{"id":203,"date":"2026-04-29T08:47:30","date_gmt":"2026-04-29T08:47:30","guid":{"rendered":"https:\/\/famenest.com\/blog\/?p=203"},"modified":"2026-04-29T09:30:42","modified_gmt":"2026-04-29T09:30:42","slug":"home-loan-kya-hota-hai","status":"publish","type":"post","link":"https:\/\/famenest.com\/blog\/home-loan-kya-hota-hai\/","title":{"rendered":"\u0939\u094b\u092e \u0932\u094b\u0928 \u0915\u094d\u092f\u093e \u0939\u0948? \u092a\u0942\u0930\u0940 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 (Interest Rate, Eligibility, PMAY, Subsidy &amp; Apply Process)"},"content":{"rendered":"\n<p>\u0918\u0930 \u0916\u0930\u0940\u0926\u0928\u093e \u0939\u0930 \u0935\u094d\u092f\u0915\u094d\u0924\u093f \u0915\u093e \u0938\u092a\u0928\u093e \u0939\u094b\u0924\u093e \u0939\u0948, \u0932\u0947\u0915\u093f\u0928 \u090f\u0915 \u0938\u093e\u0925 \u092a\u0942\u0930\u0940 \u0930\u0915\u092e \u0926\u0947\u0928\u093e \u0939\u0930 \u0915\u093f\u0938\u0940 \u0915\u0947 \u0932\u093f\u090f \u0938\u0902\u092d\u0935 \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u093e\u0964 \u0910\u0938\u0947 \u092e\u0947\u0902 <strong>\u0939\u094b\u092e \u0932\u094b\u0928<\/strong> \u090f\u0915 \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u093e\u0927\u0928 \u092c\u0928 \u091c\u093e\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u0915\u0940 \u092e\u0926\u0926 \u0938\u0947 \u0906\u092a \u0905\u092a\u0928\u0947 \u0938\u092a\u0928\u094b\u0902 \u0915\u093e \u0918\u0930 \u0906\u0938\u093e\u0928\u0940 \u0938\u0947 \u0916\u0930\u0940\u0926 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<p>\u0907\u0938 \u0932\u0947\u0916 \u092e\u0947\u0902 \u0939\u092e \u0935\u093f\u0938\u094d\u0924\u093e\u0930 \u0938\u0947 \u0938\u092e\u091d\u0947\u0902\u0917\u0947 \u2014 \u0939\u094b\u092e \u0932\u094b\u0928 \u0915\u094d\u092f\u093e \u0939\u0948, \u0907\u0902\u091f\u0930\u0947\u0938\u094d\u091f \u0930\u0947\u091f, \u0915\u0948\u0938\u0947 \u092e\u093f\u0932\u0924\u093e \u0939\u0948, \u0915\u093f\u0928 \u0921\u0949\u0915\u094d\u092f\u0942\u092e\u0947\u0902\u091f\u094d\u0938 \u0915\u0940 \u091c\u0930\u0942\u0930\u0924 \u0939\u094b\u0924\u0940 \u0939\u0948, \u092e\u0939\u093f\u0932\u093e\u0913\u0902 \u0915\u0947 \u0932\u093f\u090f \u0915\u094d\u092f\u093e \u092b\u093e\u092f\u0926\u0947 \u0939\u0948\u0902, \u0914\u0930 \u092a\u094d\u0930\u0927\u093e\u0928\u092e\u0902\u0924\u094d\u0930\u0940 \u0906\u0935\u093e\u0938 \u092f\u094b\u091c\u0928\u093e (PMAY) \u0938\u0947 \u0938\u092c\u094d\u0938\u093f\u0921\u0940 \u0915\u0948\u0938\u0947 \u092e\u093f\u0932\u0924\u0940 \u0939\u0948\u0964<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/famenest.com\/blog\/home-loan-kya-hota-hai\/#%F0%9F%8F%A0_%E0%A4%B9%E0%A5%8B%E0%A4%AE_%E0%A4%B2%E0%A5%8B%E0%A4%A8_%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A4%BE_%E0%A4%B9%E0%A5%88_Home_loan_kya_hota_hai\" >\ud83c\udfe0 \u0939\u094b\u092e \u0932\u094b\u0928 \u0915\u094d\u092f\u093e \u0939\u0948? Home loan kya hota hai?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/famenest.com\/blog\/home-loan-kya-hota-hai\/#%F0%9F%93%8A_%E0%A4%B9%E0%A5%8B%E0%A4%AE_%E0%A4%B2%E0%A5%8B%E0%A4%A8_%E0%A4%87%E0%A4%82%E0%A4%9F%E0%A4%B0%E0%A5%87%E0%A4%B8%E0%A5%8D%E0%A4%9F_%E0%A4%B0%E0%A5%87%E0%A4%9F\" >\ud83d\udcca \u0939\u094b\u092e \u0932\u094b\u0928 \u0907\u0902\u091f\u0930\u0947\u0938\u094d\u091f \u0930\u0947\u091f<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/famenest.com\/blog\/home-loan-kya-hota-hai\/#%E0%A4%AE%E0%A5%81%E0%A4%96%E0%A5%8D%E0%A4%AF_%E0%A4%AA%E0%A5%8D%E0%A4%B0%E0%A4%95%E0%A4%BE%E0%A4%B0\" >\u092e\u0941\u0916\u094d\u092f \u092a\u094d\u0930\u0915\u093e\u0930:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/famenest.com\/blog\/home-loan-kya-hota-hai\/#%E0%A4%AD%E0%A4%BE%E0%A4%B0%E0%A4%A4_%E0%A4%AE%E0%A5%87%E0%A4%82_%E0%A4%B8%E0%A4%BE%E0%A4%AE%E0%A4%BE%E0%A4%A8%E0%A5%8D%E0%A4%AF_%E0%A4%B0%E0%A5%87%E0%A4%82%E0%A4%9C\" >\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0938\u093e\u092e\u093e\u0928\u094d\u092f \u0930\u0947\u0902\u091c:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/famenest.com\/blog\/home-loan-kya-hota-hai\/#%E0%A4%95%E0%A4%BF%E0%A4%A8_%E0%A4%AC%E0%A4%BE%E0%A4%A4%E0%A5%8B%E0%A4%82_%E0%A4%AA%E0%A4%B0_%E0%A4%A8%E0%A4%BF%E0%A4%B0%E0%A5%8D%E0%A4%AD%E0%A4%B0_%E0%A4%95%E0%A4%B0%E0%A4%A4%E0%A4%BE_%E0%A4%B9%E0%A5%88\" >\u0915\u093f\u0928 \u092c\u093e\u0924\u094b\u0902 \u092a\u0930 \u0928\u093f\u0930\u094d\u092d\u0930 \u0915\u0930\u0924\u093e \u0939\u0948:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/famenest.com\/blog\/home-loan-kya-hota-hai\/#%F0%9F%8F%A6_%E0%A4%B9%E0%A5%8B%E0%A4%AE_%E0%A4%B2%E0%A5%8B%E0%A4%A8_%E0%A4%95%E0%A5%88%E0%A4%B8%E0%A5%87_%E0%A4%AE%E0%A4%BF%E0%A4%B2%E0%A4%A4%E0%A4%BE_%E0%A4%B9%E0%A5%88_Home_loan_kaise_milta_hai\" >\ud83c\udfe6 \u0939\u094b\u092e \u0932\u094b\u0928 \u0915\u0948\u0938\u0947 \u092e\u093f\u0932\u0924\u093e \u0939\u0948? Home loan kaise milta hai?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/famenest.com\/blog\/home-loan-kya-hota-hai\/#%E0%A4%B8%E0%A4%BE%E0%A4%AE%E0%A4%BE%E0%A4%A8%E0%A5%8D%E0%A4%AF_%E0%A4%B6%E0%A4%B0%E0%A5%8D%E0%A4%A4%E0%A5%87%E0%A4%82\" >\u0938\u093e\u092e\u093e\u0928\u094d\u092f \u0936\u0930\u094d\u0924\u0947\u0902:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/famenest.com\/blog\/home-loan-kya-hota-hai\/#%F0%9F%93%91_%E0%A4%B9%E0%A5%8B%E0%A4%AE_%E0%A4%B2%E0%A5%8B%E0%A4%A8_%E0%A4%95%E0%A5%87_%E0%A4%B2%E0%A4%BF%E0%A4%8F_%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A4%BE_%E0%A4%A1%E0%A5%89%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A5%82%E0%A4%AE%E0%A5%87%E0%A4%82%E0%A4%9F_%E0%A4%9A%E0%A4%BE%E0%A4%B9%E0%A4%BF%E0%A4%8F\" >\ud83d\udcd1 \u0939\u094b\u092e \u0932\u094b\u0928 \u0915\u0947 \u0932\u093f\u090f \u0915\u094d\u092f\u093e \u0921\u0949\u0915\u094d\u092f\u0942\u092e\u0947\u0902\u091f \u091a\u093e\u0939\u093f\u090f?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/famenest.com\/blog\/home-loan-kya-hota-hai\/#%F0%9F%91%A4_%E0%A4%B5%E0%A5%8D%E0%A4%AF%E0%A4%95%E0%A5%8D%E0%A4%A4%E0%A4%BF%E0%A4%97%E0%A4%A4_%E0%A4%A1%E0%A5%89%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A5%82%E0%A4%AE%E0%A5%87%E0%A4%82%E0%A4%9F\" >\ud83d\udc64 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u0921\u0949\u0915\u094d\u092f\u0942\u092e\u0947\u0902\u091f:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/famenest.com\/blog\/home-loan-kya-hota-hai\/#%F0%9F%92%BC_%E0%A4%86%E0%A4%AF_%E0%A4%95%E0%A5%87_%E0%A4%A1%E0%A5%89%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A5%82%E0%A4%AE%E0%A5%87%E0%A4%82%E0%A4%9F\" >\ud83d\udcbc \u0906\u092f \u0915\u0947 \u0921\u0949\u0915\u094d\u092f\u0942\u092e\u0947\u0902\u091f:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/famenest.com\/blog\/home-loan-kya-hota-hai\/#%F0%9F%8F%A1_%E0%A4%AA%E0%A5%8D%E0%A4%B0%E0%A5%89%E0%A4%AA%E0%A4%B0%E0%A5%8D%E0%A4%9F%E0%A5%80_%E0%A4%A1%E0%A5%89%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A5%82%E0%A4%AE%E0%A5%87%E0%A4%82%E0%A4%9F\" >\ud83c\udfe1 \u092a\u094d\u0930\u0949\u092a\u0930\u094d\u091f\u0940 \u0921\u0949\u0915\u094d\u092f\u0942\u092e\u0947\u0902\u091f:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/famenest.com\/blog\/home-loan-kya-hota-hai\/#%E2%9A%99%EF%B8%8F_%E0%A4%B9%E0%A5%8B%E0%A4%AE_%E0%A4%B2%E0%A5%8B%E0%A4%A8_%E0%A4%95%E0%A5%87_%E0%A4%B2%E0%A4%BF%E0%A4%8F_%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A4%BE_%E0%A4%95%E0%A4%B0%E0%A4%A8%E0%A4%BE_%E0%A4%AA%E0%A4%A1%E0%A4%BC%E0%A4%A4%E0%A4%BE_%E0%A4%B9%E0%A5%88\" >\u2699\ufe0f \u0939\u094b\u092e \u0932\u094b\u0928 \u0915\u0947 \u0932\u093f\u090f \u0915\u094d\u092f\u093e \u0915\u0930\u0928\u093e \u092a\u0921\u093c\u0924\u093e \u0939\u0948?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/famenest.com\/blog\/home-loan-kya-hota-hai\/#%F0%9F%93%9D_%E0%A4%B9%E0%A5%8B%E0%A4%AE_%E0%A4%B2%E0%A5%8B%E0%A4%A8_%E0%A4%95%E0%A5%87_%E0%A4%B2%E0%A4%BF%E0%A4%8F_%E0%A4%95%E0%A5%88%E0%A4%B8%E0%A5%87_%E0%A4%85%E0%A4%AA%E0%A5%8D%E0%A4%B2%E0%A4%BE%E0%A4%88_%E0%A4%95%E0%A4%B0%E0%A5%87%E0%A4%82\" >\ud83d\udcdd \u0939\u094b\u092e \u0932\u094b\u0928 \u0915\u0947 \u0932\u093f\u090f \u0915\u0948\u0938\u0947 \u0905\u092a\u094d\u0932\u093e\u0908 \u0915\u0930\u0947\u0902?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/famenest.com\/blog\/home-loan-kya-hota-hai\/#%F0%9F%93%8C_Online_Process\" >\ud83d\udccc Online Process:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/famenest.com\/blog\/home-loan-kya-hota-hai\/#%F0%9F%93%8C_Offline_Process\" >\ud83d\udccc Offline Process:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/famenest.com\/blog\/home-loan-kya-hota-hai\/#%F0%9F%93%9C_%E0%A4%B9%E0%A5%8B%E0%A4%AE_%E0%A4%B2%E0%A5%8B%E0%A4%A8_%E0%A4%95%E0%A5%87_%E0%A4%A8%E0%A4%BF%E0%A4%AF%E0%A4%AE\" >\ud83d\udcdc \u0939\u094b\u092e \u0932\u094b\u0928 \u0915\u0947 \u0928\u093f\u092f\u092e<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/famenest.com\/blog\/home-loan-kya-hota-hai\/#%F0%9F%91%A9_%E0%A4%AE%E0%A4%B9%E0%A4%BF%E0%A4%B2%E0%A4%BE%E0%A4%93%E0%A4%82_%E0%A4%95%E0%A5%87_%E0%A4%B2%E0%A4%BF%E0%A4%8F_%E0%A4%B9%E0%A5%8B%E0%A4%AE_%E0%A4%B2%E0%A5%8B%E0%A4%A8\" >\ud83d\udc69 \u092e\u0939\u093f\u0932\u093e\u0913\u0902 \u0915\u0947 \u0932\u093f\u090f \u0939\u094b\u092e \u0932\u094b\u0928<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/famenest.com\/blog\/home-loan-kya-hota-hai\/#%E2%9C%85_%E0%A4%AA%E0%A5%8D%E0%A4%B0%E0%A4%AE%E0%A5%81%E0%A4%96_%E0%A4%B2%E0%A4%BE%E0%A4%AD\" >\u2705 \u092a\u094d\u0930\u092e\u0941\u0916 \u0932\u093e\u092d:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/famenest.com\/blog\/home-loan-kya-hota-hai\/#%E0%A4%AA%E0%A5%8D%E0%A4%B0%E0%A4%A7%E0%A4%BE%E0%A4%A8%E0%A4%AE%E0%A4%82%E0%A4%A4%E0%A5%8D%E0%A4%B0%E0%A5%80_%E0%A4%B9%E0%A5%8B%E0%A4%AE_%E0%A4%B2%E0%A5%8B%E0%A4%A8_%E0%A4%95%E0%A5%88%E0%A4%B8%E0%A5%87_%E0%A4%AE%E0%A4%BF%E0%A4%B2%E0%A4%A4%E0%A4%BE_%E0%A4%B9%E0%A5%88\" >\u092a\u094d\u0930\u0927\u093e\u0928\u092e\u0902\u0924\u094d\u0930\u0940 \u0939\u094b\u092e \u0932\u094b\u0928 \u0915\u0948\u0938\u0947 \u092e\u093f\u0932\u0924\u093e \u0939\u0948?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/famenest.com\/blog\/home-loan-kya-hota-hai\/#%F0%9F%94%B9_Pradhan_Mantri_Awas_Yojana\" >\ud83d\udd39 Pradhan Mantri Awas Yojana<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/famenest.com\/blog\/home-loan-kya-hota-hai\/#%F0%9F%8F%98%EF%B8%8F_%E0%A4%AA%E0%A5%8D%E0%A4%B0%E0%A4%A7%E0%A4%BE%E0%A4%A8%E0%A4%AE%E0%A4%82%E0%A4%A4%E0%A5%8D%E0%A4%B0%E0%A5%80_%E0%A4%86%E0%A4%B5%E0%A4%BE%E0%A4%B8_%E0%A4%AF%E0%A5%8B%E0%A4%9C%E0%A4%A8%E0%A4%BE_%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A4%BE_%E0%A4%B9%E0%A5%88\" >\ud83c\udfd8\ufe0f \u092a\u094d\u0930\u0927\u093e\u0928\u092e\u0902\u0924\u094d\u0930\u0940 \u0906\u0935\u093e\u0938 \u092f\u094b\u091c\u0928\u093e \u0915\u094d\u092f\u093e \u0939\u0948?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/famenest.com\/blog\/home-loan-kya-hota-hai\/#%E0%A4%AF%E0%A5%8B%E0%A4%9C%E0%A4%A8%E0%A4%BE_%E0%A4%95%E0%A5%87_%E0%A4%AA%E0%A5%8D%E0%A4%B0%E0%A4%95%E0%A4%BE%E0%A4%B0\" >\u092f\u094b\u091c\u0928\u093e \u0915\u0947 \u092a\u094d\u0930\u0915\u093e\u0930:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/famenest.com\/blog\/home-loan-kya-hota-hai\/#%E0%A4%87%E0%A4%B8%E0%A4%AE%E0%A5%87%E0%A4%82_%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A4%BE_%E0%A4%AE%E0%A4%BF%E0%A4%B2%E0%A4%A4%E0%A4%BE_%E0%A4%B9%E0%A5%88\" >\u0907\u0938\u092e\u0947\u0902 \u0915\u094d\u092f\u093e \u092e\u093f\u0932\u0924\u093e \u0939\u0948:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/famenest.com\/blog\/home-loan-kya-hota-hai\/#%F0%9F%92%B0_%E0%A4%B9%E0%A5%8B%E0%A4%AE_%E0%A4%B2%E0%A5%8B%E0%A4%A8_%E0%A4%B8%E0%A4%AC%E0%A5%8D%E0%A4%B8%E0%A4%BF%E0%A4%A1%E0%A5%80_%E0%A4%95%E0%A5%88%E0%A4%B8%E0%A5%87_%E0%A4%AE%E0%A4%BF%E0%A4%B2%E0%A5%87%E0%A4%97%E0%A5%80\" >\ud83d\udcb0 \u0939\u094b\u092e \u0932\u094b\u0928 \u0938\u092c\u094d\u0938\u093f\u0921\u0940 \u0915\u0948\u0938\u0947 \u092e\u093f\u0932\u0947\u0917\u0940?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/famenest.com\/blog\/home-loan-kya-hota-hai\/#%E0%A4%B8%E0%A4%AC%E0%A5%8D%E0%A4%B8%E0%A4%BF%E0%A4%A1%E0%A5%80_%E0%A4%95%E0%A5%80_%E0%A4%B5%E0%A4%BF%E0%A4%B6%E0%A5%87%E0%A4%B7%E0%A4%A4%E0%A4%BE%E0%A4%8F%E0%A4%82\" >\u0938\u092c\u094d\u0938\u093f\u0921\u0940 \u0915\u0940 \u0935\u093f\u0936\u0947\u0937\u0924\u093e\u090f\u0902:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/famenest.com\/blog\/home-loan-kya-hota-hai\/#%E0%A4%AA%E0%A4%BE%E0%A4%A4%E0%A5%8D%E0%A4%B0%E0%A4%A4%E0%A4%BE\" >\u092a\u093e\u0924\u094d\u0930\u0924\u093e:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/famenest.com\/blog\/home-loan-kya-hota-hai\/#%F0%9F%93%98_%E0%A4%B9%E0%A5%8B%E0%A4%AE_%E0%A4%B2%E0%A5%8B%E0%A4%A8_%E0%A4%95%E0%A5%87_%E0%A4%AC%E0%A4%BE%E0%A4%B0%E0%A5%87_%E0%A4%AE%E0%A5%87%E0%A4%82_%E0%A4%9C%E0%A4%BE%E0%A4%A8%E0%A4%95%E0%A4%BE%E0%A4%B0%E0%A5%80_%E0%A4%AE%E0%A4%B9%E0%A4%A4%E0%A5%8D%E0%A4%B5%E0%A4%AA%E0%A5%82%E0%A4%B0%E0%A5%8D%E0%A4%A3_%E0%A4%9F%E0%A4%BF%E0%A4%AA%E0%A5%8D%E0%A4%B8\" >\ud83d\udcd8 \u0939\u094b\u092e \u0932\u094b\u0928 \u0915\u0947 \u092c\u093e\u0930\u0947 \u092e\u0947\u0902 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 (\u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u091f\u093f\u092a\u094d\u0938)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/famenest.com\/blog\/home-loan-kya-hota-hai\/#%F0%9F%8F%81_%E0%A4%A8%E0%A4%BF%E0%A4%B7%E0%A5%8D%E0%A4%95%E0%A4%B0%E0%A5%8D%E0%A4%B7\" >\ud83c\udfc1 \u0928\u093f\u0937\u094d\u0915\u0930\u094d\u0937<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/famenest.com\/blog\/home-loan-kya-hota-hai\/#%F0%9F%93%A2_Final_Tip\" >\ud83d\udce2 Final Tip:<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%8F%A0_%E0%A4%B9%E0%A5%8B%E0%A4%AE_%E0%A4%B2%E0%A5%8B%E0%A4%A8_%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A4%BE_%E0%A4%B9%E0%A5%88_Home_loan_kya_hota_hai\"><\/span>\ud83c\udfe0 \u0939\u094b\u092e \u0932\u094b\u0928 \u0915\u094d\u092f\u093e \u0939\u0948? Home loan kya hota hai? <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u0939\u094b\u092e \u0932\u094b\u0928 \u0935\u0939 \u0930\u093e\u0936\u093f \u0939\u094b\u0924\u0940 \u0939\u0948 \u091c\u094b \u092c\u0948\u0902\u0915 \u092f\u093e \u092b\u093e\u0907\u0928\u0947\u0902\u0936\u093f\u092f\u0932 \u0938\u0902\u0938\u094d\u0925\u093e\u0928 \u0906\u092a\u0915\u094b \u0918\u0930 \u0916\u0930\u0940\u0926\u0928\u0947, \u092c\u0928\u093e\u0928\u0947 \u092f\u093e \u0930\u093f\u0928\u094b\u0935\u0947\u0936\u0928 \u0915\u0947 \u0932\u093f\u090f \u0926\u0947\u0924\u0947 \u0939\u0948\u0902\u0964 \u092f\u0939 \u090f\u0915 <strong>secured loan<\/strong> \u0939\u094b\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u092e\u0947\u0902 \u0906\u092a\u0915\u0940 \u092a\u094d\u0930\u0949\u092a\u0930\u094d\u091f\u0940 \u092c\u0948\u0902\u0915 \u0915\u0947 \u092a\u093e\u0938 \u0917\u093f\u0930\u0935\u0940 \u0930\u0939\u0924\u0940 \u0939\u0948 \u091c\u092c \u0924\u0915 \u0906\u092a \u092a\u0942\u0930\u093e \u0932\u094b\u0928 \u091a\u0941\u0915\u093e \u0928\u0939\u0940\u0902 \u0926\u0947\u0924\u0947\u0964<\/p>\n\n\n\n<p>\ud83d\udc49 \u0906\u0938\u093e\u0928 \u092d\u093e\u0937\u093e \u092e\u0947\u0902:<br><b>\u092c\u0948\u0902\u0915 \u0906\u092a\u0915\u094b \u0918\u0930 \u0916\u0930\u0940\u0926\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u092a\u0948\u0938\u093e \u0926\u0947\u0924\u093e \u0939\u0948 \u0914\u0930 \u0906\u092a \u0909\u0938\u0947 EMI \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0935\u093e\u092a\u0938 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964<\/b><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%93%8A_%E0%A4%B9%E0%A5%8B%E0%A4%AE_%E0%A4%B2%E0%A5%8B%E0%A4%A8_%E0%A4%87%E0%A4%82%E0%A4%9F%E0%A4%B0%E0%A5%87%E0%A4%B8%E0%A5%8D%E0%A4%9F_%E0%A4%B0%E0%A5%87%E0%A4%9F\"><\/span>\ud83d\udcca \u0939\u094b\u092e \u0932\u094b\u0928 \u0907\u0902\u091f\u0930\u0947\u0938\u094d\u091f \u0930\u0947\u091f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u0939\u094b\u092e \u0932\u094b\u0928 \u092a\u0930 \u092c\u0948\u0902\u0915 \u092c\u094d\u092f\u093e\u091c (Interest) \u0932\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948, \u091c\u094b \u0906\u092a\u0915\u0940 EMI \u0915\u094b \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%AE%E0%A5%81%E0%A4%96%E0%A5%8D%E0%A4%AF_%E0%A4%AA%E0%A5%8D%E0%A4%B0%E0%A4%95%E0%A4%BE%E0%A4%B0\"><\/span>\u092e\u0941\u0916\u094d\u092f \u092a\u094d\u0930\u0915\u093e\u0930:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u092b\u093f\u0915\u094d\u0938\u094d\u0921 \u0907\u0902\u091f\u0930\u0947\u0938\u094d\u091f \u0930\u0947\u091f<\/strong> \u2013 \u092a\u0942\u0930\u0940 \u0905\u0935\u0927\u093f \u092e\u0947\u0902 \u0938\u092e\u093e\u0928 \u0930\u0939\u0924\u093e \u0939\u0948<\/li>\n\n\n\n<li><strong>\u092b\u094d\u0932\u094b\u091f\u093f\u0902\u0917 \u0907\u0902\u091f\u0930\u0947\u0938\u094d\u091f \u0930\u0947\u091f<\/strong> \u2013 \u092e\u093e\u0930\u094d\u0915\u0947\u091f \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930 \u092c\u0926\u0932\u0924\u093e \u0930\u0939\u0924\u093e \u0939\u0948<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%AD%E0%A4%BE%E0%A4%B0%E0%A4%A4_%E0%A4%AE%E0%A5%87%E0%A4%82_%E0%A4%B8%E0%A4%BE%E0%A4%AE%E0%A4%BE%E0%A4%A8%E0%A5%8D%E0%A4%AF_%E0%A4%B0%E0%A5%87%E0%A4%82%E0%A4%9C\"><\/span>\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0938\u093e\u092e\u093e\u0928\u094d\u092f \u0930\u0947\u0902\u091c:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0932\u0917\u092d\u0917 <strong>8% \u0938\u0947 10.5%<\/strong> (\u092c\u0948\u0902\u0915 \u0914\u0930 \u092a\u094d\u0930\u094b\u092b\u093e\u0907\u0932 \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%95%E0%A4%BF%E0%A4%A8_%E0%A4%AC%E0%A4%BE%E0%A4%A4%E0%A5%8B%E0%A4%82_%E0%A4%AA%E0%A4%B0_%E0%A4%A8%E0%A4%BF%E0%A4%B0%E0%A5%8D%E0%A4%AD%E0%A4%B0_%E0%A4%95%E0%A4%B0%E0%A4%A4%E0%A4%BE_%E0%A4%B9%E0%A5%88\"><\/span>\u0915\u093f\u0928 \u092c\u093e\u0924\u094b\u0902 \u092a\u0930 \u0928\u093f\u0930\u094d\u092d\u0930 \u0915\u0930\u0924\u093e \u0939\u0948:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0906\u092a\u0915\u0940 CIBIL \u0938\u094d\u0915\u094b\u0930<\/li>\n\n\n\n<li>\u0906\u092f (Income)<\/li>\n\n\n\n<li>\u0928\u094c\u0915\u0930\u0940 \u092f\u093e \u0935\u094d\u092f\u0935\u0938\u093e\u092f<\/li>\n\n\n\n<li>\u0932\u094b\u0928 \u0905\u092e\u093e\u0909\u0902\u091f \u0914\u0930 \u0905\u0935\u0927\u093f<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%8F%A6_%E0%A4%B9%E0%A5%8B%E0%A4%AE_%E0%A4%B2%E0%A5%8B%E0%A4%A8_%E0%A4%95%E0%A5%88%E0%A4%B8%E0%A5%87_%E0%A4%AE%E0%A4%BF%E0%A4%B2%E0%A4%A4%E0%A4%BE_%E0%A4%B9%E0%A5%88_Home_loan_kaise_milta_hai\"><\/span>\ud83c\udfe6 \u0939\u094b\u092e \u0932\u094b\u0928 \u0915\u0948\u0938\u0947 \u092e\u093f\u0932\u0924\u093e \u0939\u0948? Home loan kaise milta hai?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u0939\u094b\u092e \u0932\u094b\u0928 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0906\u092a\u0915\u094b \u092c\u0948\u0902\u0915 \u0915\u0940 eligibility criteria \u0915\u094b \u092a\u0942\u0930\u093e \u0915\u0930\u0928\u093e \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%B8%E0%A4%BE%E0%A4%AE%E0%A4%BE%E0%A4%A8%E0%A5%8D%E0%A4%AF_%E0%A4%B6%E0%A4%B0%E0%A5%8D%E0%A4%A4%E0%A5%87%E0%A4%82\"><\/span>\u0938\u093e\u092e\u093e\u0928\u094d\u092f \u0936\u0930\u094d\u0924\u0947\u0902:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0906\u092f\u0941: 21 \u0938\u0947 65 \u0935\u0930\u094d\u0937<\/li>\n\n\n\n<li>\u0938\u094d\u0925\u093f\u0930 \u0906\u092f (\u0928\u094c\u0915\u0930\u0940\/\u0935\u094d\u092f\u0935\u0938\u093e\u092f)<\/li>\n\n\n\n<li>\u0905\u091a\u094d\u091b\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0938\u094d\u0915\u094b\u0930 (750+ \u092c\u0947\u0939\u0924\u0930)<\/li>\n\n\n\n<li>EMI \u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u0940 \u0915\u094d\u0937\u092e\u0924\u093e<\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udc49 \u092c\u0948\u0902\u0915 \u0906\u092a\u0915\u0940 <strong>repayment capacity<\/strong> \u0926\u0947\u0916\u0915\u0930 \u0932\u094b\u0928 \u0905\u092a\u094d\u0930\u0942\u0935 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/famenest.com\/blog\/wp-content\/uploads\/2026\/04\/RDw-UVvom5V6BJJcReum-rTvGvD8p-X08viBfvFI-_zIyt0776VIeqUXKo08HkL832GnrrClqQx04tKeop71ly2Wx-CVJ4vIAD06BsrdHmVX_Qeo76rZRYFecTieQVcIQz3SahTux70AsEWYC55eZCxJvurAc8dEZ8QD5JqtLaMedednLyFTa16GtsKpF0pW-1024x683.jpg\" alt=\"\" class=\"wp-image-209\" srcset=\"https:\/\/famenest.com\/blog\/wp-content\/uploads\/2026\/04\/RDw-UVvom5V6BJJcReum-rTvGvD8p-X08viBfvFI-_zIyt0776VIeqUXKo08HkL832GnrrClqQx04tKeop71ly2Wx-CVJ4vIAD06BsrdHmVX_Qeo76rZRYFecTieQVcIQz3SahTux70AsEWYC55eZCxJvurAc8dEZ8QD5JqtLaMedednLyFTa16GtsKpF0pW-1024x683.jpg 1024w, https:\/\/famenest.com\/blog\/wp-content\/uploads\/2026\/04\/RDw-UVvom5V6BJJcReum-rTvGvD8p-X08viBfvFI-_zIyt0776VIeqUXKo08HkL832GnrrClqQx04tKeop71ly2Wx-CVJ4vIAD06BsrdHmVX_Qeo76rZRYFecTieQVcIQz3SahTux70AsEWYC55eZCxJvurAc8dEZ8QD5JqtLaMedednLyFTa16GtsKpF0pW-300x200.jpg 300w, https:\/\/famenest.com\/blog\/wp-content\/uploads\/2026\/04\/RDw-UVvom5V6BJJcReum-rTvGvD8p-X08viBfvFI-_zIyt0776VIeqUXKo08HkL832GnrrClqQx04tKeop71ly2Wx-CVJ4vIAD06BsrdHmVX_Qeo76rZRYFecTieQVcIQz3SahTux70AsEWYC55eZCxJvurAc8dEZ8QD5JqtLaMedednLyFTa16GtsKpF0pW-768x512.jpg 768w, https:\/\/famenest.com\/blog\/wp-content\/uploads\/2026\/04\/RDw-UVvom5V6BJJcReum-rTvGvD8p-X08viBfvFI-_zIyt0776VIeqUXKo08HkL832GnrrClqQx04tKeop71ly2Wx-CVJ4vIAD06BsrdHmVX_Qeo76rZRYFecTieQVcIQz3SahTux70AsEWYC55eZCxJvurAc8dEZ8QD5JqtLaMedednLyFTa16GtsKpF0pW-1536x1024.jpg 1536w, https:\/\/famenest.com\/blog\/wp-content\/uploads\/2026\/04\/RDw-UVvom5V6BJJcReum-rTvGvD8p-X08viBfvFI-_zIyt0776VIeqUXKo08HkL832GnrrClqQx04tKeop71ly2Wx-CVJ4vIAD06BsrdHmVX_Qeo76rZRYFecTieQVcIQz3SahTux70AsEWYC55eZCxJvurAc8dEZ8QD5JqtLaMedednLyFTa16GtsKpF0pW.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%93%91_%E0%A4%B9%E0%A5%8B%E0%A4%AE_%E0%A4%B2%E0%A5%8B%E0%A4%A8_%E0%A4%95%E0%A5%87_%E0%A4%B2%E0%A4%BF%E0%A4%8F_%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A4%BE_%E0%A4%A1%E0%A5%89%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A5%82%E0%A4%AE%E0%A5%87%E0%A4%82%E0%A4%9F_%E0%A4%9A%E0%A4%BE%E0%A4%B9%E0%A4%BF%E0%A4%8F\"><\/span>\ud83d\udcd1 \u0939\u094b\u092e \u0932\u094b\u0928 \u0915\u0947 \u0932\u093f\u090f \u0915\u094d\u092f\u093e \u0921\u0949\u0915\u094d\u092f\u0942\u092e\u0947\u0902\u091f \u091a\u093e\u0939\u093f\u090f?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u0939\u094b\u092e \u0932\u094b\u0928 \u0915\u0947 \u0932\u093f\u090f \u0915\u0941\u091b \u091c\u0930\u0942\u0930\u0940 \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u093c \u091c\u092e\u093e \u0915\u0930\u0928\u0947 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%91%A4_%E0%A4%B5%E0%A5%8D%E0%A4%AF%E0%A4%95%E0%A5%8D%E0%A4%A4%E0%A4%BF%E0%A4%97%E0%A4%A4_%E0%A4%A1%E0%A5%89%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A5%82%E0%A4%AE%E0%A5%87%E0%A4%82%E0%A4%9F\"><\/span>\ud83d\udc64 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u0921\u0949\u0915\u094d\u092f\u0942\u092e\u0947\u0902\u091f:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0906\u0927\u093e\u0930 \u0915\u093e\u0930\u094d\u0921 \/ \u092a\u0948\u0928 \u0915\u093e\u0930\u094d\u0921<\/li>\n\n\n\n<li>\u092a\u093e\u0938\u092a\u094b\u0930\u094d\u091f \u0938\u093e\u0907\u091c \u092b\u094b\u091f\u094b<\/li>\n\n\n\n<li>\u090f\u0921\u094d\u0930\u0947\u0938 \u092a\u094d\u0930\u0942\u092b<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%92%BC_%E0%A4%86%E0%A4%AF_%E0%A4%95%E0%A5%87_%E0%A4%A1%E0%A5%89%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A5%82%E0%A4%AE%E0%A5%87%E0%A4%82%E0%A4%9F\"><\/span>\ud83d\udcbc \u0906\u092f \u0915\u0947 \u0921\u0949\u0915\u094d\u092f\u0942\u092e\u0947\u0902\u091f:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0938\u0948\u0932\u0930\u0940 \u0938\u094d\u0932\u093f\u092a (Last 3\u20136 months)<\/li>\n\n\n\n<li>\u092c\u0948\u0902\u0915 \u0938\u094d\u091f\u0947\u091f\u092e\u0947\u0902\u091f<\/li>\n\n\n\n<li>ITR (Income Tax Return)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%8F%A1_%E0%A4%AA%E0%A5%8D%E0%A4%B0%E0%A5%89%E0%A4%AA%E0%A4%B0%E0%A5%8D%E0%A4%9F%E0%A5%80_%E0%A4%A1%E0%A5%89%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A5%82%E0%A4%AE%E0%A5%87%E0%A4%82%E0%A4%9F\"><\/span>\ud83c\udfe1 \u092a\u094d\u0930\u0949\u092a\u0930\u094d\u091f\u0940 \u0921\u0949\u0915\u094d\u092f\u0942\u092e\u0947\u0902\u091f:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0938\u0947\u0932 \u090f\u0917\u094d\u0930\u0940\u092e\u0947\u0902\u091f<\/li>\n\n\n\n<li>\u092a\u094d\u0930\u0949\u092a\u0930\u094d\u091f\u0940 \u091f\u093e\u0907\u091f\u0932<\/li>\n\n\n\n<li>NOC \/ RERA details<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%9A%99%EF%B8%8F_%E0%A4%B9%E0%A5%8B%E0%A4%AE_%E0%A4%B2%E0%A5%8B%E0%A4%A8_%E0%A4%95%E0%A5%87_%E0%A4%B2%E0%A4%BF%E0%A4%8F_%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A4%BE_%E0%A4%95%E0%A4%B0%E0%A4%A8%E0%A4%BE_%E0%A4%AA%E0%A4%A1%E0%A4%BC%E0%A4%A4%E0%A4%BE_%E0%A4%B9%E0%A5%88\"><\/span>\u2699\ufe0f \u0939\u094b\u092e \u0932\u094b\u0928 \u0915\u0947 \u0932\u093f\u090f \u0915\u094d\u092f\u093e \u0915\u0930\u0928\u093e \u092a\u0921\u093c\u0924\u093e \u0939\u0948?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u0939\u094b\u092e \u0932\u094b\u0928 \u0932\u0947\u0928\u0947 \u0915\u0940 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u092e\u0947\u0902 \u0915\u0941\u091b \u0938\u094d\u091f\u0947\u092a\u094d\u0938 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0905\u092a\u0928\u0940 \u092c\u091c\u091f \u0914\u0930 EMI \u0915\u094d\u0937\u092e\u0924\u093e \u0924\u092f \u0915\u0930\u0947\u0902<\/li>\n\n\n\n<li>\u0938\u0939\u0940 \u092a\u094d\u0930\u0949\u092a\u0930\u094d\u091f\u0940 \u0915\u093e \u091a\u092f\u0928 \u0915\u0930\u0947\u0902<\/li>\n\n\n\n<li>\u092c\u0948\u0902\u0915 \u092f\u093e NBFC \u091a\u0941\u0928\u0947\u0902<\/li>\n\n\n\n<li>\u0921\u0949\u0915\u094d\u092f\u0942\u092e\u0947\u0902\u091f\u094d\u0938 \u0924\u0948\u092f\u093e\u0930 \u0930\u0916\u0947\u0902<\/li>\n\n\n\n<li>\u0932\u094b\u0928 \u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0947\u0926\u0928 \u0915\u0930\u0947\u0902<\/li>\n\n\n\n<li>\u092c\u0948\u0902\u0915 verification \u0914\u0930 approval<\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udc49 \u0907\u0938\u0915\u0947 \u092c\u093e\u0926 \u0932\u094b\u0928 amount \u0906\u092a\u0915\u0947 \u0916\u093e\u0924\u0947 \u092f\u093e builder \u0915\u094b disburse \u0915\u0930 \u0926\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%93%9D_%E0%A4%B9%E0%A5%8B%E0%A4%AE_%E0%A4%B2%E0%A5%8B%E0%A4%A8_%E0%A4%95%E0%A5%87_%E0%A4%B2%E0%A4%BF%E0%A4%8F_%E0%A4%95%E0%A5%88%E0%A4%B8%E0%A5%87_%E0%A4%85%E0%A4%AA%E0%A5%8D%E0%A4%B2%E0%A4%BE%E0%A4%88_%E0%A4%95%E0%A4%B0%E0%A5%87%E0%A4%82\"><\/span>\ud83d\udcdd \u0939\u094b\u092e \u0932\u094b\u0928 \u0915\u0947 \u0932\u093f\u090f \u0915\u0948\u0938\u0947 \u0905\u092a\u094d\u0932\u093e\u0908 \u0915\u0930\u0947\u0902?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u0906\u092a \u0939\u094b\u092e \u0932\u094b\u0928 \u0915\u0947 \u0932\u093f\u090f \u0911\u0928\u0932\u093e\u0907\u0928 \u0914\u0930 \u0911\u092b\u0932\u093e\u0907\u0928 \u0926\u094b\u0928\u094b\u0902 \u0924\u0930\u0940\u0915\u0947 \u0938\u0947 \u0906\u0935\u0947\u0926\u0928 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%93%8C_Online_Process\"><\/span>\ud83d\udccc Online Process:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u092c\u0948\u0902\u0915 \u0915\u0940 \u0935\u0947\u092c\u0938\u093e\u0907\u091f \u092a\u0930 \u091c\u093e\u090f\u0902<\/li>\n\n\n\n<li>\u0906\u0935\u0947\u0926\u0928 \u092b\u0949\u0930\u094d\u092e \u092d\u0930\u0947\u0902<\/li>\n\n\n\n<li>\u0921\u0949\u0915\u094d\u092f\u0942\u092e\u0947\u0902\u091f \u0905\u092a\u0932\u094b\u0921 \u0915\u0930\u0947\u0902<\/li>\n\n\n\n<li>approval \u0915\u093e \u0907\u0902\u0924\u091c\u093e\u0930 \u0915\u0930\u0947\u0902<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%93%8C_Offline_Process\"><\/span>\ud83d\udccc Offline Process:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0928\u091c\u0926\u0940\u0915\u0940 \u092c\u0948\u0902\u0915 \u0936\u093e\u0916\u093e \u092e\u0947\u0902 \u091c\u093e\u090f\u0902<\/li>\n\n\n\n<li>\u092b\u0949\u0930\u094d\u092e \u092d\u0930\u0947\u0902<\/li>\n\n\n\n<li>\u0921\u0949\u0915\u094d\u092f\u0942\u092e\u0947\u0902\u091f \u091c\u092e\u093e \u0915\u0930\u0947\u0902<\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udc49 \u0906\u091c\u0915\u0932 \u0915\u0908 \u092a\u094d\u0932\u0947\u091f\u092b\u0949\u0930\u094d\u092e \u091c\u0948\u0938\u0947 HDFC Bank, State Bank of India \u0914\u0930 ICICI Bank \u0906\u0938\u093e\u0928 \u0939\u094b\u092e \u0932\u094b\u0928 \u0938\u0941\u0935\u093f\u0927\u093e \u0926\u0947\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%93%9C_%E0%A4%B9%E0%A5%8B%E0%A4%AE_%E0%A4%B2%E0%A5%8B%E0%A4%A8_%E0%A4%95%E0%A5%87_%E0%A4%A8%E0%A4%BF%E0%A4%AF%E0%A4%AE\"><\/span>\ud83d\udcdc \u0939\u094b\u092e \u0932\u094b\u0928 \u0915\u0947 \u0928\u093f\u092f\u092e<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u0939\u094b\u092e \u0932\u094b\u0928 \u0932\u0947\u0928\u0947 \u0938\u0947 \u092a\u0939\u0932\u0947 \u0915\u0941\u091b \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u0928\u093f\u092f\u092e \u0938\u092e\u091d\u0928\u093e \u091c\u0930\u0942\u0930\u0940 \u0939\u0948:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>EMI \u0938\u092e\u092f \u092a\u0930 \u092d\u0930\u0928\u093e \u0905\u0928\u093f\u0935\u093e\u0930\u094d\u092f \u0939\u0948<\/li>\n\n\n\n<li>\u0921\u093f\u092b\u0949\u0932\u094d\u091f \u0939\u094b\u0928\u0947 \u092a\u0930 \u092a\u0947\u0928\u0932\u094d\u091f\u0940 \u0932\u0917\u0924\u0940 \u0939\u0948<\/li>\n\n\n\n<li>\u092a\u094d\u0930\u0949\u092a\u0930\u094d\u091f\u0940 \u092c\u0948\u0902\u0915 \u0915\u0947 \u092a\u093e\u0938 \u0917\u093f\u0930\u0935\u0940 \u0930\u0939\u0924\u0940 \u0939\u0948<\/li>\n\n\n\n<li>\u092a\u094d\u0930\u0940\u092a\u0947\u092e\u0947\u0902\u091f\/\u092b\u094b\u0930\u0915\u094d\u0932\u094b\u091c\u0930 \u091a\u093e\u0930\u094d\u091c \u0939\u094b \u0938\u0915\u0924\u0947 \u0939\u0948\u0902 (\u0915\u0941\u091b \u092e\u093e\u092e\u0932\u094b\u0902 \u092e\u0947\u0902 \u0928\u0939\u0940\u0902)<\/li>\n\n\n\n<li>\u0907\u0902\u0936\u094d\u092f\u094b\u0930\u0947\u0902\u0938 \u0932\u0947\u0928\u093e \u091c\u0930\u0942\u0930\u0940 \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%91%A9_%E0%A4%AE%E0%A4%B9%E0%A4%BF%E0%A4%B2%E0%A4%BE%E0%A4%93%E0%A4%82_%E0%A4%95%E0%A5%87_%E0%A4%B2%E0%A4%BF%E0%A4%8F_%E0%A4%B9%E0%A5%8B%E0%A4%AE_%E0%A4%B2%E0%A5%8B%E0%A4%A8\"><\/span>\ud83d\udc69 \u092e\u0939\u093f\u0932\u093e\u0913\u0902 \u0915\u0947 \u0932\u093f\u090f \u0939\u094b\u092e \u0932\u094b\u0928<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u092e\u0939\u093f\u0932\u093e\u0913\u0902 \u0915\u094b \u0939\u094b\u092e \u0932\u094b\u0928 \u092e\u0947\u0902 \u0915\u0908 \u092b\u093e\u092f\u0926\u0947 \u0926\u093f\u090f \u091c\u093e\u0924\u0947 \u0939\u0948\u0902:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%9C%85_%E0%A4%AA%E0%A5%8D%E0%A4%B0%E0%A4%AE%E0%A5%81%E0%A4%96_%E0%A4%B2%E0%A4%BE%E0%A4%AD\"><\/span>\u2705 \u092a\u094d\u0930\u092e\u0941\u0916 \u0932\u093e\u092d:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0915\u092e \u092c\u094d\u092f\u093e\u091c \u0926\u0930 (0.05%\u20130.1% \u0924\u0915 \u0915\u092e)<\/li>\n\n\n\n<li>\u0938\u094d\u091f\u093e\u0902\u092a \u0921\u094d\u092f\u0942\u091f\u0940 \u092e\u0947\u0902 \u091b\u0942\u091f<\/li>\n\n\n\n<li>\u0906\u0938\u093e\u0928 approval<\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udc49 \u0905\u0917\u0930 \u0918\u0930 \u092e\u0939\u093f\u0932\u093e \u0915\u0947 \u0928\u093e\u092e \u092a\u0930 \u0932\u093f\u092f\u093e \u091c\u093e\u090f, \u0924\u094b \u092f\u0939 \u0906\u0930\u094d\u0925\u093f\u0915 \u0930\u0942\u092a \u0938\u0947 \u091c\u094d\u092f\u093e\u0926\u093e \u092b\u093e\u092f\u0926\u0947\u092e\u0902\u0926 \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/famenest.com\/blog\/wp-content\/uploads\/2026\/04\/cPUhDRgfsV7n_whzMR1DoYCZWl38QSydbpRBeNT0RFp0QUVot5qNQRdCiW5jdGuxpYYgV3q7uVzeUmHVgl7JJJiVZG4uyi_8n13u4cga4S4ToU4Zj8soxmATAJgHr_xr0p1GNy58lIa1rVlzrY_zGIGxg9YBnqD0QxMv39daFSFYVgtcrYX5_5Ii0hduNIlM-1024x683.jpg\" alt=\"\" class=\"wp-image-211\" srcset=\"https:\/\/famenest.com\/blog\/wp-content\/uploads\/2026\/04\/cPUhDRgfsV7n_whzMR1DoYCZWl38QSydbpRBeNT0RFp0QUVot5qNQRdCiW5jdGuxpYYgV3q7uVzeUmHVgl7JJJiVZG4uyi_8n13u4cga4S4ToU4Zj8soxmATAJgHr_xr0p1GNy58lIa1rVlzrY_zGIGxg9YBnqD0QxMv39daFSFYVgtcrYX5_5Ii0hduNIlM-1024x683.jpg 1024w, https:\/\/famenest.com\/blog\/wp-content\/uploads\/2026\/04\/cPUhDRgfsV7n_whzMR1DoYCZWl38QSydbpRBeNT0RFp0QUVot5qNQRdCiW5jdGuxpYYgV3q7uVzeUmHVgl7JJJiVZG4uyi_8n13u4cga4S4ToU4Zj8soxmATAJgHr_xr0p1GNy58lIa1rVlzrY_zGIGxg9YBnqD0QxMv39daFSFYVgtcrYX5_5Ii0hduNIlM-300x200.jpg 300w, https:\/\/famenest.com\/blog\/wp-content\/uploads\/2026\/04\/cPUhDRgfsV7n_whzMR1DoYCZWl38QSydbpRBeNT0RFp0QUVot5qNQRdCiW5jdGuxpYYgV3q7uVzeUmHVgl7JJJiVZG4uyi_8n13u4cga4S4ToU4Zj8soxmATAJgHr_xr0p1GNy58lIa1rVlzrY_zGIGxg9YBnqD0QxMv39daFSFYVgtcrYX5_5Ii0hduNIlM-768x512.jpg 768w, https:\/\/famenest.com\/blog\/wp-content\/uploads\/2026\/04\/cPUhDRgfsV7n_whzMR1DoYCZWl38QSydbpRBeNT0RFp0QUVot5qNQRdCiW5jdGuxpYYgV3q7uVzeUmHVgl7JJJiVZG4uyi_8n13u4cga4S4ToU4Zj8soxmATAJgHr_xr0p1GNy58lIa1rVlzrY_zGIGxg9YBnqD0QxMv39daFSFYVgtcrYX5_5Ii0hduNIlM-1536x1024.jpg 1536w, https:\/\/famenest.com\/blog\/wp-content\/uploads\/2026\/04\/cPUhDRgfsV7n_whzMR1DoYCZWl38QSydbpRBeNT0RFp0QUVot5qNQRdCiW5jdGuxpYYgV3q7uVzeUmHVgl7JJJiVZG4uyi_8n13u4cga4S4ToU4Zj8soxmATAJgHr_xr0p1GNy58lIa1rVlzrY_zGIGxg9YBnqD0QxMv39daFSFYVgtcrYX5_5Ii0hduNIlM.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%AA%E0%A5%8D%E0%A4%B0%E0%A4%A7%E0%A4%BE%E0%A4%A8%E0%A4%AE%E0%A4%82%E0%A4%A4%E0%A5%8D%E0%A4%B0%E0%A5%80_%E0%A4%B9%E0%A5%8B%E0%A4%AE_%E0%A4%B2%E0%A5%8B%E0%A4%A8_%E0%A4%95%E0%A5%88%E0%A4%B8%E0%A5%87_%E0%A4%AE%E0%A4%BF%E0%A4%B2%E0%A4%A4%E0%A4%BE_%E0%A4%B9%E0%A5%88\"><\/span>\u092a\u094d\u0930\u0927\u093e\u0928\u092e\u0902\u0924\u094d\u0930\u0940 \u0939\u094b\u092e \u0932\u094b\u0928 \u0915\u0948\u0938\u0947 \u092e\u093f\u0932\u0924\u093e \u0939\u0948?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u0938\u0930\u0915\u093e\u0930 \u0926\u094d\u0935\u093e\u0930\u093e \u091a\u0932\u093e\u0908 \u091c\u093e \u0930\u0939\u0940 \u092f\u094b\u091c\u0928\u093e\u0913\u0902 \u0915\u0947 \u0924\u0939\u0924 \u0939\u094b\u092e \u0932\u094b\u0928 \u092a\u0930 \u0938\u092c\u094d\u0938\u093f\u0921\u0940 \u092e\u093f\u0932 \u0938\u0915\u0924\u0940 \u0939\u0948\u0964<\/p>\n\n\n\n<p>\ud83d\udc49 \u0907\u0938\u0915\u0947 \u0932\u093f\u090f \u0906\u092a\u0915\u094b \u0938\u0930\u0915\u093e\u0930\u0940 \u092f\u094b\u091c\u0928\u093e \u0915\u0947 \u0924\u0939\u0924 \u0906\u0935\u0947\u0926\u0928 \u0915\u0930\u0928\u093e \u0939\u094b\u0924\u093e \u0939\u0948, \u091c\u0948\u0938\u0947:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%94%B9_Pradhan_Mantri_Awas_Yojana\"><\/span>\ud83d\udd39 Pradhan Mantri Awas Yojana<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%8F%98%EF%B8%8F_%E0%A4%AA%E0%A5%8D%E0%A4%B0%E0%A4%A7%E0%A4%BE%E0%A4%A8%E0%A4%AE%E0%A4%82%E0%A4%A4%E0%A5%8D%E0%A4%B0%E0%A5%80_%E0%A4%86%E0%A4%B5%E0%A4%BE%E0%A4%B8_%E0%A4%AF%E0%A5%8B%E0%A4%9C%E0%A4%A8%E0%A4%BE_%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A4%BE_%E0%A4%B9%E0%A5%88\"><\/span>\ud83c\udfd8\ufe0f \u092a\u094d\u0930\u0927\u093e\u0928\u092e\u0902\u0924\u094d\u0930\u0940 \u0906\u0935\u093e\u0938 \u092f\u094b\u091c\u0928\u093e \u0915\u094d\u092f\u093e \u0939\u0948?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>\u092a\u094d\u0930\u0927\u093e\u0928\u092e\u0902\u0924\u094d\u0930\u0940 \u0906\u0935\u093e\u0938 \u092f\u094b\u091c\u0928\u093e (PMAY)<\/strong> \u0915\u093e \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f \u0939\u0930 \u0928\u093e\u0917\u0930\u093f\u0915 \u0915\u094b \u0938\u0938\u094d\u0924\u093e \u0918\u0930 \u0909\u092a\u0932\u092c\u094d\u0927 \u0915\u0930\u093e\u0928\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%AF%E0%A5%8B%E0%A4%9C%E0%A4%A8%E0%A4%BE_%E0%A4%95%E0%A5%87_%E0%A4%AA%E0%A5%8D%E0%A4%B0%E0%A4%95%E0%A4%BE%E0%A4%B0\"><\/span>\u092f\u094b\u091c\u0928\u093e \u0915\u0947 \u092a\u094d\u0930\u0915\u093e\u0930:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>PMAY Urban<\/li>\n\n\n\n<li>PMAY Gramin<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%87%E0%A4%B8%E0%A4%AE%E0%A5%87%E0%A4%82_%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A4%BE_%E0%A4%AE%E0%A4%BF%E0%A4%B2%E0%A4%A4%E0%A4%BE_%E0%A4%B9%E0%A5%88\"><\/span>\u0907\u0938\u092e\u0947\u0902 \u0915\u094d\u092f\u093e \u092e\u093f\u0932\u0924\u093e \u0939\u0948:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0939\u094b\u092e \u0932\u094b\u0928 \u092a\u0930 \u092c\u094d\u092f\u093e\u091c \u0938\u092c\u094d\u0938\u093f\u0921\u0940<\/li>\n\n\n\n<li>\u0906\u0930\u094d\u0925\u093f\u0915 \u0930\u0942\u092a \u0938\u0947 \u0915\u092e\u091c\u094b\u0930 \u0935\u0930\u094d\u0917 (EWS) \u0914\u0930 \u092e\u0927\u094d\u092f\u092e \u0935\u0930\u094d\u0917 (MIG) \u0915\u094b \u0932\u093e\u092d<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%92%B0_%E0%A4%B9%E0%A5%8B%E0%A4%AE_%E0%A4%B2%E0%A5%8B%E0%A4%A8_%E0%A4%B8%E0%A4%AC%E0%A5%8D%E0%A4%B8%E0%A4%BF%E0%A4%A1%E0%A5%80_%E0%A4%95%E0%A5%88%E0%A4%B8%E0%A5%87_%E0%A4%AE%E0%A4%BF%E0%A4%B2%E0%A5%87%E0%A4%97%E0%A5%80\"><\/span>\ud83d\udcb0 \u0939\u094b\u092e \u0932\u094b\u0928 \u0938\u092c\u094d\u0938\u093f\u0921\u0940 \u0915\u0948\u0938\u0947 \u092e\u093f\u0932\u0947\u0917\u0940?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>PMAY \u0915\u0947 \u0924\u0939\u0924 \u0906\u092a\u0915\u094b \u092c\u094d\u092f\u093e\u091c \u092a\u0930 \u0938\u092c\u094d\u0938\u093f\u0921\u0940 \u092e\u093f\u0932\u0924\u0940 \u0939\u0948:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%B8%E0%A4%AC%E0%A5%8D%E0%A4%B8%E0%A4%BF%E0%A4%A1%E0%A5%80_%E0%A4%95%E0%A5%80_%E0%A4%B5%E0%A4%BF%E0%A4%B6%E0%A5%87%E0%A4%B7%E0%A4%A4%E0%A4%BE%E0%A4%8F%E0%A4%82\"><\/span>\u0938\u092c\u094d\u0938\u093f\u0921\u0940 \u0915\u0940 \u0935\u093f\u0936\u0947\u0937\u0924\u093e\u090f\u0902:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>3% \u0938\u0947 6.5% \u0924\u0915 \u0915\u0940 \u092c\u094d\u092f\u093e\u091c \u091b\u0942\u091f<\/li>\n\n\n\n<li>\u0938\u0940\u0927\u0947 \u0932\u094b\u0928 \u0905\u092e\u093e\u0909\u0902\u091f \u092e\u0947\u0902 \u090f\u0921\u091c\u0938\u094d\u091f \u0939\u094b\u0924\u0940 \u0939\u0948<\/li>\n\n\n\n<li>EMI \u0915\u092e \u0939\u094b \u091c\u093e\u0924\u0940 \u0939\u0948<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%AA%E0%A4%BE%E0%A4%A4%E0%A5%8D%E0%A4%B0%E0%A4%A4%E0%A4%BE\"><\/span>\u092a\u093e\u0924\u094d\u0930\u0924\u093e:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u092a\u0939\u0932\u0940 \u092c\u093e\u0930 \u0918\u0930 \u0916\u0930\u0940\u0926\u0928\u0947 \u0935\u093e\u0932\u0947<\/li>\n\n\n\n<li>\u0906\u092f \u0935\u0930\u094d\u0917 \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930 eligibility<\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udc49 \u0907\u0938\u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0947\u0926\u0928 \u092c\u0948\u0902\u0915 \u092f\u093e CSC \u0938\u0947\u0902\u091f\u0930 \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u0915\u093f\u092f\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/famenest.com\/blog\/wp-content\/uploads\/2026\/04\/QRsxDqqYeKl47uTQfRfmjGkLhf5GpRg-T7dnEVSLQBf__j-kW9Sk-fb5zQ_TXgfQs1TT0OeY34R8nQI9YuyYo-qoZTVgmXtB0yDeCr2wa12fIY7YrC_C3NvxSIvmkVtpihYVtb2eYcLlHFs2JchjW3ssSs6zjSTeT3e5Wa1A-zUfjQdKwPNYdn0rPcQEdoav-1024x768.jpg\" alt=\"\" class=\"wp-image-210\" srcset=\"https:\/\/famenest.com\/blog\/wp-content\/uploads\/2026\/04\/QRsxDqqYeKl47uTQfRfmjGkLhf5GpRg-T7dnEVSLQBf__j-kW9Sk-fb5zQ_TXgfQs1TT0OeY34R8nQI9YuyYo-qoZTVgmXtB0yDeCr2wa12fIY7YrC_C3NvxSIvmkVtpihYVtb2eYcLlHFs2JchjW3ssSs6zjSTeT3e5Wa1A-zUfjQdKwPNYdn0rPcQEdoav-1024x768.jpg 1024w, https:\/\/famenest.com\/blog\/wp-content\/uploads\/2026\/04\/QRsxDqqYeKl47uTQfRfmjGkLhf5GpRg-T7dnEVSLQBf__j-kW9Sk-fb5zQ_TXgfQs1TT0OeY34R8nQI9YuyYo-qoZTVgmXtB0yDeCr2wa12fIY7YrC_C3NvxSIvmkVtpihYVtb2eYcLlHFs2JchjW3ssSs6zjSTeT3e5Wa1A-zUfjQdKwPNYdn0rPcQEdoav-300x225.jpg 300w, https:\/\/famenest.com\/blog\/wp-content\/uploads\/2026\/04\/QRsxDqqYeKl47uTQfRfmjGkLhf5GpRg-T7dnEVSLQBf__j-kW9Sk-fb5zQ_TXgfQs1TT0OeY34R8nQI9YuyYo-qoZTVgmXtB0yDeCr2wa12fIY7YrC_C3NvxSIvmkVtpihYVtb2eYcLlHFs2JchjW3ssSs6zjSTeT3e5Wa1A-zUfjQdKwPNYdn0rPcQEdoav-768x576.jpg 768w, https:\/\/famenest.com\/blog\/wp-content\/uploads\/2026\/04\/QRsxDqqYeKl47uTQfRfmjGkLhf5GpRg-T7dnEVSLQBf__j-kW9Sk-fb5zQ_TXgfQs1TT0OeY34R8nQI9YuyYo-qoZTVgmXtB0yDeCr2wa12fIY7YrC_C3NvxSIvmkVtpihYVtb2eYcLlHFs2JchjW3ssSs6zjSTeT3e5Wa1A-zUfjQdKwPNYdn0rPcQEdoav.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%93%98_%E0%A4%B9%E0%A5%8B%E0%A4%AE_%E0%A4%B2%E0%A5%8B%E0%A4%A8_%E0%A4%95%E0%A5%87_%E0%A4%AC%E0%A4%BE%E0%A4%B0%E0%A5%87_%E0%A4%AE%E0%A5%87%E0%A4%82_%E0%A4%9C%E0%A4%BE%E0%A4%A8%E0%A4%95%E0%A4%BE%E0%A4%B0%E0%A5%80_%E0%A4%AE%E0%A4%B9%E0%A4%A4%E0%A5%8D%E0%A4%B5%E0%A4%AA%E0%A5%82%E0%A4%B0%E0%A5%8D%E0%A4%A3_%E0%A4%9F%E0%A4%BF%E0%A4%AA%E0%A5%8D%E0%A4%B8\"><\/span>\ud83d\udcd8 \u0939\u094b\u092e \u0932\u094b\u0928 \u0915\u0947 \u092c\u093e\u0930\u0947 \u092e\u0947\u0902 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 (\u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u091f\u093f\u092a\u094d\u0938)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u0939\u094b\u092e \u0932\u094b\u0928 \u0932\u0947\u0928\u0947 \u0938\u0947 \u092a\u0939\u0932\u0947 \u0907\u0928 \u092c\u093e\u0924\u094b\u0902 \u0915\u093e \u0927\u094d\u092f\u093e\u0928 \u0930\u0916\u0947\u0902:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u2714\ufe0f \u0939\u092e\u0947\u0936\u093e EMI \u0905\u092a\u0928\u0940 \u0906\u092f \u0915\u0947 30\u201340% \u0938\u0947 \u091c\u094d\u092f\u093e\u0926\u093e \u0928 \u0930\u0916\u0947\u0902<\/li>\n\n\n\n<li>\u2714\ufe0f \u0905\u091a\u094d\u091b\u093e CIBIL \u0938\u094d\u0915\u094b\u0930 \u092c\u0928\u093e\u090f \u0930\u0916\u0947\u0902<\/li>\n\n\n\n<li>\u2714\ufe0f \u0905\u0932\u0917-\u0905\u0932\u0917 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u0940 \u0924\u0941\u0932\u0928\u093e \u0915\u0930\u0947\u0902<\/li>\n\n\n\n<li>\u2714\ufe0f \u091b\u093f\u092a\u0947 \u0939\u0941\u090f \u091a\u093e\u0930\u094d\u091c (Hidden Charges) \u091c\u0930\u0942\u0930 \u091c\u093e\u0902\u091a\u0947\u0902<\/li>\n\n\n\n<li>\u2714\ufe0f \u092a\u094d\u0930\u0949\u092a\u0930\u094d\u091f\u0940 \u0915\u0940 legal \u091c\u093e\u0902\u091a \u0915\u0930\u0947\u0902<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%8F%81_%E0%A4%A8%E0%A4%BF%E0%A4%B7%E0%A5%8D%E0%A4%95%E0%A4%B0%E0%A5%8D%E0%A4%B7\"><\/span>\ud83c\udfc1 \u0928\u093f\u0937\u094d\u0915\u0930\u094d\u0937<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u0939\u094b\u092e \u0932\u094b\u0928 \u090f\u0915 \u092c\u0921\u093c\u0940 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u091c\u093f\u092e\u094d\u092e\u0947\u0926\u093e\u0930\u0940 \u0939\u0948, \u0932\u0947\u0915\u093f\u0928 \u0938\u0939\u0940 \u092f\u094b\u091c\u0928\u093e \u0914\u0930 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u0915\u0947 \u0938\u093e\u0925 \u092f\u0939 \u0906\u092a\u0915\u0947 \u0938\u092a\u0928\u094b\u0902 \u0915\u093e \u0918\u0930 \u092a\u093e\u0928\u0947 \u0915\u093e \u0938\u092c\u0938\u0947 \u0906\u0938\u093e\u0928 \u0924\u0930\u0940\u0915\u093e \u092c\u0928 \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<p>\u0905\u0917\u0930 \u0906\u092a \u0938\u0939\u0940 \u092c\u094d\u092f\u093e\u091c \u0926\u0930, \u0938\u0939\u0940 \u092c\u0948\u0902\u0915 \u0914\u0930 \u0938\u0930\u0915\u093e\u0930\u0940 \u092f\u094b\u091c\u0928\u093e\u0913\u0902 \u0915\u093e \u0932\u093e\u092d \u0932\u0947\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u0906\u092a \u0915\u092e \u0932\u093e\u0917\u0924 \u092e\u0947\u0902 \u0905\u092a\u0928\u093e \u0918\u0930 \u0916\u0930\u0940\u0926 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<p>\ud83d\udc49 \u0905\u0917\u0930 \u0906\u092a \u0905\u092a\u0928\u0940 \u092a\u094d\u0930\u0949\u092a\u0930\u094d\u091f\u0940 \u0916\u0930\u0940\u0926\u0928\u093e \u092f\u093e \u092c\u0947\u091a\u0928\u093e \u091a\u093e\u0939\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b <strong>Famenest.com<\/strong> \u091c\u0948\u0938\u0947 \u092a\u094d\u0932\u0947\u091f\u092b\u0949\u0930\u094d\u092e \u092a\u0930 \u0932\u093f\u0938\u094d\u091f\u093f\u0902\u0917 \u0915\u0930\u0915\u0947 \u0906\u0938\u093e\u0928\u0940 \u0938\u0947 \u0916\u0930\u0940\u0926\u093e\u0930 \u0914\u0930 \u0935\u093f\u0915\u094d\u0930\u0947\u0924\u093e \u0938\u0947 \u091c\u0941\u0921\u093c \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%F0%9F%93%A2_Final_Tip\"><\/span>\ud83d\udce2 Final Tip:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>\u091c\u0932\u094d\u0926\u092c\u093e\u091c\u0940 \u092e\u0947\u0902 \u0928\u093f\u0930\u094d\u0923\u092f \u0928 \u0932\u0947\u0902 \u2014 \u0938\u0939\u0940 \u091c\u093e\u0928\u0915\u093e\u0930\u0940, \u0938\u0939\u0940 \u092a\u094d\u0932\u093e\u0928\u093f\u0902\u0917 \u0914\u0930 \u0938\u0939\u0940 \u0938\u092e\u092f \u0939\u0940 \u0906\u092a\u0915\u094b \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0914\u0930 \u0938\u092b\u0932 \u0939\u094b\u092e \u0932\u094b\u0928 \u0926\u093f\u0932\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/strong><\/p>\n\n\n\n<p><strong>\u092f\u0947 \u092d\u0940 \u092a\u095d\u0947\u0902 : <a href=\"https:\/\/famenest.com\/blog\/sabse-sasta-home-loan-kiska-hai\/\" target=\"_blank\" data-type=\"link\" data-id=\"https:\/\/famenest.com\/blog\/sabse-sasta-home-loan-kiska-hai\/\" rel=\"noreferrer noopener\">Sabse Sasta Home Loan \u2013 \u091c\u093e\u0928\u093f\u090f \u0938\u092d\u0940 \u092c\u0948\u0902\u0915\u094b\u0902 \u0915\u093e \u092c\u094d\u092f\u093e\u091c \u0926\u0930 2026<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0918\u0930 \u0916\u0930\u0940\u0926\u0928\u093e \u0939\u0930 \u0935\u094d\u092f\u0915\u094d\u0924\u093f \u0915\u093e \u0938\u092a\u0928\u093e \u0939\u094b\u0924\u093e \u0939\u0948, \u0932\u0947\u0915\u093f\u0928 \u090f\u0915 \u0938\u093e\u0925 \u092a\u0942\u0930\u0940 \u0930\u0915\u092e \u0926\u0947\u0928\u093e \u0939\u0930 \u0915\u093f\u0938\u0940 \u0915\u0947 \u0932\u093f\u090f \u0938\u0902\u092d\u0935 \u0928\u0939\u0940\u0902 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":206,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[15],"tags":[42,41,37,40,36,44,35,38,34,39,33,43],"class_list":["post-203","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-42","tag-41","tag-37","tag-40","tag-36","tag-44","tag-35","tag-38","tag-34","tag-39","tag-33","tag-43"],"_links":{"self":[{"href":"https:\/\/famenest.com\/blog\/wp-json\/wp\/v2\/posts\/203","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/famenest.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/famenest.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/famenest.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/famenest.com\/blog\/wp-json\/wp\/v2\/comments?post=203"}],"version-history":[{"count":5,"href":"https:\/\/famenest.com\/blog\/wp-json\/wp\/v2\/posts\/203\/revisions"}],"predecessor-version":[{"id":213,"href":"https:\/\/famenest.com\/blog\/wp-json\/wp\/v2\/posts\/203\/revisions\/213"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/famenest.com\/blog\/wp-json\/wp\/v2\/media\/206"}],"wp:attachment":[{"href":"https:\/\/famenest.com\/blog\/wp-json\/wp\/v2\/media?parent=203"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/famenest.com\/blog\/wp-json\/wp\/v2\/categories?post=203"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/famenest.com\/blog\/wp-json\/wp\/v2\/tags?post=203"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}