About Aponar Apun Ghar Home Loan Subsidy Scheme
In order to realize the dream of building a new house, the assam state government has launched a scheme named Aponar Apon Ghar Scheme to provide loan assistance to the people of Assam Under this newAponar Apon Ghar Home Loan Subsidy Scheme, the state govt. will provide Rs. 2.5 lakh subsidy on home loans up to Rs 40 lakh. This house loan subsidy is only for those who are purchasing their 1st house and have not availed of loans under the previous Apun Ghar Scheme
Objective Of this scheme
To realize the vision of “Housing For All” by 2022 so that each poor people have their own house.
to provide financial relief to the people of Assam and to ease access to housing loans for the purchase or construction of 1st house for the family
Full Overview Of Aponar Apun Ghar Home Loan Subsidy Scheme
| Name Of Scheme | Aponar Apun Ghar Home Loan Subsidy Scheme |
| Launched By | Govt Of Assam |
| State Name | Assam |
| Implementation | Updated (2020-21) |
| Objectives | Housing For All |
| Benefits | The Assam government will provide a maximum concession of up to Rs 2.5 lakh on home loan |
| Beneficiaries | All the residents of Assam who do not have a pucca house and are thinking of applying/applied a loan to build a pucca house |
| Application Starts | Always Open |
| Process | Offline Registration |
| Official Website | https://assam.gov.in/aponar-apon-ghar-home-loan-subsidy-scheme |
Eligibility Criteria
- Applicants must be permanent residents of Assam state.
- Applicant must avail of housing loans from any Scheduled Commercial Bank, Regional Rural Banks, or Assam Cooperative Apex bank within the state.
- The total family income from all sources must not exceed Rs. 20 lakhs.
- Housing loans must be of more than Rs 5 lakh and sanctioned by the bank on or after 1 April 2019.
- Those who already benefited under the Apon Ghar scheme are not eligible.
- Loan accounts must not be under NPA (Non-Performing Assets) status.
- This must be the first home by the composite family.
Benefits
Under the Aponar Apon Ghar home loan subsidy scheme in Assam, all the applicants will get home loans at subsidized interest rates
Loan / Subsidy Amount in Assam Aponar Apon Ghar Scheme
The loan amount and the subsidy on it which can be availed under Assam Aponar Apon Ghar Scheme is given in the table below:-
| Loan Amount | Subsidy Amount |
| Rs 5 lakh to Rs 10 lakhs | Rs 1 lakh |
| Rs 10 lakhs to Rs 20 lakhs | Rs 1.5 lakh |
| Rs 20 lakhs to Rs 30 lakhs | Rs 2 lakh |
| Rs 30 lakhs to Rs 40 lakhs | Rs 2.5 lakhs |
The mode of disbursement of the Subsidy amount is through DBT directly into the loan account of the loanee.
Required documents
- Residence Proof of Assam State
- Loan proof
- PAN Card
- any identity proof
- Annual Income Certificate.
- Bank account details
- Loan Documents Related to Home Loan Amount
How to Apply
The government of Assam launched a website (i.e. http://assamfinanceloans.in/ ) for online application of this scheme but .Currently, this official website does not mention any information about the application procedure of this scheme or not opening properly, we will inform you here whenever anything is updated.
Offline
You can easily apply offline to the scheme, the procedures of which we have explained below
- Step1 – Applicants have to visit at official website finance.assam.gov.in.
- Step2 – Click on the “Schemes & Project” link.
- Step3 – Now click on the “Apun Ghar” link
- Step4 – Click on the “Application Form For Home Loan” link.
- Step5 – Apun Ghar Loan Application Form will appear on the screen.
- Step6 – fill up carefully and submit the Apun Ghar Application Form to the bank from where you have taken the loan
Contact your nearest government-affiliated bank to get all the details about this scheme