Aponar Apon Ghar Home Loan Subsidy Scheme 2023 Assam, Online Form, Interest Rate

Aponar Apon Ghar Home Loan Subsidy Scheme 2023 Assam, Online Form, Last Date, Maximum Amount, Benefits, Interest Rates, Eligibility, Documents, Official Website, How to Apply, Helpline Number, Latest News

Aponar Apon Ghar Subsidy Scheme for Home Loans:- Assam’s state government has launched a program named Aponar Apon Ghar Scheme to help Assamese fulfill their dream of building a home. Assam will offer a subsidy up to 2.5 lakhs for a home costing more than 40 lakhs. Benefits are only available to those who apply for the program for the very first time. Please read below for more information on the Aponar Apon ghar Home Loan Subsidy Scheme.

Aponar Apon Ghar Home Loan Subsidy Scheme Assam

Aponar Apon Ghar Home Loan Subsidy Scheme Details 

Scheme NameAponar Apon Ghar Home Loan Subsidy Scheme
Initiated byGovernment of Assam
StateAssam
BeneficiariesAssam Residents
ObjectiveOffer low-interest loans to build homes
BenefitsThrough this program, those who do not own a house will receive a low-interest mortgage to buy one.
Applicant ProcedureOnline
Official Websitehttps://assam.gov.in/
Helpline NumberN/A

Assam Mukhyamantri Sva-Niyojan Yojana

Aponar Apon Ghar Home Loan Subsidy Scheme 2023

Assam’s state government launched the Aponar Apon Ghar Scheme 2023. This program is very beneficial for Assam residents. This scheme allows everyone to realize their dream of owning a new home. It is evident from the current inflation rate that not everyone has the means to buy a luxury home for their families. Assamese people can purchase new homes easily thanks to the Aponar Apon Ghar Home Loan Subsidy scheme. The state government will provide low-interest loans for the purchase new homes through this program. This housing welfare program will provide unique benefits to those who do not own homes. You can apply for this program online if you are looking to purchase your first home. The government will provide a home subsidy up to 2.5 lakh rupees based on a maximum loan amount of 40 lakhs. The government will also pay interest subsidies of 3.5% to government employees under this program. The maximum home loan amount under this Assam Aponar Apon Ghar Scheme is Rs. 15 Lakh.

Aponar Apon Ghar Home Loan Subsidy Scheme Objective

Inflation has reached a point where the average person has to work all day just to purchase bread for afternoon. They also have to do other important tasks, like build a home, to pay their bills. Inability to prepare for a new business or other endeavors causes him to face a number of issues throughout his life. The Public Authority of Assam announced the Aponar Apon Ghar Home Credit in response to these issues. The Assam Government will offer an advance to an Assamese who does not have a house and is in need of money to build one. The Assam Government will also sponsor the advance. The plan of the Assamese government is also only available to Assamese nationals.

Mission Basundhara Assam

Aponar Apon Ghar Home Loan Subsidy Scheme Benefits

The following are some of the main benefits of the scheme:

  • All residents of the state, as well as government employees, can benefit from this program.
  • The program provides up to Rs. The program offers up to Rs. Subsidies of Rs. 2.5 lakh are also available to recipients.
  • This program is for those who wish to build their homes.
  • Anyone can build their own pucca home using this plan.

Aponar Apon Ghar Home Loan Subsidy Scheme Interest Rates 

SpecificsWomenMen
Loan AmountRupees 15 LakhRupees 15 Lakh
Interest Subsidy3.5 percent3.5 percent
Interest Rate after Subsidy5 percent5.5 Percent
Maximum Loan Tenure20 Years of Age20 Years of Age
Effective EMI for a loan amounting to Rs. 15 lakhs for 20 years)
Before SubsidyRupees 13,017Rupees 13,017
After SubsidyRupees 9 899Rupees 10,318

Assam Orunodoi 2.0 Scheme

Aponar Apon Ghar Home Loan Subsidy Scheme Eligibility

The applicant must meet the eligibility criteria.

  • This program is only open to Assamese residents who are permanent residents of Assam.
  • The maximum loan amount that can be obtained under the Aponar Apon Ghar Scheme is 40 lakh.
  • A candidate for the position should have a pucca home.
  • The applicant must get a mortgage from either a scheduled commercial bank owned by the state, a rural regional bank or Assam Co-operative Apex Bank.
  • The applicant should not have taken out a previous mortgage loan through any housing program
  • This should be the first project undertaken by a family together.
  • The combined family income of the candidate’s family should not exceed Rs. 20 lakhs.

Aponar Apon Ghar Home Loan Subsidy Scheme Documents

The following are some of the most important documents needed for the scheme:

  • Valid Identity Proof
  • Assam State Residence Certificate
  • Certificate of Annual Income
  • Loan Documents Related To Home Loan Amount
  • Bank account details

Government Health Insurance Scheme in India

Aponar Apon Ghar Home Loan Subsidy Scheme Online Form Application

The user must follow these steps to apply for the scheme:

  • First of all, go to the official website of Aponar Apon Ghar Home Loan Subsidy Scheme i.e., https://assam.gov.in/
  • The homepage will appear on your screen
  • Click on the Aponar Apon ghar Home Loan Subsidy Scheme Link
  • The application form opens on your screen
  • Fill in the form now with all required information
  • Upload all required documents
  • Click on the Submit button to finish the application process
Home PageClick Here
Official WebsiteClick Here

FAQ

Q : What is the Aponar Apon Ghar Home Loan Subsidy Scheme 2023 about? 

Ans : Aponar Apon ghar home loan subsidy scheme 2023 is a government initiative in Assam to help residents build their own homes through financial assistance and low interest loans.

Q : Who can benefit from the Aponar Apon Ghar Scheme?

Ans : Aponar Apon ghar Scheme is available to Assam residents that are applying for it for the first-time and who want to build a home.

Q : How does the scheme offer financial support?

Ans : The Assam Government offers a financial subsidy up to 2.5 lakhs for the construction of houses worth up to 40 lakhs.

Q : Are there specific advantages for government workers?

Ans : Government employees are entitled to a subsidy of 3.5% on interest, which helps them pay less.

Q : What is eligibility criteria for the scheme?

Ans : The eligibility criteria are that applicants must be Assamese permanent residents, have never taken out a mortgage loan under any other housing program and meet certain income criteria.

Q : Documents required for the application? 

Ans : valid ID proof of residence in Assam, a certificate of annual income, and any relevant documents related to home loans.

Q : How do I apply for the Aponar Apon Ghar Scheme? 

Ans : To apply, visit the official website (https://assam.gov.in/), access the Aponar Apon Ghar Home Loan Subsidy Scheme section, complete the form, attach documents, and submit online.

Q : What is the maximum loan term and interest rate offered by this scheme? 

Ans : It offers a maximum of 20 years with interest rates as low as 5% for women, and 5.5% in case of men.

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