Pradhan Mantri Awas Yojana 2019 (PMAY 2019), is an initiative introduced by the government under which the Indian government aims to provide affordable housing options to the urban poor (PMAY Urban). The Government under this scheme has envisioned the construction of pucca houses by eco-friendly methods in association with certain real estate builders in selected cities. Divyansh Onyx is also registered under the Pradhan Mantri Awas Yojana housing for all initiative.


Pradhan Mantri Awas Yojana Flats in Ghaziabad


The mission of PM Awas Scheme is that by the year 2022, affordable housing should be provided to the urban poor. This initiative has two pillars on which it is based on, one is that the government will give interest subsidies for the urban poor section if they apply for a loan to construct or purchase a house. Second is that affordable housing options are being constructed across selected cities and towns to benefit the urban poor population in India.

Read more – PMAY Flats

For the ones considering opting for the PMA yojana, certain simple steps need to be followed, such as primarily one need to do the PMAY registration by filling up the PMAY online form. A new middle income earners category has been introduced under this scheme as per the PMAY guidelines for Credit Linked Subsidy in which people earning upto 19 lakh per annum are eligible to avail the benefits of subsidized housing loans (subject to other conditions).

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Pradhan Mantri Awas Yojana Beneficiary & Documents


An essential rule for availing the benefit of this scheme is that PMAY beneficiary family should not have availed of central assistance under any housing scheme from Government of India and neither should they own a pucca house. The beneficiary family members will be required to produce their Aadhar cards in order to avoid duplication.


Pradhan Mantri Awas Scheme makes the housing loan interest chargeable only on the non-subsidized portion of the loan and thus provides a great deal of relief to the people hoping to buy a house by availing the home loan option. A list of accepted participants is available under PMAY list 2019-20.


For all those looking forward to buying their own home, Divyansh Onyx With PMAY scheme offers a bunch of feasible options !