Assam Aponar Apon Ghar Loan Scheme 2024 Online Apply Form & Subsidy details

Assam Aponar Apon Ghar Loan Scheme 2024 Online Apply Form is now available on this page. Today we will give you all the information about the “Apunar Apun Home Loan Subsidy Scheme” launched by the Assam State Government. The government has started a new subsidy scheme for the people of the state. This scheme is known as Aponar Apon Ghar Loan Scheme Assam. This scheme, as the name suggests, is a loan subsidy scheme for households. Under this scheme, the people of Assam can take loans up to ₹40 lakh. People will get subsidies up to ₹2.5 lakh on home loans. This scheme is applicable only to those who are buying their first home.

Contents

Apun Ghar Loan Scheme in Assam

This scheme was announced by the state government of Assam in the financial year 2024-25. Primarily this scheme is an extension of the erstwhile state government Apun Ghar Yojana. This scheme has been launched to fulfill the Prime Minister’s “Housing for All Mission”. Under this scheme, the state resident will get Aponar Apon Ghar Loan Subsidy.

The government will give a subsidy on a home loan of ₹2.5 lakh to the people of the state. Assam residents will get home loans at concessional interest rates under this scheme. Those people who are interested in this scheme can apply for it. To apply for this scheme eligible people need to fill out the application form.

Assam Aponar Apon Ghar Loan Scheme 2024 Details

Under the Apun Ghar Yojana, the state government will provide housing loans to government women employees at the rate of 5% and to male employees at the rate of 5.5%. The loan will be provided without collateral security and on processing fee. The main objective of the Apun Ghar Awas Loan Scheme is to provide housing to all the residents of the state. However, Pradhan Mantri Awas Yojana (PMAY) is also running in all the towns and cities of the state under which subsidy is being given on the interest rates of home loans. Under the Apun Ghar Home Loan Scheme, state government employees can get a loan of up to ₹15 lakh with an interest subsidy of 3.5%. Due to the subsidy on interest rates, the monthly installments will come down significantly and the state government employees will also have to pay less interest.

Overview of Apunar Apun Ghar Rin Yojana 2024-25 Assam

Name of Scheme	Aponar Apon Ghar Loan Subsidy
State	Assam
Launched in	Budget Session 2019-20
Started Date	6 February 2019
Objective	Providing own houses to needy people
Beneficiaries	Every resident of the state
Benefits	Subsidy on home loan
Application Mode	Online/ Offline mode
Official Website	finance.assam.gov.in
Post-category	State Govt Housing Scheme

Eligibility Conditions for Aponar Apon Ghar Scheme

To take advantage of Aponar Apun Ghar Loan Scheme, it is necessary to have the following eligibility:

This scheme is only for permanent residents of Assam state.
Families having an annual income of less than ₹20 lakh are eligible for this scheme.
Housing Loan is available only within Assam Regional Rural Banks, Scheduled Commercial Banks, and Co-operative Banks of Assam.
This scheme is applicable only if the loan amount of 40 lakhs or less is taken from banks.
Those who have already taken home loans under Apun Ghar Yojana are not eligible for this scheme.
People with loan accounts cannot take loans under non-performing assets.

Benefits of Assam Aponar Apon Ghar Loan Scheme

The benefits of the Apun Ghar Rin Yojana are as follows:

This scheme provides benefits not only to government employees but also to every resident of the state.
The scheme will help people to build their own houses.
Apunar Apun Ghar scheme provides loan amounts up to ₹40 lakh.
Subsidy amount up to ₹2.5 lakh will be given to the people.
People will be able to build their pucca houses with the help of this scheme.

Interest Rates & Subsidy in Apun Ghar Loan Scheme

The interest rates and subsidies in Apun Ghar Home Loan are as follows:

Particulars	Men	Women
Loan Amount	Rs 15 Lakh	Rs 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

How to Apply Online for Aponar Apon Ghar Loan Scheme?

Those people who want to take advantage of the Assam Apunar Apun Home Loan Scheme, have to follow some easy steps:

Firstly visit the official website of the scheme @https://finance.assam.gov.in/
By clicking on this link, you will reach the home page of the official website of the Assam Finance Ministry.
On the next page, click on the “Aponar Apon Ghar Loan Subsidy Scheme” mentioned on the website
After that, a new page will open where you have to click on the “Apply” button.
Then a new page with the Online Application Form will open in front of you.
On this page, applicants have to say “Yes” or “No” in the declaration form.
After this, fill in your personal details in the form which contains your name, address, etc.
Then applicants need to add their loan details to the form.
Next, upload the supporting documents of your claims in the form.
Then after filling out this form, finally click on the “Save and Submit” option.