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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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Loan For Houses To Poor And Lower Middle Class

Loan For Houses To Poor And Lower Middle Class 

GOVERNMENT OF INDIA
MINISTRY OF  HOUSING AND URBAN POVERTY ALLEVIATION
RAJYA SABHA
UNSTARRED QUESTION NO  208                                               ANSWERED ON  25.02.2016

Loan for houses to poor and lower middle class

Shri C.M. Ramesh
Will the Minister of HOUSING AND URBAN POVERTY ALLEVIATION be pleased to satate :-
Will the Minister of HOUSING AND URBAN POVERTY ALLEVIATION be pleased to state:

(a) whether loan for houses to poor and lower middle class has come down from 34 per cent in 2011-12 to 26 per cent in 2013-14;
(b) how can we achieve the goal of House for All by 2022 at this pace;
(c) the reasons for such a slide in providing loan upto Rs. 2 lakhs, Rs. 5 lakhs and Rs. 10 lakhs;
(d) the details of banks and financial institutions such as Housing Finance Corporation which have failed to provide loans as per the target; and
(e) the action taken against such institutions?

ANSWER

   
THE MINISTER OF STATE IN THE MINISTRY OF HOUSING AND URBAN POVERTY ALLEVIATION
(SHRI BABUL SUPRIYO)

(a): Department of Financial Services has reported that as per information available with National Housing Bank (NHB), the share of loan amount outstanding of the Public Sector Banks (PSBs) and Housing Finance Companies (HFCs) in the slab upto Rs. 10 lakh segment has come down from 34% in 2011-12 to about 26% in 2013-14.

(b): ‘Housing’ is a State subject and it is the responsibility of the State Government to provide houses to the people. Government of India through its schemes assists the State Government in addressing their housing shortage and has launched “Pradhan Mantri Awas Yojana (PMAY) - Housing for All (HFA) (Urban)” mission on 25th June, 2015. The mission provides central assistance to States/UTs for providing housing to all eligible families/beneficiaries among the urban poor and envisages In-situ slum redevelopment, promotion of affordable housing for weaker section through credit linked subsidy, affordable housing in partnership, and subsidy for beneficiary-led individual house construction or enhancement. 

(c): Department of Financial Services has informed that due to certain limitations being faced by Primary Lending Institutions (PLIs) such as irregular individual income, absence of income proof documents, difficulty in obtaining clear title/security of tenure, delayed/non-availability of approved layout plan of the property, higher Non-Performing Assets (NPAs) etc., the lending institutions are cautious in lending to these segments. Further, the cost of housing has also increased over a period of time on account of inflation.

(d) & (e): Department of Financial Services has informed that Banks and HFCs are providing housing loans to the needy customers based on their due diligence and approved policies and procedures, in accordance with the regulatory framework prescribed in this regard. To encourage banks to lend more towards this segment, Reserve Bank of India (RBI) has included such loans under the Priority Sector Lending (PSL) norms. RBI and NHB have also prescribed higher Loan to Value Ratio (LTV) and lower risk weights for such housing loans extended by Banks and HFCs, respectively. 
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Source : Rajyasabha

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