I want an information which is very urgent to me & citizens like myself. I belong to a Hindu undivided family and live with my old parents wife & kid. I am a casual worker earning less than 20k per month and I have to avail loan Rs.5 lac for urgent repair & renovation of my father's old house from a private financing company AADHAR Housing Finance Ltd. at high rate of interest (around 13% pa for 20 yrs) who said that I may have my loan waived off under Central Govt. Scheme. Now, it has been a year and I am paying through ECS an EMI which is burden to my family as you can well assume (Rs.7.5k per month). Please let me know if I can get this loan waived off under any Central Govt Scheme or at-least avail lower rate of interest for the same. Please respond.