Aponar Apon Ghar Home loan Subsidy Scheme:- The Government of Assam has launched a new scheme called Aponar Apon Ghar Home Lone Subsidy Scheme. Under this scheme, the Assam Government will provide a subsidy of Rs 2.5 lakhs to beneficiaries for the construction of houses worth 40 lakhs. Only those people can avail benefits from this scheme who have applied for this scheme for the first time. This scheme will provide easy access to loans with low-interest rates and flexible repayment options. Through this scheme, people can easily afford houses and fulfill their dream of owning a house. This article will provide you with all the information about this scheme, its objectives, benefits, Eligibility criteria, and how to apply online
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Assam Aponar Apon Ghar Home Loan Subsidy Scheme 2024
Having a house of own is a great feeling and everyone dreams to have their own house. The Government of Assam has launched a new scheme called Aponar Apon Ghar Home Lone. Through this scheme, the government will provide house loans with low-interest rates. Especially those people who do not have a house of their own are eligible for this scheme. This scheme is designed in such a way that housing will become more accessible and affordable for individuals and families of the state. The loan amount provided under this scheme can be used in various ways, like purchasing land, constructing a new house, or renovating the old house. This scheme will not only fulfill the dream of individuals of owning a house but will also promote economic growth by providing employment opportunities in the construction sector. This yojana has turned the dreams of people into reality.
Through this scheme, the government will provide a home subsidy amount of 2.5 lakhs rupees on loans up to 40 lakhs. The interest subsidy amount by the government under this scheme is 3.5% for government employees and The loan tenure available through this Assam Aponar Apon Ghar Scheme is 20 years and the home loan limit is Rs 15 lakhs.
Aponar Apon Ghar Home Loan Subsidy Scheme Details in Highlights
| Scheme Name | Aponar Apon Ghar Home Loan Subsidy Scheme |
| Launched by | Assam Government |
| Year | 2024 |
| Beneficiaries | Citizens of Assam |
| Objective | Low-interest housing loans will be provided to homeless |
| Benefits | Low interest housing loans will be provided to homeless |
| Category | Assam Government scheme |
| Application procedure | Online |
| Official website | assamfinanceloans.in |
Objective of Aponar Apon Ghar Home Loan Scheme
The main objective of this scheme is to help people fulfill their dream of owning a house. Nowadays everything is so expensive that a person who works really hard is only able to provide food and clothes for his family. Everyone dreams of having their own house and to move forward with this, the Government of Assam has launched this scheme so that homeless people can have a roof over their heads.
Benefits & Features of Aponar Apon Ghar Home Loan Subsidy Scheme
- The Government of Assam has launched a new scheme called Aponar Apon Ghar Home Loan Subsidy, Through this scheme government will provide loans with low-interest rates to the citizens of the state.
- The main aim of this scheme is to help people fulfill their dream of owning a house and providing shelter to homeless
- This scheme will provide benefits not only to government employees but also to every eligible resident of the state
- The scheme provides a loan amount of up to 40 lakh rupees, people will be given a subsidy amount of Rs 2.5 lakh.
- People who have applied for other loans also are not eligible for this scheme
- This scheme will not only help people build homes but will also promote the economic growth of the state by providing employment opportunities in the construction sector
- The people can use the loan amount for various purposes like pursuing new land, construction of a new house, and renovation of old house.
Eligibility Criteria for Aponar Apon Ghar Home Loan Subsidy
- The applicant should be a permanent resident of Assam
- The annual income of the applicant from all the sources should not exceed RS 20 lakh
- The applicant should already have his own pucca house
- There should not be any previous housing loan under any housing scheme
- The applicant has to get a home loan from any scheduled commercial bank, regional rural banks, or Assam Co-operative Apex Bank within the state itself.
- The house constructed should be the first house constructed through joint family
- Only those who have applied for the first time are eligible for this scheme
- Loan accounts must not be under NPA (Non-Performing Assets) status.
Loan / Subsidy Amount in Aponar Apon Ghar Home Loan
| Loan Amount | Subsidy Amount |
| Rs 5 lakh to 10 lakh | 1 lakh |
| Rs 10 lakh to 20 lakh | 1.5 lakh |
| Rs 20 lakh to 30 lakh | 2 lakh |
| Rs 30 lakh to 40 lakh | 2.5 lakh |
Assam Mukhyamantri Sva Niyojan Yojana
Interest and Support Rates in the Aponar Apon Ghar Home loan
| Particulars | Men | Women |
| Loan Amount | 15 lakh | 15 lakh |
| Interest subsidy | 3.5% | 3.5% |
| Interest rate after subsidy | 5.5% | 5% |
| Maximum loan tenure | 20 years | 20 years |
Effective EMI ( for a loan of Rs 15 lakh for 20 years )
| Before subsidy | Rs 13,017 | Rs 13,017 |
| After subsidy | Rs 10,318 | Rs 9,899 |
Documents Required to Apply
- Residency proof
- Annual income certificate
- Identity proof
- Bank account details
- Loan documents related to home loan amount
How to Apply Online for Aponar Apon Ghar Home Loan Subsidy Scheme
- First of all, you have to visit the official website of the Aponar Apon Ghar Scheme.
- After this, the homepage of the website will open before you
- On the homepage of the website, you have to click on the option ‘ search for the link of Aponar Apon Ghar Yojana ‘
- After this, the application form will appear in front of you
- In the application form, you have to enter all the required information
- After entering all the information carefully, you have to click on the submit button
- Attach all the required documents with the application form
- By following this procedure you can apply under the Aponar Apon Ghar Yojana