{"id":5741,"date":"2025-06-12T06:35:47","date_gmt":"2025-06-12T06:35:47","guid":{"rendered":"https:\/\/homefirstindia.com\/blog\/?p=5741"},"modified":"2025-06-13T11:32:00","modified_gmt":"2025-06-13T11:32:00","slug":"3-quick-tips-to-maximize-pmay-2-subsidy-benefit","status":"publish","type":"post","link":"https:\/\/blue.homefirstindia.com\/hi\/blog\/3-quick-tips-to-maximize-pmay-2-subsidy-benefit\/","title":{"rendered":"3 quick tips to maximize PMAY 2. subsidy benefit –"},"content":{"rendered":"

 <\/p>\n

    \n
  1. <\/b>Keep your loan balance above 50% for first 5 years<\/b><\/strong>: If your outstanding loan amount drops below 50% before completing 5 years, your future subsidy instalments will stop.<\/li>\n
  2. Saving on EMI\u2019s per month or reducing Tenure, choose wisely: Let\u2019s say if your loan is of \u20b916,00,000 for 20 years, you can save \u20b92244 on your monthly EMI\u2019s <\/b><\/strong>or you can save 67 EMI\u2019s over your loan period<\/b><\/strong>\u00a0through tenure reduction.<\/li>\n
  3. Focus on the first \u20b98,00,000 of your loan, that is where the 4% subsidy kicks in: when, Loan < \u20b98,00,000 \u2192 Let\u2019s say \u20b96,00,000 then as per 4% interest subsidy, you get a benefit of approximately \u20b91,50,000<\/li>\n<\/ol>\n

    Loan \u00a0\u2265 \u20b98,00,000 \u2192 Then as per the 4% you can avail the complete benefit of the subsidy i.e., of \u00a0\u20b91,80,000.<\/p>\n

    For more information, visit our PMAY 2.0 page<\/a> and subsidy calculator<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"

      Keep your loan balance above 50% for first 5 years: If your outstanding loan amount drops below 50% before completing 5 years, your future subsidy instalments will stop. Saving on EMI\u2019s per month or reducing Tenure, choose wisely: Let\u2019s say if your loan is of \u20b916,00,000 for 20 years, you can save \u20b92244 on […]<\/p>\n","protected":false},"author":17,"featured_media":5745,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[87,89],"tags":[],"yoast_head":"\n3 quick tips to maximize PMAY 2. subsidy benefit - Blogs & Articles<\/title>\n<meta name=\"description\" content=\"Meta Description: Make the most of your PMAY 2.0 subsidy with these 3 smart tips\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/homefirstindia.com\/te\/blog\/3-quick-tips-to-maximize-pmay-2-subsidy-benefit\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"3 quick tips to maximize PMAY 2. subsidy benefit - 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