Awas loan kese apply kare in hindi me



agar aap makaan khareedane kee yojana bana rahe hain to pradhaanamantree aavaas yojana aapaka kaam aasaan kar sakatee hai. pahale is yojana ka laabh sirf gareeb varg ke lie tha. ab hom lon kee rakam badhaakar shaharee ilaakon ke
gareeb aur madhyam varg ko bhee isake daayare mein laaya gaya hai. shuruaatee praavadhaanon ke mutaabik hom lon kee rakam 3 se 6 laakh rupaye tak thee, 

jis par pmay ke tahat byaaj par sabsidee dee jaatee thee. ab ise badhaakar ab 18 laakh rupaye tak kar diya gaya hai. aaie jaanate hai ki pradhaanamantree aavaas yojana (pmay) ke aavedan ke lie kya jarooree sharten hain. kaun utha sakata hai laabh? yojana ka laabh uthaane ke lie aavedak kee umr 21 se 55 saal honee chaahie. haalaanki, agar parivaar ke mukhiya ya aavedak kee umr 50 saal se adhik hai to usake pramukh kaanoonee vaaris ko hom lon mein shaamil kiya jaayega. 

Kitni aamadanee honee chaahie? aiws (nimn aarthik varg) ke lie saalaana ghareloo aamadanee 3.00 laakh rupaye tay hai. lig (kam aay varg) ke lie saalaana aamadanee 3 laakh se 6 laakh ke beech honee chaahie. saalaana 12 aur 18 laakh rupaye tak kee aamadanee vaale log bhee is yojana ka laabh utha sakate hain. aay ka pramaan: * vetan paane vaale logon ke lie vetan pramaan patr, phaarm 16, ya inakam taiks ritarn (itr) *apana kaam karane vaale logon ke lie 2.50 laakh rupaye tak kee saalaana aamadanee ke lie aay pramaan patr ke roop mein halaphanaama prastut kiya ja sakata hai. agar saalaana aamadanee 2.50 laakh rupaye se adhik hai to usake lie aamadanee ka uchit saboot prastut karana jarooree hai. kitanee milegee sabsidee? 6.5 pheesadee kee kredit linkd sabsidee sirph chhah laakh rupaye tak ke lon par upalabdh hai. 12 laakh rupaye tak kee saalaana kamaee vaale log nau laakh rupaye tak ke lon par chaar pheesadee byaaj sabsidee ka laabh utha paenge. isee tarah 18 laakh rupaye tak kee saalaana kamaee vaale log 12 laakh rupaye tak ke lon par teen pheesadee byaaj sabsidee ka laabh utha paenge. sarakaaree sabsidee kee rakam is yojana mein byaaj par milane vaalee sabsidee byaaj kee rakam ka antar (vaastavik aur sabsidee praapt) nahin hogee.

yah byaaj sabsidee kee rakam ka net prajent vailyoo (enapeevee yaanee npv) hogee. saalaana aamadanee ke hisaab se byaaj par sabsidee 
kaise hogee byaaj sabsidee kee ganana maan lete hain ki lon lene vaale kisee vyakti kee saalaana aamadanee chhah laakh rupaye hai. (lon kee adhikatam rakam chhah laakh rupaye: sabsidee: 6.5 pheesadee) lon kee vaastavik raashi: 6 laakh rupaye byaaj dar : 9 pheesadee maasik qist: 5,398 rupaye 20 saalon mein kul byaaj: 6.95 laakh rupaye 6.5 pheesadee sabsidee ke hisaab se aapaka byaaj sabsidee ke baad enapeevee 2,67,000 rupaye ho jaayega. yahee byaaj sabsidee sarakaar logon ko upalabdh kara rahee hai. is hisaab se aapaka lon vaastav mein chhah laakh rupaye kee jagah 3.33 laakh rupaye ho jaata hai. kitana hoga phaayada yah dhyaan rakhen ki karj lene vaale ne nau pheesadee saalaana ke hisaab se lon liya hai. yah isalie ghat jaata hai kyonki byaaj sabsidee kee raashi karj lene vaale ke ekaunt mein pahale hee daal dee jaatee hai.

isaka asar ghatee huee maasik qist aur byaaj ke kam bojh ke roop mein saamane aatee hai. lon kee sanshodhit rakam : 3.33 laakh rupaye byaaj dar : 9 pheesadee maasik qist: 2,996 rupaye 20 saalon mein chukaaya jaane vaala kul byaaj: 3.86 laakh rupaye maasik qist mein bachat : 2,402 rupaye byaaj mein kul bachat: 3, 08,939 rupaye kaise milega sabsidee ka laabh? hom lon lene vaale sansthaan se sabsidee ke baare mein baat karen. agar aap yogy hain to pahale sentral nodal ejensee ko aapaka aavedan bheja jaayega. agar manjooree mil gayee to ejensee sabsidee kee rakam karj dene vaale baink ko de degee. yah rakam aapake lon akaunt mein aa jaegee.

 agar aapakee saalaana aamadanee saat laakh hai aur lon kee rakam 9 laakh, to aapakee sabsidee 2.35 laakh rupaye banegee. ise ghataane ke baad aapake lon kee rakam 6.65 laakh rupaye bachegee. aap is rakam par maasik kist bharenge. agar lon kee rakam aapakee sabsidee kee yogyata se adhik hai to atirikt rakam par aapako saamaany dar se byaaj chukaana padega. kya baraten saavadhaanee *vaastav mein hom lon par byaaj dar nau pheesadee se alag bhee ho sakate hain. *is samay mchlr par aadhaarit hom lon kee daren 8.5 pheesadee ke kareeb hain. *is vajah se byaaj dar aur maasik qist kam ho sakatee hain. *is yojana ka laabh uthaane ke lie yogyata sambandhee masale chek kar len. *agar aapake, pati/patnee ya bachche ke naam se desh mein kaheen bhee koee pakka makaan hai to is yojana ka laabh nahin mil sakata. hindee mein parsanal phainens aur sheyar baajaar ke niyamit apadets ke lie laik karen hamaara phesabuk pej. is pej ko laik karane ke lie

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