In line with the mission of providing ‘Housing for all’ by 2022, the Ghaziabad Development Authority or GDA intends to construct 36,000 housing units by 2021 under the Pradhan Mantri Awas Yojana Ghaziabad scheme. Moreover, almost over 1,300 homes are under construction and possession of some will be given by 2020. Considering the fact that the government is facilitating affordable housing and you can claim PMAY benefits like subsidy on home loan interest, this is an opportune time for you to be a homeowner in Ghaziabad. However, you need to meet PMAY eligibility criteria to secure home ownership under the PMAY Ghaziabad scheme.
So, read on to know more about Pradhan Mantri Awas Yojana in Ghaziabad and how you can qualify for it.
As mentioned before, GDA intends to construct 36,000 properties under the PMAY Ghaziabad scheme by 2021. As per recent reports, 1,300 units are already under construction. Moreover, the Vice-Chairperson of GDA has clarified that about 432 flats are located in Dasna, and nearly 856 flats are situated in Bapudham. The GDA plans to give possession of these units as soon as July 2020 and is jointly developing these units with private developers.
What are the Eligibility Criteria and Documents Required for PMAY Ghaziabad?
Before applying for PMAY Ghaziabad, you need to check if you meet the required PMAY eligibility criteria. Firstly, to qualify for the scheme you need to belong to any one of the following economic groups.
Economically Weaker Section (EWS) and Lower Income Group (LIG): Annual household income not exceeding Rs.3 lakh and Rs.6 lakh, respectively.
Middle Income Group I (MIG I): Annual household income over Rs.6 lakh and up to Rs.12 lakh
Middle Income Group II (MIG II): Annual household income over Rs.12 lakh and up to Rs.18 lakh
Furthermore, you or your family must not own a pucca house in any part of the country and must not have availed financial assistance from other Govt. housing schemes.
Once you know under which category you qualify for, keep the following documents ready for submission.
An accurately filled online application form
Identity proof like PAN card, Aadhaar card, passport, voter’s ID or driver’s license
Address proofs like utility bills or ration card
SC/ST/OBC certificates, if applicable
Income proof like salary slips, Form 16, ITR, last 6 month’s bank account statements
If your income is below the taxable limit, submit a self-affidavit income certificate7
If you belong to the EWS or the LIG category, submit a self-declaration form
If you are a self-employed applicant or a businessperson, submit a written declaration explaining the nature of your business along with a self-attested financial statement
The following property documents, certified by a registered authority:
Certified valuation certificate
Approved construction plan
A certificate from an engineer or architect that mentions the construction and repair costs along with the expected life of the house
A construction agreement with your builder, if required
Document to prove that the location of the construction is as per the law
No Objection Certificate
A letter of allotment of property or an agreement of sale
An affidavit that states that you or members in your household don’t own a house in India
How to Check the List of Beneficiaries for PMAY Ghaziabad?
To check if you are one of the beneficiaries, check the PMAY list by following these steps:
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Visit the official PMAY website at https://pmaymis.gov.in/
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Click on ‘Search Beneficiary’
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Enter your Aadhaar number and click ‘Show’
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Once the results are displayed, look for your name and other details
How to Apply for the Pradhan Mantri Awas Yojana Ghaziabad?
To access PMAY benefits, like a subsidy via the Credit-Linked Subsidy Scheme (CLSS), you can make an application online. Follow these simple steps to do so.
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Visit the official PMAY website at https://pmaymis.gov.in/
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Hover over ‘Citizen Assessment’
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Select the appropriate option; such as ‘Benefit under other 3 components’ for CLSS benefits
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Fill in your Aadhaar details and other personal information in the ensuing form
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Enter the CAPTCHA and click on ‘Submit’
Dates to Remember for PMAY Ghaziabad
Ghaziabad is a city in UP and Pradhan Mantri Awas Yojana, Uttar Pradesh is part of the nation-wide initiative running until 2022. In terms of the CLSS component, EWS and LIG beneficiaries can avail PMAY U benefits until 31st March, 2022. However, according to recent revisions, MIG beneficiaries can avail subsidies until 31st March, 2020.
Now that you know about Pradhan Mantri Awas Yojana in Ghaziabad, apply for a Bajaj Housing Finance Limited Home Loan to avail benefits as per the Credit-Linked Subsidy Scheme, as well as a hassle-free sanction of up to Rs.3.5 crore for a tenor of up to 20 years. You also benefit from value-added features such as nil charges on part-prepayments and foreclosures and property search services so that you can become a proud homeowner quickly. So, what are you waiting for? Check your pre-approved offer from Bajaj Housing Finance Limited for instant approval through a customised deal.
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