NHB在低贷款人参与率和贷款分配不均的情况下,推动更快的PMAY 2.0付款。 NHB pushes faster PMAY 2.0 disbursements amid low lender participation and skewed loan distribution.

国家住房银行敦促在PMAY 2.0下加快付款速度,指出尽管政府努力扩大负担得起的住房供应,但进展缓慢。 The National Housing Bank is urging faster disbursements under PMAY 2.0, citing sluggish progress despite government efforts to expand affordable housing access. 虽然确定了180多万潜在受益人,但住房融资公司仍然犹豫不决,原因是违约风险较高、小额贷款利润率低以及受益人牵头的建筑工程面临挑战。 While over 1.8 million potential beneficiaries have been identified, housing finance companies remain hesitant due to higher default risks, low profitability on small loans, and challenges in beneficiary-led construction. 付款向大额贷款倾斜,损害了该计划为低收入群体服务的目标。 Disbursements are skewed toward larger loans, undermining the scheme’s goal of serving lower-income groups. 该方案向城市中收入上限为3万卢比至9万卢比的EWS、LIG和MIG家庭的5个年度分期贷款提供1.80万卢比的利息补贴,直到25万卢比为止。 The program offers a Rs 1.80 lakh interest subsidy in five annual installments for loans up to Rs 25 lakh, targeting EWS, LIG, and MIG households in urban areas with income caps of Rs 3 lakh to Rs 9 lakh. 国家防范银行呼吁修订风险模式,加大贷款方的参与力度,以改进执行情况。 NHB has called for revised risk models and greater lender engagement to improve implementation.