Aponar Apun (Apon) Ghar Home Loan Subsidy Scheme in Assam 2020 [Application Form Online Portal, Eligibility, Amount, How to apply, Loan Calculator, Interest Rate]
The state government of Assam has launched a scheme called Aponar Apon Ghar that is a home loan scheme for the people of the state. The scheme will help the people to get their own home. The scheme was launched by the state finance department of Assam. The eligible people have to apply for the scheme online, and the article is going give you all the information related to the scheme.
Table of Contents
Assam Aponar Apon Ghar Scheme 2020
| Name of the scheme | Assam Aponar Apon Ghar |
| Launched in | Assam |
| Launched by | Finance department of Assam |
| Official website | assamfinanceloans.in |
| Target people | People of Assam |
Key features of the scheme
Objective of the scheme–
The subsidy loan scheme will help the people to get money for building their own home.
Subsidy limit–
As per the rule of the scheme the people of Assam will get 2.5 lakh rupees for loan amount of 40 lakh rupees.
Different subsidy limits–
As per the loan scheme, people will get 1 lakh subsidy on 5 lakh to 10 lakhs rupees, 1.5 lakh rupees subsidy on 10 lakhs to 20 lakhs rupees loan and 2 lakh rupees subsidy on 20 lakhs to 30 lakhs rupees of loan amount.
Transfer of the subsidy–
The subsidy amount will be directly debited to the beneficiary’s account.
Limitation of the scheme–
The people who are going to purchase their 1st house and have not taken any loan from the same scheme, only they will get subsidy from the govt.
Interest of the loan–
The scheme will provide 3.5% interest subsidy to the government employee if they take a loan of 15 lakh rupees for 20 years duration.
Eligibility criteria
Resident of the state–
In order to apply for the loan the applicant has to be the domicile of the state.
Scheduled banks–
In order to avail the benefit of the scheme the applicant has to draw loan from either Regional Rural Banks, or Assam Cooperative Apex bank in the state.
Family income–
To avail the benefit of the scheme, the applicant’s income should not exceed 20 lakhs rupees.
Loan amount–
The minimum housing loan has to be 5 lakh rupees that are taken after 1 April 2019.
Non Performing Assets–
As per the rules, the loan account should not be under the Non Performing Assets.
Required documents
Domicile certificate–
To apply for the scheme you need to show the domicile certificate.
Loan documents–
You need to provide all the documents related to the loan so that you can fulfill the criteria.
Income certificate–
As there is a limitation so you need to provide the income certificate of all the earning members in the family.
Pan card –
You need to have the PAN card number to apply for the subsidy.
How to apply for the scheme –
Step 1- You need to visit Assam Aponar Apon Ghar Scheme Portal for apply.
Step 2- You will find an ‘Apply’ option on the home page and you need to click on it to start the procedure.
Step 3- You will get an application form which you need to fill in with accurate information like your address, PAN number, etc.
Step 4- After filling in you need to click on the ‘Save’ option to complete the process.
Due to the subsidy scheme it is believed that by 2022 all the people in the state will have their own house. The scheme is designed to help the people financially so that they can buy their first home in the state.
FAQ
Ans: It is a subsidy scheme on the borrowed money for home.
Ans: The government will give subsidy on the loan for home.
Ans: Resident of Assam who is buying the 1st home.
Ans: https://assamfinanceloans.in/subsidy/welcome
Ans: You email at subsidyloanassam@gmail.com
Ans: NO
Other links –