Assam Aponar Apon Ghar Scheme Assam Government is inviting online applications for Aponar Apon Ghar Home Loan Subsidy Scheme 2024 at assamfinanceloans.in Under this new Aponar 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. People can now apply online for Aponar Apon Ghar Scheme by fill a registration/application form, check the subsidy amount, and complete details.
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Under Aponar Apon Ghar home loan subsidy scheme in Assam, all the applicants will get home loans at subsidized interest rates. This is an extension of the previous polar Apon Ghar Home Loan Subsidy Scheme 2016-17. Under the Apun Ghar home loan scheme, the state govt. was providing an interest subsidy of 3.5% for govt. employees on home loans up to Rs. 15 lakh taken for a 20 years duration.
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The main objective of Assam Aponar Apon Ghar Home Loan Subsidy Scheme 2024 is to realize the vision of “Housing For All” by 2022 so that each poor people have their own house.
Table of Contents
What is Aponar Apon Ghar Home Loan Subsidy Scheme?
Aponar Apon Ghar” is a Home Loan Subsidy Scheme by the Finance Department, Govt. of Assam. The objective is to realize the vision of “Housing For All” by 2022 so that each poor person may have their own house. All the applicants will get home loans at subsidized interest rates. Applicant must avail of housing loans from any Scheduled Commercial Bank, Regional Rural Bank, or Assam Cooperative Apex bank within the state.
The state govt. will provide ₹ 2,50,000 subsidy on home loans up to ₹ 40,00,000. 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. The scope of the scheme is limited to the permanent residents of the state of Assam.
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 |
Eligibility of Assam Aponar Apon Ghar Scheme 2024
The applicants must fulfill the eligibility criteria for Assam Aponar Apon Ghar Scheme 2024:-
- Applicants must be a permanent resident of Assam state.
- Applicant must avail housing loans from any Scheduled Commercial Bank, Regional Rural Banks, 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 already benefited under 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.
Documents Required for Aponar Apon Ghar Scheme
- Residence Proof of Assam State
- Proof of Identity
- Income Certificate
- Bank Account Details
- Passport Size Photograph
- Latest Salary Slips
- Statement of Salary Account for the Past Six Months
- No Dues Salary From the Existing Banker if the Salary is Credited in Other Than SBI Account
- Proof of Being in Service for a Minimum of Five Years
- Statement of Personal Assets and Liabilities in Bank’s Format
- Documents Evidencing the Ownership of Land.
How to Apply Online For Assam Aponar Apon Ghar Scheme?
Step 1: Visit the official website. Navigate to the “Click here for Loan Subsidy” section. https://finance.assam.gov.in/
Step 2: Click “Aponar Apon Ghar (Home Loan Subsidy Scheme)”. You will be taken to “Application for Release for Subsidy”. Fill in all the mandatory details.
Applicant’s Details: Name, Gender, DOB, PAN No., Email ID, Mobile Number, Address.
Loan Details: IFSC of Loan Issuing Branch, Bank Name, Branch Name, Account Number, Loan Sanction Amount, Date of Loan Sanction, Property Address.
Step 3: Upload the Supporting Documents: Land Proof, Address Proof, and PAN Card Proof. Check the Declaration, and click “Save”.
Check Application Status of Assam Aponar Apon Ghar Scheme
Step 1: Visit the official website. At the bottom right of the page, in the “Application Tracking” section, click “Track”.
Step 2: On the next page, provide your Mobile Number, and Loan Account Number or Application Number, and click “Submit”.
FAQs
Which Department Manages The “Aponar Apon Ghar” Home Loan Subsidy Scheme?
The “Aponar Apon Ghar” Home Loan Subsidy Scheme is managed by the Finance Department, Govt. of Assam.
What Are The Objectives Of “Aponar Apon Ghar”?
The objective is to realize the vision of “Housing For All” by 2022 so that each poor person may have their own house. All the applicants will get home loans at subsidized interest rates.
Can A Person Get House Loan Subsidy For Purchasing Their 2nd House?
No, 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.
What Is The Full Form Of NPA?
The Full Form of NPA is “Non-Performing Assets”
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Sir I want to know the status of my loan subsidy application No. BAR/2020/21351
Maheswarbordoloi@gmail.com.in