(a) whether any interest subvention on housing loan for the purchase/ construction of houses is being given by the Union Government in Bihar;
(b) if so, the details thereof; and
(c) the number of beneficiaries of the scheme in Bihar during the last three years?
THE MINISTER OF STATE (INDEPENDENT CHARGE) OF THE MINISTRY OF HOUSING AND URBAN AFFAIRS
(SHRI HARDEEP SINGH PURI)
(a) & (b): Under Credit Linked Subsidy Scheme (CLSS) for EWS/LIG component of Pradhan Mantri Awas Yojan (Urban) {PMAY[U]}, beneficiaries of Economically Weaker Section (EWS) having household annual income upto Rs.3,00,000/- and Lower Income Group having household annual income between Rs.3,00,001/- and upto Rs. 6,00,000/- subject to their being otherwise eligible, can avail of an interest subsidy at the rate of 6.5% on the housing loans up to Rs.6.00 lakh for a maximum tenure of 20 years, for acquisition, construction and extension of house.
Government of India has also launched a Credit Linked Subsidy Scheme to provide interest subsidy for housing loans to eligible beneficiaries belonging to Middle Income Group (CLSS for MIG). The Scheme covers two income segments in the MIG viz. annual household income between Rs.6,00,001 to Rs.12,00,000 (MIG-I) and annual household income between Rs.12,00,001 to Rs.18,00,000 (MIG-II). The interest subsidy under the scheme will be available to beneficiaries of MIG-I and MIG-II categories for loan amounts upto Rs.9,00,000/- and 12,00,000/, respectively for acquisition / constructions of houses (including re-purchase). The interest subsidy will be at the rate of 4% and 3%, respectively.
(c): During the last three years, a total of 3,946 housing loans have been sanctioned under CLSS in Bihar and an amount of Rs.82.24 Cr. has been disbursed as interest subsidy.
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