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Home loans par bhari bachat ‘Pradhan Mantri Awas Yojna’
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गृह ऋण पर भारी बचत 'प्रधान मंत्री आवास योजना'
क्या आप जानते हैं, अब घर लेना हो गया और भी आसान| अगर आप की पारिवारिक* वार्षिक आय 6 लाख रुपये तक है, तो आपके लिए गृह ऋण सस्ते व्याज दर पर उपलब्ध है| जी हां, ये स्कीम है - प्रधान मंत्री आवास योजना के अंतर्गत 'क्रेडिट लिंक्ड सब्सिडी स्कीम'| आप सस्ते व्याज दर पर घर बनाने और खरदीने हेतु ऋण प्राप्त कर सकते हैं| इस स्कीम के अन्तर्गत रुपये 2,20,000/- तक की सब्सिडी (राहत) पा सकते हैं, जिससे सब्सिडी के बराबर की राशि कुल ऋण राशि से कम हो जाती है|
आर्थिक विकाश और सुविधा के लिए माननीय प्रधानमंत्रीजी श्री नरेंद्र मोदी ने इस योजना का सुभ आरम्भ किया है| यह योजना 25 जून, 2015 से संपूर्ण भारत में विकाश का कार्य कर रही है| आने वालों 6-7 वर्षों में इस योजना के अन्तर्गत दो करोड़ नए घर बनाये जायेंगे|
लाभ उदाहरण -
अगर आप 10.5% की व्याज दर पर 6 लाख रुपये का ऋण ले रहे हैं, तो आपकी मासिक किस्त रुपये 8843/- प्रतिमाह बनती है| पर जरा सोचिए यदि आप क्रेडिट लिंक सब्सिडी (राहत) स्कीम में लाभार्थी हैं और रुपये २,२०,०००/- की सब्सिडी लेते हैं, तो आपकी मासिक किस्त 6409 रुपये प्रतिमाह बनेगी, अर्थात रुपये 2432/- का मासिक लाभ|
लाभ प्राप्त करने के लिए अन्य अनिवार्य पात्रता -
१. आवेदक या उसके परिवार के किसी भी सदस्य के नाम पर भारत देश के किसी भी हिस्से में कोई भी पक्का माकन नहीं होना चाहिए|
२. सम्पति में महिलायों की भागीदारी एक अनिवार्य शर्त है| कानून के अनुसार, परिवार के किसी भी महिला सदस्य के नाम पर या संयुक्त (महिला/पुरुष) के नाम पर आवास का पंजीकरण होना चाहिए|
३. आवास भारत के ही किसी शहर में होना चाहिए, जो की भारत सरकार ने 2011 जनगणना के आधार पर निर्धारित किये हैं, जिनकी संख्या 4041 है|
प्रधानमंत्री आवास योजना - क्रेडिट लिंक्ड सब्सिडी स्कीम सहरी समाज के लक्षित समूहों के लिए प्रगतिशील है|
* परिवार व्याख्या - पति, पत्नी और अविवाहित बच्चे|
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