Middle-class home buyers get clarity to avail loan subsidy under Pradhan Mantri Awas Yojna – ET RealEstate

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9) The total interest subsidy for middle-income people over twenty years on Rs. 9 lakh loan and Rs. 12 lakh loan comes to around Rs. 2.30 lakh per beneficiary (the present value of interest subsidy provided to beneficiaries throughout the tenure of a 20-year loan at a discounting rate of 9 per cent.

Under the Pradhan Mantri Awas Yojana (PMAY), you get a subsidy on the interest rate for your home loan. To get the subsidy, you and your family members (husband, wife and unmarried children.

Pradhan Mantri Awas Yojana (PMAY) – Credit Linked Subsidy Scheme ( CLSS) Eligibility The beneficiary family should not own a pucca house in his/her or in the name of any member of his/her.