CLSS

Credit Linked Subsidy Scheme

1. Main Features :

1.1. Interest Subsidy of 6.5% upto a loan amount of Rs. 6 Lacs for a maximum of 15 Yr term will be given to customer. (Customer can opt for higher loan term but subsidy will be limited to 15 yrs only or the loan term which ever lower.)

1.2. Additional amount over & above Rs. 6 Lacs will be at normal home loan rate.

1.3. It is mandatory to have a woman owner / co-owner for the property.


2. Process for Availing Benefit

  • 2.1. After the loan is disbursed, HDFC will send a list of such eligible cases to NHB for claiming subsidy.
  • 2.2. On receipt of subsidy amount, the same will be adjusted against the principle amount and EMI will be reduce proportionately.

3. Eligibility

  • 3.1. Family income should not exceed Rs. 6 Lacs per annum.
  • 3.2. 'Family' mean Husband-Wife & unmarried sons & daughters.
  • 3.3. Husband and wife can't avail separate subsidy even if they buy two properties or they already own a Pucca House in any part of India.
  • 3.4. Subsidy will be available only on one property per family.

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