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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Tuesday, March 14, 2017

Amendments Approved in PMAY(Urban) - Housing For All Guidelines

Government of India approved amendments in Pradhan Mantri Awas Yojana (Urban)- Housing For All Mission Guidelines vide Ministry of Housing & Urban Poverty Alleviation letter No. I-11016/15/2016-HFA-4(eoffice no. 3017120) dated 11 March, 2017.  Here is the approved amendment in PMAY (Urban) - Housing For All guidelines: (For official notification issued by the government please see the end of the post) :

AMENDMENTS APPROVED IN PRADHAN MANTRI AWAS YOJANA (URBAN) – HOUSING FOR ALL MISSION GUIDELINES
Para Number Existing Paragraph/sub-paragraph Amended Paragraph/sub-paragraph
5.1 Beneficiaries 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 %. Beneficiaries 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 20 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 %.
15.5 In lieu of the processing fee for housing loan for the borrower under the scheme, PLIs will be given a lump sum amount of Rs. 1000 per sanctioned application. PLIs will not take any processing charge from the beneficiary. In lieu of the processing fee for housing loan for the borrower under the scheme, PLIs will be given a lump sum amount of Rs. 3,000/- (Rupees Three Thousand only) per sanctioned application. PLIs will not take any processing charge from the beneficiary for housing loans upto Rs. 6 lakh under the Scheme. For additional loan amounts beyond Rs. 6 lakh, PLIs can charge the normal processing fee.
5.12 In line 4, For: the text “PLIs should take NOCs quarterly from State /UT Government or designated agency of State / UT Governments for the list of beneficiaries being given benefits under credit linked subsidy”. Read : “PLIs should take NOCs quarterly from State /UT Government or designated agency of State / UT Governments for the list of EWS beneficiaries being given benefits under credit linked subsidy”.
5.13 -- Primary Lending Institutions, in the home loan applications, shall disclose transparently the Scheme eligibility and ascertain willingness and eligibility of applicants under CLSS for EWS/LIG.
PMAY (Urban) guidelines For: ‘CLSS’, wherever it occurs in the scheme guidelines, MoUs and related documents Read: ‘CLSS for EWS/LIG’ , wherever it occurs in the scheme guidelines, MoUs and related documents
Definitions Primary Lending Institutions (PLI) : Scheduled Commercial Banks, Housing Finance Companies, Regional Rural Banks (RRBs), State Cooperative Banks, Urban Cooperative Banks or any other institutions as may be identified by the Ministry. Primary Lending Institutions (PLI): Scheduled Commercial Banks, Housing Finance Companies, Regional Rural Banks (RRBs), State Cooperative Banks, Urban Cooperative Banks, Small Finance Banks, Non Banking Financial Company-Micro Finance Institutions’ (NBFC-MFIs) or any other institutions as may be identified by the Ministry.

Here is the official notification :
amendment+order+in+PMAY+Urban+Guidelines+1

amendment+order+in+PMAY+Urban+Guidelines+2
Source:
[http://mhupa.gov.in/writereaddata/CLSS-EWSLIG-Amendments$2017Mar11182909.pdf]


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