Essential Required Documents for Pradhan Mantri Awas Yojana Application

The Pradhan Mantri Awas Yojana (PMAY) was created to provide low-cost housing to individuals across the country. The system is divided into urban and rural groups to fulfill the requirements of inhabitants. Given the importance of beneficiary information, paperwork is an essential aspect of receiving payments under PMAY. An applicant cannot close a home purchase with PMAY unless the documentation is error-free and transparent. As a result, while applying under PMAY, you must have all of the necessary paperwork on hand. Authentic papers are required to assess the applicants’ qualifying conditions. These papers will assist in identifying ineligible applicants, particularly those who already own a residential property, and eliminating them from the process so that legitimate candidates may be considered. The PMAY (Urban) plan intends to encourage homeownership among those from the Economically Weaker Section (EWS) and Lower-Income Group (LIG) in order to accomplish the lofty objective of ‘Housing for All’.

Required Documents for Salaried Individuals Applying for PMAY

To get the income-based subsidy, a salaried individual must provide the following documentation to the bank. To qualify for the plan, the procedure of obtaining a dwelling under PMAY (Urban) must be supported by the requisite and essential papers. The Awas Yojana documentation that candidates must maintain on hand are listed below.

• EWS/LIG Income certificate
• Income Certificate (only if the income is below the taxable limit)
• PAN Card
• Aadhaar Card
• Voter’s Card
• Driving License
• MNREGA Number
• Nationality Identification Proof
• Proof of category (belonging to SC/ST/OBC/Minority etc.)
• Copy of address proof
• Income Proof – Original Salary slip/salary Certificate/other income.
• Latest Income Tax Return/ Income Tax Assessment Order/Form no 16, if applicable
• Bank statement for the last six months
• Valuation certificate from the approved valuer, if not valued earlier
• The approved plan of construction
• Architects/Engineers certificate confirming the cost of construction/cost of repairs/cost of improvements/cost of extension
• Architects certificate confirming expected life, fitness and future of flat/house in case of purchase
• Agreement for construction with builder/developer
• No Objection Certificate (NOC) from housing society/competent authority
• Affidavit-cum-undertaking to the effect that the construction is in an authorised area, construction is strictly as per sanctioned plan/building bye-laws and the loan is availed for acquiring plot/house/flat for residential purpose only
• Receipt of advance payment made to builder/seller, if any
• Affidavit from the beneficiary that either he/she or any of the family members do not own a puccahouse (all weather dwelling unit) in any part of India
• Letter of Allotment of property (where the property is proposed to be purchased from builder/housing boards)/or Agreement to Sale (where the resale property is proposed to be purchased), Title deed/lease deed/Mutation in respect of pre-owned property, which is to be extended

Documentation for Self-Employed Individuals Applying for PMAY

The criteria for homeowners who operate a business and are self-employed are subtly different since the nature of an entrepreneur’s earnings vary from that of a salaried worker. Because income is not often paid on a monthly basis, it is necessary to examine it over time in order to determine an applicant’s eligibility.

• EWS/LIG Income certificate
• Income Certificate (only if the income is below taxable limit)
• PAN Card
• Aadhaar Card
• Voter’s Card
• Driving License
• MNREGA Number
• Nationality Identification Proof
• Proof of category (belonging to SC/ST/OBC/Minority etc.)
• Copy of address proof
• Income Proof – Original salary slip/salary certificate/other income proof
• Latest Income Tax Return/Income Tax Assessment Order/Form no 16, if applicable
• Bank statement of last six months
• A brief note on the nature of business/ activity / self-drawn attested financial statement/business license in case of self-employed.
• Valuation certificate from the approved valuer, if not valued earlier
• The approved plan of construction
• Architects/Engineers certificate confirming cost of construction/cost of repairs/cost of improvements/cost of extension
• Architects certificate confirming expected life, fitness and future of flat/house in case of purchase
• Agreement for construction with builder/developer
• NOC from housing society/competent authority
• Affidavit-cum-Undertaking to the effect that the construction is in an authorised area, construction is strictly as per sanctioned plan/building bye-laws, loan is being availed for acquiring plot/house/flat for residential purpose only
• Receipt of advance payment made to builder/seller, if any
• Affidavit from the beneficiary that either he/she or any of the family members do not own a pucca house (all weather dwelling unit) in any part of India
• Letter of Allotment of Property (where property is proposed to be purchased from builder/ housing boards)/or Agreement to Sale (where resale property is proposed to be purchased), Title deed/lease deed/Mutation in respect of pre-owned property, which is to be extended.

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