HOUSING LOAN PMAY Eligibility Criteria To access PMAY benefits, you must fulfil the following eligibility criteria: Basic Eligibility Parameters The scheme is for beneficiary families comprising of a husband, wife and unmarried children. An adult earning member of a family irrespective of marital status can be treated as a separate household in MIG category. The beneficiary family should not own a pucca house in the name of any family member across India. In the case of married couples, either of the spouse or both together in joint ownership will be eligible for a single subsidy home loan flat loan , mortgage loan housing loan, loan against property , mortgage loan process