: Boards like MHADA (Maharashtra) and DDA (Delhi) offer budget-friendly flats through competitive lottery systems.
: Targeted at one crore urban families from 2024 to 2029. It offers an Interest Subsidy Scheme (ISS) of 4% per annum on the first ₹8 lakh of a home loan for a 12-year tenure. government loan to buy a house
The primary government loan program for home ownership in India is the , which currently operates under its revamped PMAY-U 2.0 phase for urban areas as of early 2026. The mission aims to provide "Housing for All" by assisting families in purchasing, constructing, or improving a "pucca" (permanent) house. 1. Key Government Housing Schemes in 2026 : Boards like MHADA (Maharashtra) and DDA (Delhi)
: Provides direct financial assistance for building houses in villages, with grants of up to ₹1.2 lakh in plain areas and ₹1.3 lakh in hilly or difficult terrains. The primary government loan program for home ownership
To qualify for these government-backed benefits, applicants must meet the following general conditions: PMAY - Pradhan Mantri Awas Yojana Shahari - Poddar Housing