✨ କାହିଁକି ମହିଳା Borrowersଙ୍କୁ Special Benefits?
ବ୍ୟାଙ୍କ ଓ Housing Finance Companies (HFCs) ମହିଳା Borrowersଙ୍କୁ କମ୍ ସୁଧ, Processing Fee Waiver, Stamp Duty Concession, Tax Benefits ଓ Customized Loan Products ଦେଇଥାନ୍ତି। ଏହା Financial Inclusion ଓ Women Empowerment ପାଇଁ ଏକ ବଡ଼ ପଦକ୍ଷେପ।
🔑 ପ୍ରମୁଖ ସୁବିଧା
1. କମ୍ ସୁଧ (Lower Interest Rates)
ମହିଳା Borrowersଙ୍କୁ 0.05%–0.1% କମ୍ Interest Rate।
Long Tenureରେ ହଜାର ଟଙ୍କାର ସେଭିଂସ୍।
2. Stamp Duty Concession
Odisha ସହିତ ଅନେକ ରାଜ୍ୟରେ 1%–2% କମ୍ Stamp Duty।
Property Value ₹30L → ₹30,000–₹60,000 ସେଭିଂସ୍।
3. Processing Fee Waiver
କିଛି ବ୍ୟାଙ୍କ Women borrowersଙ୍କୁ Processing Fee Discount କିମ୍ବା Full Waiver।
4. Higher Loan Eligibility
Co-borrower (ପତି/ପରିବାର) ସହିତ Loan → ଅଧିକ Loan Amount Approval।
5. Tax Benefits
Section 80C: Principal Repaymentରେ ₹1.5L Deduction।
Section 24(b): Interest Paymentରେ ₹2L Deduction।
6. Customized Loan Products
Flexible Repayment, Longer Tenure, Insurance Premium Discount।
Women borrowersଙ୍କୁ Priority Processing।
7. Govt. Schemes (PMAY)
Interest Subsidy।
Female Co-ownership Mandatory → Affordable Housing।
📊 ତୁଳନାତ୍ମକ ତାଲିକା
| ସୁବିଧା | ମହିଳାଙ୍କ ପାଇଁ Details | Savings/Advantage |
|---|---|---|
| Interest Rate | 0.05%–0.1% କମ୍ | ₹30,000+ over tenure |
| Stamp Duty | 1%–2% କମ୍ | ₹30,000–₹60,000 |
| Processing Fees | Waiver/Discount | ₹5,000–₹10,000 |
| Tax Benefits | ₹1.5L + ₹2L Deduction | Lower EMI burden |
| Loan Eligibility | Co-borrower income clubbing | Higher approval chances |
| Govt. Schemes (PMAY) | Interest Subsidy | Affordable Housing |
