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Pradhan Mantri yojana

For Properties up to 30 Lakhs, you can Avail 90% of Loan from Banks

Home Loan for OSB Golf Heights Gurgaon

The year October 2015 has spread waves of happiness among Indians after the Reserve Bank of India (RBI) announced the change in home loan policy. And this change of policy gave a significant boost to the slow real estate market.

The new guideline set by the RBI made buying an affordable housing unit a lot easier than before. Home loans for ₹ 20 Lakhs or less had a Loan to Value Ratio of 90% and the amendment in policy stated that the Loan to Value ratio (LTV) for home loans up until the value of ₹ 30 lakhs was raised to 90%.

Now some of you might be wondering what is Loan to Value (LTV) ratio. LTV is defined as the proportion of the property that the bank will extend to the borrower as a loan.

In short and simple words, it means that the bank will provide 90% of the value of the property as a loan to the borrower, which will ease his or her process of buying their dream home. 90% is the highest amount of loan which can be sought by a borrower and he or she also can consider opting for a loan value of less than 90% as per their needs and requirements.

After the initiative was taken by the Prime Minister Shri Narendra Modi towards affordable housing scheme under “Pradhan Mantri Awas Yojana” that aims at providing “Housing for All by 2022”, the sale of affordable housing units in Gurgaon and India witnesses a major improvement.

The circular of RBI followed a reduction in interest rates of home loans by India’s leading banks. It was said that this initiative will not prove beneficial for metro cities such as Gurgaon, Delhi, Mumbai, Bengaluru, Kolkata, etc., but after a review of the scheme, it was observed that metro cities and non-metro cities are performing well.

For example, Sohna Road in Gurgaon has become a hub of affordable housing projects in Gurgaon. The city is a major part of Delhi NCR and it is following an upward trajectory motion since the introduction of affordable housing projects in Gurgaon.

Best affordable housing in Gurgaon is OSB Golf Heights located in Sector 69 Gurgaon, which is just 1 km away from Sohna Road. Booking is open for this residential project and interested home buyers have an option to choose from 1 and 2 BHK apartments with essential amenities and conveniences.

The reduced LTV( loan to value Ration) has enhanced the capability of potential home buyers who are now ready to invest in the affordable housing segment of the real estate industry. The confidence in the buyers have gone up and the overall customer sentiment is redefining the world of real estate.

Soon, every Indian will have their dream home and nobody has to be scared in order to make an investment in the real estate industry. There are a lot of real estate developers in the industry who are working devotedly towards affordable housing market and one such developer is OSB group who has successfully delivered many affordable projects across India.

November 1, 2018 / by / in
Checkout How PMAY benefits you, although having paternal home

Checkout Pradhan Mantri Awas Yojana Benefits

Now the citizens of India who are worried about the eligibility in Pradhan Mantri Awas Yojana (PMAY) scheme even after having paternal home should break confusion as now the Government of India announced that one can have benefits furthermore.

Extension until the last day of the 2019 calendar of The Credit Linked Subsidy Scheme (CLSS) for Middle Income Group (MIG) which classified into CLSS – MIG I and CLSS- MIG II that got approval and started its implementation in 2017.

Let’s see who all are eligible for the MIG category, who all within a family can apply, how much is the subsidy in rupee terms and how does the subsidy impact the loan amount.

For India’s highest percentage in population, Middle class people will now can  access the benefits of The new category MIG which comprised into two more they are :

1) Middle Income Group (MIG) – I which comprises benefits of households to middle class cadre of ₹6,00,001 to ₹12,00,000 annual income.

2) Middle Income Group (MIG) – II which comprises of households annual income ranges from ₹12, 00,001 to ₹18, 00,000.


The Government mission is to provide housing for all and erase the poverty to an extent. Which gives a clarity that the citizens in the country who already owns a home on their name cannot have a new in this scheme.

Official Press release from the Government states that “The family shouldn’t own a house and also must not have had a previous central government assistance under any housing scheme.” The family denotes of husband, wife, younger sons and daughters.

According to the guidelines given by the government, “An adult earning member can be treated as a separate household, provided that he or she hasn’t got a house on their names in any manner across the country.”

So, married or unmarried youngsters of a family living with their parents can apply for the housing PMAY of the Government provided proofs of not having another home.

Those who living in rents in any other city of India can also get eligibility for the scheme.

Recommended Post: Pradhan Mantri Awas Yojana: Remarkable initiative taken by the PM Narendra Modi – Affordable Housing Gurgaon

Married couple paying rents anyhow has to be treated as a new family, hence these couple can apply for the scheme and its benefits, and however they will be getting a single house individually or by joint ownership of the house.

How come government provide Subsidy for the housing:

MIG – I category group  individuals gets 4% subsidy of the interest on which they took a loan of  9 lakh₹, subsidiaries for MIG – II  individuals gets 3% interest of their loans.

Does it work?

September 17, 2018 / by / in
प्रधानमंत्री मातृत्व वंदना योजना क्या हैं?

भारत सरकार द्वारा मातृत्व सहयोह योजना को बादल कर प्रधानमंत्री मातृत्व वंदना योजना कर दिया गया जिसमे ग्राभवती महिलाओं को आर्थिक रूप से 6000रु से लाभान्वित करने वाली एक उत्तम योजना है|

इस योजना के अंतर्गत गर्भवती व स्तनपान करने वाली महिलाओं को पहले जीवित ज्न्म के लिए 6000रु की आर्थिक सहायता प्रदान की जाती है| अन्य केंद्र सरकारी कल्याणकारी योजनाओं के समान इस म्हत्वपूर्ण योजना को आकर्षक बनाने के लिए इस योजना के साथ प्रधानमंत्री नाम जोड़ा गया|

महिला और बाल कल्याण बिभाग के अनुसार भूतपूर्व गर्भावस्था सहायता योजना सफल नही हो सकी व न ही अधिक लोग उस योजना से अवगत थे| महिला विकास व बाल कल्याण विभाग द्वारा गत समय मे उपलब्ध कराये गए आकड़ों मे बताया गया था के (PMMVY) से लाभान्वित होने वालों की संख्या 17 लाख थी जो अब बढ़ कर 31 लाख हो चुकी है| हाल ही मे महिला विकास व बाल कल्याण मंत्रालय मंत्री मेंका गांधी जी से राज्यसभा में पूछे गए प्रश्न मे यह खुलासा किया गया के इस योजना से अब तक 31 लाख ग्राभवाती महिलाएं लाभान्वित हो चुकी है|

(PMMVY) योजना का लाभ उठाने के लिए प्रतिदिन 50,000 नामांकन प्राप्त हुए जिसके लिए भारत के सभी 36 राज्यों व केंद्र प्रशशित राज्यों के लिए 2048.21 करोड़ रूपय आवंटित किए जा चुके है|

ये भी पढ़े: A Great privilege to every Woman: Enjoy Tremendous benefits of housing scheme Pradhan Mantri Awas Yojana (PMAY)

प्रधानमंत्री मातृत्व वंदना योजना के उद्देश्य :

1 – काम करने वाली महिलाओं की मजदूरी के नुकसान की भरपाई करने के लिए मुआवजा देना और उनके उचित आराम और पोषण को सुनिश्चित करना|

2 – गर्भवती महिलाओं और स्तनपान करने वाली महिलाओं के स्वास्थ्य मे सुधार और नकदी प्रोत्साहन के माध्यम से अधीन-पोषण के प्रभाव कम करना|

प्रधानमंत्री मातृत्व वंदना योजना के लाभ :

इस योजना से गर्भवती महिलाओं और स्तनपान कराने वाली माताओं को पहले जीवित बच्चे के जन्म के दौरान फ़ायदा होगा| योजना की लाभ राशि DBT के माध्यम से लाभार्थी के बैंक खाते मे सीधा भेज दी जाएगी| रिपोर्ट के मुताबिक, सरकार निम्नलिखित किश्तों मे राशि का भुगतान करेगी|

पहली किस्त : 1000रु गर्भावस्था के पंजीकरण के समय

दूसरी किस्त : यदि लाभार्थी छ्ह महीने की गर्भावस्था के बाद कम से कम प्रसवपूर्ण जांच कर लेते है तो 2,000रु मिलेंगे|

तीसरी किस्त : जब बच्चे का जन्म पंजीकृत हो जाता है और बच्चे को BCG, OPV, DPT और हेपेटीटीस-B सहित पहले टीके का चक्र शुरू होता है|

प्रधानमंत्री मातृत्व वंदना योजना गरीब महिलाओं को उनके गर्भावस्था के म्हत्वपूर्ण समय के लिए सरकार सभी माताओं को आर्थिक रूप से सहायता देने के लिए यह एक उत्तम योजना है|

प्रधानमंत्री मातृत्व वंदना योजना Form online डाउनलोड करने के लिए और यूजर मैन्युअल डाउनलोड करने के लिए यहाँ क्लिक करे| और आपको यूजर मैन्युअल में आपको इस योजना के सारे Forms मिल जाएगे|

August 11, 2018 / by / in