I had taken home loan from LICHFL in March 2021. I have submitted the PMAY subsidy form with Female co applicant at time of applying for the loan. At the time of loan processing the representative communicated to me I am eligible under PMAY MIG-I because my property is 1000 SFT and my annual income is above 6 Lacs.
After few months I have contacted LICHFL through email to know my PMAY status and they replied, my loan is not eligible for PMAY LIG scheme. Reason: There is no female co-ownership in the mortgaged property.
As per Ministry of Housing and Urban Affairs CLSS guidelines I am eligible for Middle Income Group (MIG)-I not LIG, because my total property carpet area is 1000 SFT and my Annual income is Rs. 7 Lacs (as per my 2019-20 Form 16, on pay slip my gross salary is Rs. 49,500/- per month). As per my knowledge female co-ownership is required only on Application form at the time of submission for MIG-I, because some of my friends got the benefit on the same.
A.Dear client,
The government had made it necessary for the family to have at least one women member registered as a owner of a new house under the flagship housing program.
For more queries, please contact.
Thank you.
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