Swabhimaan- Aapka Ghar, Aapka Sammaan

Owning a home is a matter of pride. You burn the midnight oil, work hard and compromise a lot of things to reach a respectable position in life. Now it’s time to have a place you can call ‘home’.

With stringent bank rules related to homeloans, and lengthy documentation formalities, it is not easy for everyone to buy a house. There are a number of people who are financially capable of owning a home but due to lack of proper documents like ITR, Income proof, etc., their loan applications get rejected.

Swabhimaan- Aapka Ghar, Aapka Sammaan

Swabhimaan- Aapka Ghar, Aapka Sammaan

To make ‘dream home’ a reality for everyone, Investors Clinic is coming up with a progressive initiative called Swabhimaan. The scheme is for all customers who do not have standard income proof or complete documentation for taking a home loan. It also includes persons drawing salary in cash or generating income in cash. The scheme offers considerable flexibility with respect to certain documentation requirement like income tax proofs, bank statement, etc.

Eligibility

Minimum income requirement for being eligible under the scheme is as low as 15,000 per month. It is mainly for those who do not have standard documents like income proof, bank statement, etc. For example, persons engaged in the following business or professions are eligible under the scheme-

  • Small Retail Shop Owners or Traders like the owners of kirana store, garage, fast food outlet, bakery, boutique, cyber cafe, beauty parlor, hardware store, etc.

  • Small Retail Vendors like ice cream sellers, newspaper vendor, pan shop owner, etc.

  • Professionals or certain types of salaried employees like factory workers, tailors, travel agents, LIC agents, electricians, music artistes, NGO freelancers, masons, fabricators, etc.

All customers will have to submit basic KYC documents like address and identity proof. Those who have banks statements or income proof will have to submit the same, on the basis of which bank will decide the loan amount. In the absence of such documents, loans can be processed on the basis of personal discussion between the customer and an authorized representative of the bank/financial institution.

Swabhimaan has been launched to avail the benefits under Pradhan Mantri Awaas Yojna (PMAY).

About Pradhan Mantri Awaas Yojna

PMAY is a scheme under Modi’s ‘Housing for all’ mission which aims at ensuring that people can get a home within their financial capabilities. Its objective is to bring a ‘Pucca House’ for every family in urban cities with water connection, 24×7 electricity supply, toilet facility and complete access. Around 2 crore houses are to be built across India targeting the Low Income Group (LIG) and Economically Weaker Sections (EWS).

With Swabhimaan, a customer will just have to set aside Rs 250 per day. Properties start at 9 lacs only and come in 1 /2/3/4 BHK configurations. 1 BHK starting at Rs 9.9 lacs, 2 BHK starting at Rs 13.9 lacs, 3 BHK starting at Rs 19.9 lacs and 4 BHK starting at Rs 32 lacs have been offered under the scheme.

Up to 90% of the property value can be taken as loan, depending on the property value and customer profile. Our banking partners for the scheme are HDFC, Indiabulls, ICICI, Axis, DHFL and Shubham.

Projects covered under Swabhimaan

1- Supertech Shaan

Located along Yamuna Expressway, Supertech Shaan is a high-rise development offering premium apartments that signify an elevated lifestyle. Situated within 100 acres fully integrated township, the project offers 1 BHK and 2 BHK units designed by international space planners. It looks over 9-hole ‘Graham Cooke’ golf course and forested area on the other side. Given below are a few highlights of the project-

  • Excellent location along Yamuna Expressway

  • Golf view and green expanse

  • Schools, universities and hospitals in the vicinity

  • Close to F-1 Track and Proposed International Cricket Stadium

  • Proximity to commercial district and shopping malls

2- Migsun Mannat

Situated in the prime location of Omicron III, Greater Noida, Migsun Mannat has been expertly designed by world’s leading architects and planners. It has 7 towers that offer 2/3/4 BHK apartments with lush greens all around. In addition to world-class living spaces, the project has also been adorned with modern amenities like clubhouse, swimming pool and gymnasium. Here’s a list of its USP’s-

  • Situated at 130 m road near Pari Chowk

  • Convenient access to metro station, airport and other areas

  • Shopping complex close by

  • 2.1 acres podium central greens

  • Clubhouse, gym, swimming pool and more

3- Mahagun Montage

Mahagun Montage offers the best of economy living in Crossings Republik, Ghaziabad. It is a well-designed project offering 2/3/4/5 BHK apartments exhibiting a balance of innovative architecture and aesthetics. The apartments are surrounded by lush green landscapes, green pathways and tree-lined boulevards. Some of its highlights are-

  • Prime location of NH-24

  • 360 Acres of township endowed with malls, retail outlets, office spaces, hospital, bank, schools etc.

  • 9 hole Golf Course within the township

  • Close to all public utilities

  • Rapidly developing location

4- Ajnara Khel Gaon

Situated in the highly coveted location along 130 m wide road in Greater Noida (W), Ajnara Khel Gaon offers 2 BHK and 3 BHK golf-facing apartments designed by Hafeez Contractor. It boasts of 75% open greens that ensure a serene living for the residents. With a strategically planned two side open layout, these homes are complemented with a strong social infrastructure. Some of its USP’s are-

  • Modern amenities like swimming pool, clubhouse, indoor games facility and more

  • Wi-Fi enables society

  • Close to Knowledge Park V

  • Golf-facing luxury apartments

  • Designed by renowned architect ‘Hafeez Contractor’

5-Supertech Shaan Gurugram

Enjoying the much sought-after location in South of Gurgaon, Supertech Shan Gurugram is a part of grand township project. Offering mesmerizing views of the Aravalli Ranges, these homes present an adorable living concept adorned with world-class amenities like swimming pool, yoga and meditation area, multipurpose Party Avenue and golf putting greens. Some of its highlights are-

  • Located on the main Sohna Road

  • Social amenities like hospitals, schools, malls, etc. available close by

  • Excellent connectivity with commercial hubs in Sector 48 & 49, Gurgaon

  • Proximity to IGI Airport

  • Looking over lush green landscapes

6- Migsun Amulya

Strategically located in Raj Nagar Extension, Migsun Amulya offers a priceless living experience in the most preferred locality of Ghaziabad. 2 BLK apartments have been offered along with a range of modern amenities like Gym, Swimming Pool, Spa & Badminton Court. Surrounded with ample greens on all sides, the project also speaks of pure tranquility. Some of its highlights are-

  • 2 BLK Apartments with 2 Balconies

  • Close to Delhi-Meerut Road

  • Upcoming metro connectivity near the location

  • Social amenities at the doorstep

  • Central landscaped garden and lush green surroundings

7 – Supertech Sports Village

Enjoying the prime location of Greater Noida (W), Supertech Sports Village is a joint venture between two eminent developers of NCR- Supertech and Ajnara. It is a sports-centric township project spread over 175 acres. 2 BHK and 3 BHK units are offered with mesmerizing views of the lush greens on all sides. Famous sports academies like Shikhar Dhawan Academy for Cricket and Badminton Academy by Pullela Gopichand can be found in the project. Some of its features are-

  • Designed by Hafeez Contractor

  • World-class sports amenities offered

  • Proximity to proposed metro station and Knowledge Park V

  • Connectivity via Noida-Greater Noida Expressway and upcoming FNG Expressway

  • Looking over ample greens on all sides