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Affordable Housing under Pradhan Mantri Awas Yojana

In the light of the staggering figure of 78 million homeless people in the country (2014), Pradhan Mantri Awas Yojana has come as a solace for the vagrant. While its tepid progress had put forth a question on the possibility of a promised “dream home”, steps infused into the scheme by the government, find the dream inching towards reality. Affordable housing for the rural sector has been a priority since the launch of the Indira Awas Yojana in the 1980s.  A harbinger of acche din (good times), Pradhan Mantri Awas Yojana seeks to provide 18 million households in urban India and nearly 30 million households in rural India by 2022.
 
The schemes encompasses four broad programs:
  • Slum rehabilitation
  • Provision of credit-linked subsidy for the weaker section
  • Provision of affordable housing by collaborating with public and private sectors
  • Beneficiary-led house construction or enhancement
With its primary target of women from lower income groups, the scheme with its subsidies has proven to be a relief. This scheme is applicable only to first-home buyers. Those earning up to Rs.18 lakhs a year are eligible for the loan. We at Merlin Group, responsibly facilates and encourage such middle to low income homeless people to have their own house with a vision for home for all and support Pradhan Mantri Awas Yojana (PMAY).
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Customer’s Terms & Conditions

  1. I/We hereby undertake to execute the agreement for sale as per the Company's policy within a period of 15 to 30 days from the date of confirmation of provisional booking.
  2. I/We hereby undertake to make payments as per your payment schedule and also undertake to pay an interest @ 18% p.a. on overdue payments if any.
  3. I/We hereby undertake to pay a cancellation fee @ 10% of total consideration amount paid before agreement while after agreement a cancellation fee @ 10 % of total consideration amount paid or Rs. 100/ sq.ft, whichever is higher.
  4. I/We hereby indemnify the Company towards any legal proceedings pertaining to payments / cancellation etc. with regard to terms and conditions.
  5. Nominations if any, will be subject to the approval of the Company upon payment of 2% of the total consideration amount plus applicable service tax.
  6. This application form does not create any right in favour of the applicant. The ultimate right in favour of the applicant for the apartment / unit / car parking will be created upon the execution of Deed of Conveyance.
  7. Disputes if any, would be subject to the Courts within the jurisdiction of Kolkata only.
  8. All taxes existing or new levied by the Govt. will be payable extra by the applicant, without disputing the same.