Pradhan Mantri Awas Yojana Uttar Pradesh - PMAY New List, Online Apply

Achievements Of Housing For Urban People Using The Pradhan Mantri Awas Yojana Scheme

Many people in India do not have a house to live in, and many houses got demolished due to floods, natural disasters, and other reasons. So the urban areas and the people whose family background is backward will get the chance to get the new house. The Government of Uttar Pradesh is taking the necessary steps to avoid families without houses. The housing for the people will be of good quality, and also the Government is combining with the central Government to provide the best housing scheme. Thus the central Government has requested the HUDCO for a loan of thousand crores for this Pradhan Mantri Awas Yojana Uttar Pradesh scheme to run.

Features of this PMAY scheme

The repayment of home loans as EMI will consist of a subsidy of the money as the interest that needs to pay. This provides good financial support for lower-class families to live a happy and decent life. The interest rate for the home loans will be around 6.5 percent, with the tenures of the loans up to twenty years. The interest subsidy for the loans you are getting will vary according to the income slab. The construction of the houses in this scheme will be in a durable and also eco-friendly manner. Mostly the senior citizens and the handicapped people will get the house on the ground floor for convenience.

Eligibility for the PMAY scheme

You will find that the loan of six lakh and below will get a six percent subsidy. In the case of the people who have up to twelve lakh income will get the interest rate of 4 percent. Another case is that when the income is up to eighteen lakhs, they will still get the interest rate at the affordable rate, which is about 3 percent. The other people not coming in this range will get the non-subsidy status. The main thing is that the beneficiaries are not allowed to have their own house in his or her name either. The caste of the beneficiary can be SC, ST, and OBC. Another important thing is that when the person has already obtained the housing scheme, they are not allowed to get the scheme again.

Fulfills the housing dreams of people

The housing dream is the common one among poor to rich families. So in order to make this dream come true, Prime Minister Narendra Modi announced the Pradhan Mantri Awas Yojana Uttar Pradesh on June 1st, 2015. This is more helpful for the people in the urban and rural areas to live happily. Many people in the urban areas live in pucca houses instead of kutcha houses. This is more comfortable and also will give the guarantee for their living with the family. Thus this scheme is useful for both the village and the urban people, and thus they can improve their living standards and stay honorable and full of happiness. It avoids all the other problems like the water shortage and no toilet in the home.

Women are getting the ownership

 The ownership of the houses that are built under this scheme will be special for the women only. They can be either the owner or the co-owner of the property. This is more useful for women to gain good status and provides good honor for women across the country. The women who are single, young ages, widows, disabled, transgender, and old will get the ownership benefits surely.

Provides the various facilities in your home

Thus using, this scheme is operating along with other schemes like the Jal Jeevan scheme, Pradhan Mantri Ujjwala scheme, and the Swachh Bharat Mission. Thus Pradhan Mantri Awas Yojana Uttar Pradesh is providing enough facilities to live in affordable houses and make the backward people live happily always.

Beautiful Scheme

The scheme for building the house also makes the low-income and other disabled people live in the shelter. The shelter is always the essential one for the men, and so when there is anyone who does not have it, they can simply utilize this scheme. This greatly supports building the required house and makes their families live happily. The main thing that is needed for getting this scheme initiated is that you have to provide the address proof, insurance, income proof, and others. Then you will get the benefit amount that is good enough for the interest of your home.

Useful for the daily wager’s family improvement

This is more comfortable for various families whose family members are the daily wagers, and also, they are getting very less revenue per annum. Still, in many of the rural areas and even on the urban side, there are people who do not know anything about this kind of scheme. So if you are interested in spreading social awareness, then it is time for you to spread it to them. They will get the benefits easily and also will give the good shelter.

What to do to apply for this PMAY scheme?

The official website of the scheme, pmaymis.gov.in, is the important one for the beneficiaries to open and read the instructions for applying. You will get the known language alone, and so in that, you will have the chance to know the best component for the application. This is a safer and more secure one for the people to apply as the website is fully secured. This is a more comfortable one for uploading important documents on the online platform itself. This is safe and easy for the users to apply for the scheme. Thus the filling of the aadhar card and the other important information like date of birth, name, caste, address, nationality, income amount, and others is important. Thus when you have entered everything, then you are ready to apply for it.

Requirement of documents

The application of the PMAY scheme will require some documents, and that will make them get the good benefits at the right time. This is a more comfortable one for the candidates to get the eligible benefits when they have the documents like application form, address proof photocopy, income proof,  bank statement income tax return certification, and others.

Requires permission from the various departments

The documents like the agreement with the builder or the owners of the building, the NOC certificate from the housing department, and many others are required for this scheme. Therefore when you are providing these documents, then you are eligible for this scheme, and you will get the subsidy interest for the loan at a regular interval.

Two types of PMAY schemes

 One is for the Gramin, and the other is for the Urban people. These types of schemes will have the same aim, like providing housing stability for the backward class people and the poor economic status. people. The initial reserving of the house for the people is about thirty square meters. However, the central Government also announced that the state government could take steps to provide the still vast area of the houses by joining in this Pradhan Mantri Awas Yojana Uttar Pradesh. The urban poor and the others will get the chance to enjoy life and spend time in the Pucca house with the help of this scheme. Thus all the eligible families will get the chance to obtain huge benefits.

What are the components of PMAY?

The components that are present in this famous Pradhan Mantri Awas Yojana Uttar Pradesh are Credit linked subsidy (CLSS), In-Situ Redevelopment (ISSR),  Affordable Housing in Partnership (AHP), and Enhancement and construction of beneficiary-led Homes. Thus the people under the EWS will get the benefits of extending their present house using this scheme's subsidy interest rates. Also, they can buy a new house and enjoy a lower interest rate which will be safe for people to buy the best house at an affordable rate. Thus the main aim of this PMAY scheme is to provide the house to all individuals. Thus according to that, for the past seven to eight years, this scheme has reached many people. Also, the sanctioning of the loan with an affordable interest rate will be simple and quick.

Latest PMAY News

The mission of this Pradhan Mantri Aws Yojna Uttar Pradesh scheme is only about 2022. But then, the Government of India decided to extend its duration to the year 2024. This is because of the request made by the states and the Union territories of the countries. So this announcement was made on Aug 17th, and so the beneficiaries are happier about this. Thus this means that the central Government will disburse a few more crores for the achievement of the scheme for the remaining two years.

Reason for extension

Since many of the houses were sanctioned and also some of them are under construction only is the main reason for the request for the extension of this scheme from the state and the UT governments. Thus in Uttar Pradesh, the beneficiaries will get their sanctioned and the unbuilt home to get completed at the right time without any difficulty. Thus this scheme provides good benefits for the financially backward people and the other poor to get a new home.