EWS Housing Eligibility, Documents, Benefits And More

By Investoxpert | 29 Dec 2023 | Real Estate

In several states, EWS Housing Schemes provide people from lower income categories with cheap housing options. Find more about the requirements, eligibility, documentation, and other details of the EWS housing schemes.

It is challenging to build a home while attending to other financial obligations in light of the escalating cost of real estate. A portion of the entire property price is covered by the state government under the EWS category system, which benefits the individual. Beneficiaries must, however, fulfil a number of requirements in order to be qualified for the program. Keep reading to know more about EWS housing.

What Is EWS Housing?

The government's major goal with EWS housing is to give people who need it most access to cheap homes.

The Government of India has launched a number of EWS Housing Schemes to make it easier for those in lower income categories to construct their ideal homes.

What Are The Benefits Of EWS Housing?

Eradication Of Slums

Slum dwellers who qualify for the EWS category housing project are given concrete houses to move into. The tracts of slum land can be developed into additional residential buildings.

Housing For All

The goal of EWS housing schemes like the Pradhan Mantri Awas Yojana is to house everyone who is homeless. The lower income groups covered by these government housing programs include those in the EWS category, Scheduled Tribe (ST), Scheduled Caste (SC), and Other Backward Classes (OBCs). The schemes are accessible in several states, including Kerala, Tamil Nadu, West Bengal, and Maharashtra.

Female Safety

The housing programs provide future security for women beneficiaries, as new purchases under the EWS category must be owned by women. For instance, in order to get the subsidy amount under the PMAY housing scheme, a male candidate must co-own the property with their spouse.

Subsidised interest rates

Institutional lending inflows can be considerably increased via the credit-linked subsidy program. This will result in a significantly lower annual percentage rate (EMI) for those in the economically disadvantaged and low-income segments of society who can now buy a home at lower interest rates.

Extremely reasonable

No segment of society will be left without a place to live thanks to EWS housing. This covers all members of the Other Backward Classes (OBCs), Scheduled Tribes (STs), and Scheduled Castes (SCs). There are also widows, women, older people, and transgender people among them.

Environmentally Friendly Homes

Every home produced under this program is made using sustainable technology and environmentally friendly building materials. By doing this, the environmental damage caused by air and noise pollution near the construction site is reduced. Rather, the homes are constructed from premium, long-lasting materials. This also aids in delaying remodelling for a while.

What is the EWS Housing Criteria?

To be eligible to apply for a housing program, applicants must meet the requirements set forth by EWS Housing.
To be eligible for EWS, a household must earn at least Rs. 3 lakh annually.
The Mumbai Metropolitan Area is allocated Rs. 6 lakh.
There cannot be a pucca residence owned by the petitioner or any other family member anywhere in India.
The candidate needs to be older than eighteen.
The candidate needs to be a citizen of India.
The applicant cannot benefit from any private lending institution's (PIL) PMAY housing program or other housing initiative.
The candidate cannot have benefited from any State or federal housing program.
A family will only be given one dwelling if two of them apply for EWS housing. They are able to apply for joint ownership, nevertheless.

What Are The Documents Required for EWS Housing?

The list of necessary paperwork to submit with an application for a home under the EWS category is below.

Documents attesting to your age, such as your driver's license, birth certificate, pan card, and school leaver certificate.

Affidavit cum statement proving that none of your relatives or you possess a pucca house.

Identity documentation, including a driver's license, pan card, aadhar card, etc.

A copy of evidence of address, such as a voter id, bank statement, property tax receipt, or documentation proving property registration.

Documents attesting to each family member's income, such as certified copies of form 16 and the salary slips from the previous three months, annual increment letters, and appointment letters.

Papers proving your income, such as a copy of your last six months' worth of bank statements.

Information about your current loans from your bank statements.

Certificate of no objection (noc) from any housing organization

The processing fee check must be drawn from the business account of self-employed applicants or the salary account of those who are employed.

A property allocation letter or a sale agreement.

How To Apply For EWS Housing Plans?

EWS housing applications are accepted both offline and online.

Online:

The sole requirement to apply for EWS housing online is having a valid Aadhar.

Step 1: Go to https://pmaymis.gov.in/ to access the Pradhan Mantri Awas Yojana (PMAY) official website.

Step 2: From the home page's Main Navigation Menu, select the Citizen Assessment option.

Step 3: From the drop-down menu, select Apply Online.

Step 4: Select the PMAY option that applies to you.

Step 5: You'll see a fresh tab. Input your name and Aadhar number here.

Step 6: To indicate that you are okay with sharing your Aadhar, check the box below.

Step7: Select "Check."

Offline:

Visit a Common Service Center (CSC) to fill out an application for EWS housing offline. This application form costs Rs. 25 plus GST.

Read Also : Top 10 Best Luxury Villas in Pune

Conclusion

For those who fall under the EWS category, state government authorities in several states have implemented cheap housing programs. A few of these programs use a fortunate draw to distribute houses. Nonetheless, some let prospective purchasers to apply straight through the specialized web portals.

To obtain comprehensive details about currently running EWS housing projects, go to your state's online housing schemes page. Before beginning the application process, make sure you have read the eligibility requirements and gathered all necessary paperwork. This facilitates process optimization and lowers the possibility of errors.

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