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| Sl | Details | EWS | LIG |
|---|---|---|---|
| 1 | Household Annual Income (Rs.) | - | - |
| Min. | 0 | 300,001 | |
| Max. | 300,000 | 600,000 | |
| 2 | Income Proof for Claiming Subsidy | Self declaration | |
| 3 | Property Carpet Area (sq.m.) Upto | 30 | 60 |
| 4 | Property Location | All Statutory Towns as per Census 2011 and towns notified subsequently | |
| 5 | Applicability of No Pucca House | Not for renovation/upgradation | |
| 6 | Woman Ownership/Co-ownership | Not for existing property. Required for new acquisition. | |
| 7 | Due Diligence Process | As per the process of the Primary Lending Institution | |
| 8 | Eligible Loan Amount | As per the policy applied by the Primary Lending Institution | |
| 9 | Identity Proof | Aadhaar No. | |
| 10 | Housing Loan Sanction and Disbursement Period | ||
| From | 17.06.2015 | ||
| To | 31.03.2022 | ||
| 11 | Interest Subsidy Eligibilities | ||
| I. | Loan Amount (Rs.) Min. | 0 | 0 |
| II. | Loan Amount (Rs.) Max. | 600,000 | 600,000 |
| III. | Loan Tenure (Years)* Max. | 20 | 20 |
| IV. | Interest Subsidy (% p.a.) | 6.5 | 6.5 |
| V. | NPV Discount Rate (%) | 9 | 9 |
| VI. | Max. Interest Subsidy Amount (Rs.) | 267,280 | 267,280 |
| 12 | Loan Category at the time of crediting the subsidy | Standard Asset | |
| 13 | Lumpsum amount paid per sanctioned Housing Loan application (Rs.)* | 3,000 | 3,000 |
| 14 | Quality of House/Flat Construction | National Building Code, BIS Codes and as per NDMA Guidelines adopted | |
| 15 | Approvals for the Building Design | Compulsory | |
| 16 | Basic Civic Infrastructure (water, sanitation, sewerage, road, electricity etc.) | Compulsory | |
| 17 | Monitoring and Reporting the Completion of Property Construction | Responsibility of the Primary Lending Institution | |
| 18 | Default Repayment of Loan | Recover and Pay back subsidy to CNA on proportionate basis | |
| 19 | Data Submission & Accuracy, and Record Keeping & Maintenance | Responsibility of the Primary Lending Institution | |
| Sl | Details | MIG 1 | MIG 2 |
|---|---|---|---|
| 1 | Household Annual Income (Rs.) | - | - |
| Min. | 600,001 | 1,200,001 | |
| Max. | 1,200,000 | 1,800,000 | |
| 2 | Income Proof for Claiming Subsidy | Self declaration | |
| 3 | Property Carpet Area (sq.m.) Upto | 160 | 200 |
| 4 | Property Location | All Statutory Towns as per Census 2011 and towns notified subsequently | |
| 5 | Applicability of No Pucca House | Yes | |
| 6 | Woman Ownership/Co-ownership | No | |
| 7 | Due Diligence Process | As per the process of the Primary Lending Institution | |
| 8 | Eligible Loan Amount | As per the policy applied by the Primary Lending Institution | |
| 9 | Identity Proof | Aadhaar No. | |
| 10 | Housing Loan Sanction and Disbursement Period | ||
| From | 1.01. 2017 | ||
| To | 31.03.2021 | ||
| 11 | Interest Subsidy Eligibilities | ||
| I. | Loan Amount (Rs.) Min. | 0 | 0 |
| II. | Loan Amount (Rs.) Max. | 900,000 | 1,200,000 |
| III. | Loan Tenure (Years)* Max. | 20 | 20 |
| IV. | Interest Subsidy (% p.a.) | 4 | 3 |
| V. | NPV Discount Rate (%) | 9 | 9 |
| VI. | Max. Interest Subsidy Amount (Rs.) | 235,068 | 230,156 |
| 12 | Loan Category at the time of crediting the subsidy | Standard Asset | |
| 13 | Lumpsum amount paid per sanctioned Housing Loan application (Rs.)* | 2,000 | 2,000 |
| 14 | Quality of House/Flat Construction | National Building Code, BIS Codes and as per NDMA Guidelines adopted | |
| 15 | Approvals for the Building Design | Compulsory | |
| 16 | Basic Civic Infrastructure (water, sanitation, sewerage, road, electricity etc.) | Compulsory | |
| 17 | Monitoring and Reporting the Completion of Property Construction | Responsibility of the Primary Lending Institution | |
| 18 | Default Repayment of Loan | Recover and Pay back subsidy to CNA on proportionate basis | |
| 19 | Data Submission & Accuracy, and Record Keeping & Maintenance | Responsibility of the Primary Lending Institution | |
| Sl | Details | EWS | LIG |
|---|---|---|---|
| 1 | Household Annual Income (Rs.) | – | – |
| Min. | 0 | 300,001 | |
| Max. | 300,000 | 600,000 | |
| 2 | Income Proof for Claiming Subsidy | Self declaration | |
| 3 | Property Carpet Area (sq.m.) Upto | 30 | 60 |
| 4 | Property Location | All Statutory Towns as per Census 2011 and towns notified subsequently | |
| 5 | Applicability of No Pucca House | Not for renovation/upgradation | |
| 6 | Woman Ownership/Co-ownership | Not for existing property. Required for new acquisition. | |
| 7 | Due Diligence Process | As per the process of the Primary Lending Institution | |
| 8 | Eligible Loan Amount | As per the policy applied by the Primary Lending Institution | |
| 9 | Identity Proof | Aadhaar No. | |
| 10 | Housing Loan Sanction and Disbursement Period | ||
| From | 17.06.2015 | ||
| To | 31.03.2022 | ||
| 11 | Interest Subsidy Eligibilities | ||
| I. | Loan Amount (Rs.) Min. | 0 | 0 |
| II. | Loan Amount (Rs.) Max. | 600,000 | 600,000 |
| III. | Loan Tenure (Years)* Max. | 20 | 20 |
| IV. | Interest Subsidy (% p.a.) | 6.5 | 6.5 |
| V. | NPV Discount Rate (%) | 9 | 9 |
| VI. | Max. Interest Subsidy Amount (Rs.) | 267,280 | 267,280 |
| 12 | Loan Category at the time of crediting the subsidy | Standard Asset | |
| 13 | Lumpsum amount paid per sanctioned Housing Loan application (Rs.)* | 3,000 | 3,000 |
| 14 | Quality of House/Flat Construction | National Building Code, BIS Codes and as per NDMA Guidelines adopted | |
| 15 | Approvals for the Building Design | Compulsory | |
| 16 | Basic Civic Infrastructure (water, sanitation, sewerage, road, electricity etc.) | Compulsory | |
| 17 | Monitoring and Reporting the Completion of Property Construction | Responsibility of the Primary Lending Institution | |
| 18 | Default Repayment of Loan | Recover and Pay back subsidy to CNA on proportionate basis | |
| 19 | Data Submission & Accuracy, and Record Keeping & Maintenance | Responsibility of the Primary Lending Institution | |
| Sl | Details | MIG 1 | MIG 2 |
|---|---|---|---|
| 1 | Household Annual Income (Rs.) | – | – |
| Min. | 600,001 | 1,200,001 | |
| Max. | 1,200,000 | 1,800,000 | |
| 2 | Income Proof for Claiming Subsidy | Self declaration | |
| 3 | Property Carpet Area (sq.m.) Upto | 160 | 200 |
| 4 | Property Location | All Statutory Towns as per Census 2011 and towns notified subsequently | |
| 5 | Applicability of No Pucca House | Yes | |
| 6 | Woman Ownership/Co-ownership | No | |
| 7 | Due Diligence Process | As per the process of the Primary Lending Institution | |
| 8 | Eligible Loan Amount | As per the policy applied by the Primary Lending Institution | |
| 9 | Identity Proof | Aadhaar No. | |
| 10 | Housing Loan Sanction and Disbursement Period | ||
| From | 1.01. 2017 | ||
| To | 31.03.2021 | ||
| 11 | Interest Subsidy Eligibilities | ||
| I. | Loan Amount (Rs.) Min. | 0 | 0 |
| II. | Loan Amount (Rs.) Max. | 900,000 | 1,200,000 |
| III. | Loan Tenure (Years)* Max. | 20 | 20 |
| IV. | Interest Subsidy (% p.a.) | 4 | 3 |
| V. | NPV Discount Rate (%) | 9 | 9 |
| VI. | Max. Interest Subsidy Amount (Rs.) | 235,068 | 230,156 |
| 12 | Loan Category at the time of crediting the subsidy | Standard Asset | |
| 13 | Lumpsum amount paid per sanctioned Housing Loan application (Rs.)* | 2,000 | 2,000 |
| 14 | Quality of House/Flat Construction | National Building Code, BIS Codes and as per NDMA Guidelines adopted | |
| 15 | Approvals for the Building Design | Compulsory | |
| 16 | Basic Civic Infrastructure (water, sanitation, sewerage, road, electricity etc.) | Compulsory | |
| 17 | Monitoring and Reporting the Completion of Property Construction | Responsibility of the Primary Lending Institution | |
| 18 | Default Repayment of Loan | Recover and Pay back subsidy to CNA on proportionate basis | |
| 19 | Data Submission & Accuracy, and Record Keeping & Maintenance | Responsibility of the Primary Lending Institution | |
