence. In order to achieve this objective, Central Government has launched a comprehensive mission “Housing for All by 2022”. This much awaited scheme has been launched by the Prime Minister of India, Sh. Narendra Modi on 25th June, 2015 as Pradhan Mantri Awas Yojana.
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Thursday, September 24, 2015

List of Documents Required For Home Loan

List of the Documents Required For Home Loan

According to Indian Bank's Association following documents are required to get the Home Loan. You can find the Documents Submission Form by following the below address: [http://www.iba.org.in/Documents/List_of_Documents_for_submission.pdf]

As per Credit Linked Subsidy SchemeBeneficiaries of Economically Weaker section (EWS) and Low Income Group (LIG) seeking housing loans from Banks, Housing Finance Companies and other such institutions would be eligible for an interest subsidy at the rate of 6.5 % for a tenure of 15 years or during tenure of loan whichever is lower. The Net Present Value (NPV) of the interest subsidy will be calculated at a discount rate of 9 %.

The credit linked subsidy will be available only for loan amounts upto Rs 6 lakhs and additional loans beyond Rs. 6 lakhs, if any, will be at non-subsidized rate. Interest subsidy will be credited upfront to the loan account of beneficiaries through lending institutions resulting in reduced effective housing loan and Equated Monthly Installment (EMI).

Credit linked subsidy would be available for housing loans availed for new construction and addition of rooms, kitchen, toilet etc. to existing dwellings as incremental housing. The carpet area of houses being constructed under this component of the mission should be upto 30 square metres and 60 square metres for EWS and LIG, respectively in order to avail of this credit linked subsidy. The beneficiary, at his/her discretion, can build a house of larger area but interest subvention would be limited to first Rs. 6 lakh only.

Here are the List of the documents:
  1. Application Form dully filled in
  2. Self-Affidavit Income Certificate (only if the income is below taxable limit)
  3. Unique Identification - PAN Card / Aadhar No. / Voter's Card/ Driving License/ MNREGA No./ Any Other Number or A Certificate of house ownership from Revenue Authority of Beneficiary's Native District, etc.
  4. Nationality Identification Proof
  5. Proof of category (belonging to SC/ST/OBC/Minority etc.)
  6. Copy of Address Proof
  7. Income Proof - Original Salary Slip/ Salary Certificate/ Other income.
  8. Latest I.T. Return/ I.T. assessment Order/Form No. 16 if applicable
  9. Statement of Bank Accounts - last 6 months
  10. A brief note on the nature of business/ activity/ self-drawn attested financial statement/ business license in case of self-employed.
  11. Valuation certificate from the approved Valuer, if not valued earlier.
  12. The approved plan of Construction.
  13. Architects/Engineers Certificate confirming cost of construction/ cost of  repairs/ Cost of improvements/ cost of Extension.
  14. Architects Certificate confirming expected life, fitness and future of Flat/ House in case of purchase.
  15. Agreement for construction with Builder/ Developer
  16. NOC from Housing Society/ Competent Authority
  17. Affidavit-cum-Undertaking to the effect that the construction is in an authorized area, construction is strictly as per sanctioned plan/ building bye-laws, loan is being availed for acquiring plot/ house/ flat for residential purpose only.
  18. Receipt of advance payment made to builder/ seller. If any
  19. Affidavit from the beneficiary that either he/ she or any of the family members do not own a pucca house (all weather dwelling unit) in any part of India.
  20. Letter of Allotment of Property (where property is proposed to be purchased from builder/ housing boards, etc)/OR Agreement to Sale (where resale property is proposed to be purchased), Titile deeds/ Lease Deed/ Mutation in respect of pre-owned property, which is to be extended.

65 comments:

  1. ye yojan gareevo ke liye hai lekin mage gaye doccuments gareevo ke nahi.
    lehaja in per punarvichar karne ki jarurat hai

    ReplyDelete
    Replies
    1. YE TO YOJANA BHUT HI LONG HAI KYA KARE SARKAR KE

      Delete
    2. Sir I am unemployed person having a family consisting two school going children about 12 and 13 years of age, my illerate wife having no knowledge of worldly life and our family income is zero. It is to be mentioned herein that I was an enployee in a Central Government Organisation since ftom 1990 as a temporary employee and my services has been terminated w.e.f. 01.12.2015 without affording any financial benefit after retenchment. For survival of existence of myself and my own family, I have surrenders several Life Insurance Policy of India and have received only surrender values. At present, no savings is available to my bank account. Considering the above mentioned pathytic condition as stated, now question is whether can I get the subsidies to making our dewlling house under the Pradhan Mantri Abus Jojana? I am waiting for a suitable reply before to take any final decision especially in my life.

      Delete
    3. Respected Sir,

      Ye yojna jab gareeb family ke liye hai, to etne saare document gareeb aadmi kaha se layega, bhrashtachar etna hai ki ye document collect karne me use kai kharche krne padenge, or rishwat bhi deni pad sakti hai.

      Delete
    4. बिलकुल आप लोगों ने सही बात कहीँ हैं मैंने भी आय जाति के लिये आवेदन किया था मगर आज तक नहीं बना हर बार निरस्त कर देता हैं पटवारी।

      Delete
    5. बिलकुल आप लोगों ने सही बात कहीँ हैं मैंने भी आय जाति के लिये आवेदन किया था मगर आज तक नहीं बना हर बार निरस्त कर देता हैं पटवारी।

      Delete
    6. isme bola gaya hai ki ghar ki mahila k naam par hona cahiye. par aap log hi bataye ki mahila k pass income certificate kaha se ayga. and affidabit kaha se banwaye. ab iske liye caste aur address certificate bhi badi muskil se banega..gareebo ne sune bhi ni honge in documents k baare me.

      Delete
  2. ye documents jo demand kar rahe hai ye sabhi city limit me aate hai jahapar makan ya flat ki kimte aasmaan choo rahi hai.... jidhar apna budget hi nahi hai lene ka

    ReplyDelete
  3. YAH SABHI DOCUMENTS TO GARIBOKE PAS HOTE HI NAHI GARIBO KE PAS TO SIRF ID PROOF RATION CARD ELECTION CARD AADHAR CARD GRAM KA RAHIWASI YAHI DOCUNENS HOTE HAI AGAR INKE ALAWA AURBHI DOCUMENTS MANGE GAI TO YAH YOJANA GARIBOKI NAI HAI BALKI AMIROKI RAI

    ReplyDelete
    Replies
    1. भाई सही बात कही आपने ये योजना तो अमीरो के लिए है
      अगर इनकम टैक्स भरेगा तो वो गरीब नहीं हो सकता

      Delete
    2. योजना का लाभ अमीरो को मिलेगा

      Delete
    3. जितनी भी झोपड़पट्टी है उन सब को घर बांध कर दिया जाए और मार्केट एरिया में जितने भी घर है वो कच्चे भी है तो उनकी कीमत करोडो में है ऐसे घर बाधकर क्या फ़ायदा?

      Delete
    4. ARE WO INCOME TAX RETURN COMPLSARY NAHI AGER AP APPLICABLE HO TO DEDO(IF APPLICABLE)

      Delete
  4. YAH SABHI DOCUMENTS TO GARIBOKE PAS HOTE HI NAHI GARIBO KE PAS TO SIRF ID PROOF RATION CARD ELECTION CARD AADHAR CARD GRAM KA RAHIWASI YAHI DOCUNENS HOTE HAI AGAR INKE ALAWA AURBHI DOCUMENTS MANGE GAI TO YAH YOJANA GARIBOKI NAI HAI BALKI AMIROKI RAI

    ReplyDelete
  5. यह योजना बहोत अच्छी हे लेकिन जो गरीब इसका हकदार हे उस गरीब की तरफ सरकार को नजर फैलाने की जरुरत है

    ReplyDelete
  6. यह योजना बहोत अच्छी हे लेकिन जो गरीब इसका हकदार हे उस गरीब की तरफ सरकार को नजर फैलाने की जरुरत है

    ReplyDelete
  7. Instead of this contruct some govt. colonies and sell at the lowest rate and sell to those people only who are actually in need of the house, verify them properly and than allot it. And who knows that the staff who is handling this procedure they will work as a committed staff or not because in local market people advise us to go to an agent to get the benefit of this yojna who is . Please answer us how it is benefited to an ordinary middle class indian?

    ReplyDelete
  8. Iske badle aisa kuchh government colony banaye jisme sirk un logo ko becha jaaye jinke pass apna ghar nahi hai jo rent pe rehte hai aur vo bhi pura verification karne ke baad, aur kya pata jo ye yojna ke staff hai vo apni puri imandari se ye karenge ya nahi kyunki local market mein to log hamein agent ke through hi jaane ko bolti hai to uska bhi alag se charge leta hai. Pata nahi ek middle class class indian ye yojna ka benefit le payenge ya nahi.

    ReplyDelete
  9. hum garibo tak iska labh nahi pahuchta h p.m.sir

    ReplyDelete
  10. BINA PURE DOCUMENT K GARIB FAYDA UTHA SAKTA HAI YA NAHI??????????? ISKA ANSWER PLZZZZZZZZ?????????????

    ReplyDelete
  11. Garib log ye document nahi laa saktte agar lane gaye to bhi loan kaa pura paisa risvat batne me chala jaayega. ....... kuch sochye sir....

    ReplyDelete
  12. na to ek paisa kabhi khaya hai
    na ek paisa kabhi khayenge
    mr pradhanmantri ji to makaan banakar vaapus aayenge.

    ReplyDelete
  13. ek garib aadmi hi desh ka bhavishya badal sakta hai vo hai modi ji .
    say sallam india. i like modi and you............................................................................................................................................................... answer de.

    ReplyDelete
    Replies
    1. Ek gareev admi hi bhavishya badal sakta h to modi g ne ye greevo ke sath ye requerd document ki kyu rkhi h is ko pura krne me to or greev ho jayega .modi g greevo nhi amero ko dena chahte is yojana ka labh.

      Delete
  14. jinka rent per ghar hai or road per rehte he unke pas ye sab document kaha se ayenge..ye to sochiye

    ReplyDelete
  15. jinka rent per ghar hai or road per rehte he unke pas ye sab document kaha se ayenge..ye to sochiye

    ReplyDelete
  16. Government office me kuch log sirf low cast walo ko hi amir banana chahti h..sab k pas property h. Lekin gaon mm h. City me kon ane ko kaha tha. City me ane k baad hi jarurat badhti hai,gaon me jarurat kam aur kharcha b kam hota hai,sabko muft ki roti chahiye,kheti karna kathin h isliye factory me job dhundate hai.badme bolte h yaha hamare pas ghar nahi aur government kam nahi karti.galat vichar insaan ko kahi aur hi pahucha deta h..isliye sab log apne gaon me chale jaye. Vaha kuch kheti kijiye ghar me hi ugao aur ghar me hi khao..government ko mangoge tab tak ap budhe ho jaoge,karja leke jindagi jiyoge.marre wakt karja chukake maroge..jay hind

    ReplyDelete
    Replies
    1. हा भाई आपकी बात सही है पर जिसके पास जमीन न हो तो खेती कहॉं करेगा शहर मे ही जाकर कुछ काम करके घर चलायेगा और उसके पास कोई रास्ता नही है

      Delete
  17. Main apna 1st floor Jo incomplete gain usko complete karwana chahtein hai. Iske liye yeh loan milegi?

    ReplyDelete
  18. Main apna 1st floor Jo incomplete gain usko complete karwana chahtein hai. Iske liye yeh loan milegi?

    ReplyDelete
  19. Ek garib salary slip kaha se layega Majdur pan card kaha de layega mere ko dhalai nahi ho payi hai mere mama baap kacche makan me rehte haipradhan mantra Ji garibo ka document garibo me jaisa hi rakhiye

    ReplyDelete
  20. Ek garib salary slip kaha se layega Majdur pan card kaha de layega mere ko dhalai nahi ho payi hai mere mama baap kacche makan me rehte haipradhan mantra Ji garibo ka document garibo me jaisa hi rakhiye

    ReplyDelete
  21. Ye sab documents government ne maange hai ameer ko aur ameer banane ko

    ReplyDelete
  22. me is yojna ka labh kise otha skta hu .or kaha par contact krna hoga ..plz reply
    my mail id is ckarya4@gmail.com

    ReplyDelete
  23. Dear sir right all but I think about this in vadtav m gareeb h wo kabhi kisi yojna ka labh nhi utha pata.na koi uthana deta ab ek aamaadmi kmane wala khase ye sab doc laye

    ReplyDelete
  24. Dear sir right all but I think about this in vadtav m gareeb h wo kabhi kisi yojna ka labh nhi utha pata.na koi uthana deta ab ek aamaadmi kmane wala khase ye sab doc laye

    ReplyDelete
  25. भाई सही बात कही आपने ये योजना तो अमीरो के लिए है
    अगर इनकम टैक्स भरेगा तो वो गरीब नहीं हो सकता


    ReplyDelete
  26. भाई सही बात कही आपने ये योजना तो अमीरो के लिए है
    अगर इनकम टैक्स भरेगा तो वो गरीब नहीं हो सकता

    ReplyDelete
  27. ye sab docement collect karne ke liye total bajet 50,000 pachas hjar aata hai i hone degeor bank ne denese inkar kar diya to hamari vat lag jayegi
    or isame corructed logo ko sabhalna padta hai nahi to hame labh nah

    ReplyDelete
  28. some one please guide where to submit form
    and how

    ReplyDelete
  29. ye sb bekar ki baat h garib ki ghar to nhi lekin sarkari admiyo ki tijori jarur bhar jaigi
    ek garib inshan kha se ti barega
    uske pass kha se pan card hoga ,
    baki chijo ke liye pese kha se laiga
    agr kisi garib ko hi ghar dene h to koi achchha sa tarika nikalo jissi sb ko phayada ho sake kam se kam garibo ko sadko or kiraye se to rahat mile plsss ans jarur de salinanaaz7@gmail.com

    ReplyDelete
  30. ham garib log hai, jo doucument mange gaye hai wo dena immpossible hai....kuch desara tarika dhundana padega....!!!

    ReplyDelete
  31. ham garib log hai, jo doucument mange gaye hai wo dena immpossible hai....kuch desara tarika dhundana padega....!!!

    ReplyDelete
  32. Bilkul sahi bat hai,ye yojna kiske liye h amiro ke liye ya greebo ke liye,itne sare documents kha hote h greebo ke pas,unhe to pta b ni hoga ki kaun kaun se documents lgne h,sarkari daftaro ke chakkr he ktne me lg jyege itne din pta krte krte,aur phir AGR ye sb documents chye to greebo ke liye ek Kendra khulwa diya jye ,jisse unki mhnat ki kamai Hui punji bekr na jye,aur jna unke ye safe documents free me bn jye tb,to hme lgega ki si me ye yojna greebo ke liye h..

    ReplyDelete
  33. BHAI SB LOG SAHI BOL RHE HO YE JO SARKAR HAI YE GARIBO K LIYE KUCH NI KRTI HAI SIRF AMEERO KO OR AMEER BNATI HAI. YHI ISKA KAM HAI. GARIBO KI KHON SUNTA HI HAI.

    ReplyDelete
  34. Sorry to say...but Esi Schemes Ka advantage wo log le jate hai ...jinke already 2-3 Houses hote hai

    ReplyDelete
    Replies
    1. न नौ मन तेल होगा न राधा नाचेगी

      Delete
  35. Mujko lagta hai this is another way to profit rich man's, pm sir in my area the agents are there who are saying give them 80000 rs and they I'll make all the documents and with this I think so that mostly the rich man I'll take advantage of this scheme

    ReplyDelete
  36. यह योजना गरीबों के बजाए अमीरों के लिए है क्योंकि माँगे गये प्रपत्र अमीरों के पास पाये जाते हैं न कि गरीबों के पास ।इससे स्पष्ट होता है कि योजना निर्माता या तो प्रधानमंत्री योजना को ठिकाने लगा रहे हैं अथवा गरीबों को छल रहे हैं ।

    ReplyDelete
  37. YE SARKAR GARIBO SE VOTE LETI HAI AUR AMIRO KO NOTE DETI HAI
    VIJAY MALYA JESHO KO KARODO KA LONE PAR JAHA GARIB AADMI KI BAAT AAYE WAHA SALA ITNE DOCUMENT KI DOCUMET BANANE ME 1 LAKH RUPYE LAG JATE HAI

    BEKAR KI SARKAR HAI AUR BEKAR HAI HUM SUB JI INNKO VOTE DETE HAI

    ReplyDelete
  38. P m sahab
    aap hakikat main garibi hata rahe Ho.ya garibo ko sunehera khab dikha rahe ho.

    ReplyDelete
  39. Chahe Congress aaye ya phir BJP ya koi bhi garibon ki help koi party nahi kar sakti kyunki garibon ki help karne se inko kya milega kam se kam amiron ki help karne se inko gift milenge party milegi garib bechara pehle hi pareshan hai

    ReplyDelete
  40. Loin ke naam pr isa majak karte he.
    Nhi chahiye

    ReplyDelete
  41. pm shahab hum to etna prof dekhe v nhi hi to degen kahan se ek prof banane jao to rs 2000×20=40000 etna avi hamare pass rahta to jio ka sim nahi chalate sabk6 free call net sms etc

    ReplyDelete
  42. Etne sare document me kaha se lavu kam kru ya documents k liye kachhari k chakker lagavu
    Ye bate chochiye

    ReplyDelete
  43. Garibo ki yojnaa h.
    Lekin ye document to jyadatr amir hi le as paaynge garib nhi.
    Bilkul sahi baat h.

    ReplyDelete
  44. Respected our P.M
    Sir my name is raghav mishra i m the student of 12th s.t.d state maharashtra,district palghar 401209.
    Sir hum aapke vicharon ko dhyan me rakhte hue aapko ek baat batana chahte h,sir aap jo ye scheme nikal rahe ho that is good for we but sir u can't think about that people who are unemployed sir aap loan de rahe 6.5%home loan sir agar people employed hi nahi h vo kahan se loan bharenge,sir pehle aap jobs provide karo,sir sab ki chhoro meri hi apni kahani soon lo sir as i told u that i m student hume kahi job nahi milti offer toh bohot aatey h bcz of fake job provider are in our country aap itna bharo after that u gain profit sir hum jaaye to jaaye kahan sir hum students ke liye bhi kuch karo.
    Sir as we are a students sir hume jaldi koi offices me bhi nahi rakhta job ke liye bcz they say that boy you under 18 you can't do job i mean what is this we have the talent that's why we are here to get job my family is are of 5 member they earn monthly 10000 in that only my brother school fees,sister fees.
    I want to say that ki sir aap hum jese student ke liye bhi kuch karo part time job ya etc..
    Thank you sir ye mera contact no h 8796501474 agar humne kuch galat kaha ho to kripya karke hume rply de
    Aapke desh ka nagrik raghav mishra

    ReplyDelete
  45. Point hai....agar ye sb collect krna ho to, collect krne ke liye bhi garib ke pass time or paisa kha se ayga...

    ReplyDelete
  46. En documents me sa kuch too ashe documents hai jinke
    Bare me garib aadmi janta bhi nahi
    his. Sir ji

    ReplyDelete
  47. that is right i am also disappoint to govt. because i am also student but i can't job . sir i request to please provide job to all

    ReplyDelete
  48. ye sikkim kisiko mili hai
    ??????????????????????

    ReplyDelete
  49. This sceam are not open market so curreption will done

    ReplyDelete
  50. Bhailog documents ka list se to lag raha h ye yojna Amiro ke liye h...

    ReplyDelete
  51. Sir me is yojna ka Labh Lena chahta hu Janki m single hu or meri Mata g ki age 60 years h or meri age 30 h to kya mujhe subsity mil Sakti h pls bataye.
    Thanks

    ReplyDelete