What is EWS flats?

Hi, I think both Disha and Kadamb have done a great job explaining what EWS flat means, but let me put it short. EWS flats are a part of a “housing for all” scheme in India. This aims to provide affordable housing options for people whose annual income is less than Rs. 3 Lakhs per annum. Now, let me help you with the benefits of the EWS (Economically Weaker Section) scheme. 

What is the EWS Flats Full Form?

As I mentioned earlier, EWS stands for Economically Weaker Section. This plan has a couple of benefits, which I have mentioned below, 

Slum Eradication

The main focus of the

EWS

section is slum rehabilitation. It aims to replace slums with proper pucca houses.

Sustainability

All houses in the EWS housing plans are built with eco-friendly materials. This makes them sustainable and of top-tier quality. They are weatherproof as well. 

No Barriers

Since, the main focus of this scheme is to provide housing for all. It doesn’t discriminate based on race and creed. Any Indian citizen is allowed to apply for this scheme. 

And that’s about it. If you are planning to apply for this scheme, you can follow the steps provided by Disha. Hope this helps. 

I came to know the EWS flats meaning from my father. As you know, it is challenging to build a home while attending to other financial obligations with the rising cost of real estate. The Government of India has launched a number of EWS Housing Schemes to make it easier for those in lower income categories to construct their ideal homes. 

My father also informed me that a portion of the entire property price is covered by the state government under the EWS category system. Read on to learn more about EWS housing.

What does EWS Flat Means?

Economically Weaker Section (EWS) flats, as they are also called, are government-subsidized housing units reserved for lower income families. 

• These apartments are affordable for low-income persons and families since they are typically smaller in size and have prices far lower than market rates.

• Those with EWS home sites will get access to a minimum of 25 to 30 square meters of carpet space.

Disha Ray has already mentioned the complete details of EWS above. So, I am not repeating the same thing. Let me tell you about the best EWS housing schemes in India.

Top Five EWS Housing Schemes in India

The top EWS housing schemes in India are listed below:

I hope you found this answer helpful.

Rooti, kapda aur makaan are the three necessities of life. Although we can get food and clothes without much effort, owning a house becomes a challenge for most of us. Owning a house is a long-term goal which provides you with a sense of belonging, financial security, and protection. Since building a home is not a cakewalk, the government of India is helping its citizens achieve their dreams. The government has introduced the Pradhan Mantri Awas Yojana which is helping people belonging to the Economically Weaker Section (EWS) buy a house. In this context let us understand what is EWS flats.

What is EWS category flats?

Flats constructed for the Economically Weaker Sections (EWS) are known as EWS flats in simple terms. 

• Annual house income should be less than Rs 3 lakh.

• The annual interest subsidy is 6.5%

• Housing loan for interest subsidy is up to Rs. 6 lakh.

• The maximum loan period is 20 years

• The maximum dwelling carpet area is 30 sq. metres.

• Women must be added as an owner or co-owner while purchasing a new EWS flat.

1. Go to the official website of PMAY at:

. 

1. Tap on the Citizen Assessment option.

2. Hit on Apply online from the dropdown menu.

3. Select PMAY from the options.

4. You will be redirected to a new page where you need to enter your Aadhaar number.

1. Proof of Age such as birth certificate, PAN card, school leaving certificate, insurance policy, and driving licence.  

2. Affidavit cum declaration to show that you and your family do not own a pucca house.

3. Identity proof such as Adhaar card, voter card, etc.

4. Copy of address proof such as bank statement, property tax receipt.

5. Salary slip of family members for the three months, yearly increment letter, appointment letter, and certified copy of Form 16. 

6. Income proof documents for the past 6 months.

7. No Objection Certificate (NOC) obtained from Housing society.

8. Processing fee,

9. Allotment letter or agreement sale.

I hope I was able to clear the doubts regarding what is EWS flats.

Read more: