Aponar Apon Ghar Home Loan Subsidy Scheme Apply Online & Application Form | Aponar Apon Ghar Home Loan Subsidy Scheme Check Subsidy Amount & Last Date | Aponar Apon Ghar Home Loan Subsidy Scheme Check Features & Benefits | Aponar Apon Ghar Home Loan Subsidy Scheme Check Repayment Tenure & Documents | Aponar Apon Ghar Home Loan Subsidy Scheme Check Eligibility & All Details |
The Assam Government has launched the Aponar Apon Ghar Home Loan Subsidy Scheme. It offers a subsidy of Rs. 2.5 lakh on home loans up to Rs. 40 lakh. This subsidy is exclusively for first-time homebuyers who have not previously taken loans under the Apun Ghar Scheme. Interested individuals can apply online by filling out a registration/application form and checking subsidy details.
Through this article, we will provide you with all types of information about the Aponar Apon Ghar Home Loan Subsidy Scheme 2023 like purpose, Eligibility Criteria, Benefits, Features, important documents, etc. Apart from this, we will share with you the process to apply online for this scheme. To get complete information about this scheme, read this article till the end.
Aponar Apon Ghar Home Loan Subsidy Scheme
Now the residents of Assam state will be able to get subsidies on home loans on the basis of the loan amount that has been borrowed by them. For this, they will need to apply online for Aponar Apon Ghar Home Loan Subsidy Scheme. An amount of Rs. 2.50 lakhs will be provided in the form of a subsidy if the applicant is borrowing a loan amount of Rs. 40 lakhs. One can apply online before the last date.
There are various applicants belonging to the poor and needy sections of society wanting to undertake loan amounts in order to construct and renovate their houses but can’t be able to do so due to the high rate of interest charged on the loan borrowing amount. Keeping this thing in mind Aponar Apon Ghar Home Loan Subsidy Scheme has been launched so that the residents of Assam state will be able to undertake loans after availing of the subsidy amounts being offered to them.
Highlights Of Aponar Apon Ghar Home Loan Subsidy Scheme
The highlights of this scheme are as follows:-
| Name Of The Scheme | Aponar Apon Ghar Home Loan Subsidy Scheme |
| Launched By | State Govt of Assam |
| Delegated Ministry | Ministry of Electronics & Information Technology |
| Delegated State | Assam |
| Allocated Portal | Finance Portal |
| Objective | To provide loans at subsidized rates to applicants wanting to construct homes |
| Benefit | This will provide pucca houses for a living |
| Applicable To | Citizens of Assam |
| Beneficiaries | Assam Residents |
| Annual Income Limit | Rs. 20 Lakhs |
| Mode Of Transfer | DBT (Direct Benefit Transfer) |
| Payment Mechanism | e-payment mechanism |
| Form of Benefit | Provision of Susbidy on Loan Amounts |
| Hosting Site | National Information Center (NIC) |
| Mode Of Application | Online |
| Last Date of Online Form Submission | Will be updated soon |
| Office Address | Principal Secretary to the Government of Assam, Finance Department 3rd Floor, Chief Minister’s Block Janata Bhawan Dispur, Guwahati: 78100 |
| Contact No | 0361-2237054 |
| Email ID | [email protected] |
| Official website | www.finance.assam.gov.in |
Objectives Of Aponar Apon Ghar Home Loan Subsidy Scheme
The major objective of launching the Aponar Apon Ghar Home Loan Subsidy Scheme is to provide subsidy amounts to applicants who are going to borrow loan amounts from the banks in order to construct their houses. This scheme will only be applicable to the residents of Assam state. The applicants will not have to pay larger amounts of interest rates.
Another objective of launching the Assam Aponar Apon Ghar Home Loan Subsidy Scheme is to provide financial assistance and support to individuals who want to buy their own houses. This scheme offers subsidies on home loan interest rates, making it more affordable for people to purchase property and fulfill their dream of owning a home.
Beneficiary Category
It is also on the basis of the beneficiary category that the applicants will be able to carry out the benefits of this scheme after getting selection which will be done on the basis of the beneficiary category that has been affixed. This scheme can be undertaken by the residents of Assam state wanting to undertake loan amounts for building houses.
Ineligible Beneficiaries
The below-mentioned beneficiaries will be considered ineligible to apply online:-
- Individuals who are not permanent residents of Assam state.
- Applicants who have not availed housing loans from any Scheduled Commercial Bank, Regional Rural Banks, or Assam Cooperative Apex bank within the state.
- Families whose total income from all sources exceeds Rs. 20 lakhs.
- Individuals who have not availed of housing loans of more than Rs. 5 lakhs and sanctioned by the bank on or after 1 April 2019.
- Individuals who have already benefited under the Apon Ghar scheme.
- Applicants whose loan accounts are under NPA (Non-Performing Assets) status.
- Individuals who already own a home and this would not be their first home as a composite family.
Aponar Apon Ghar Home Loan Subsidy Scheme Subsidy Amounts
The amount of subsidy provided on the basis of the loan amounts are as follows:-
| Loan Amount | Subsidy Amount |
| Rs. 5 Lakhs to Rs. 10 Lakhs | Rs. 1 Lakh |
| Rs. 10 Lakhs to Rs. 20 Lakhs | Rs. 1.50 Lakhs |
| Rs. 20 lakhs to Rs. 30 lakhs | Rs. 2 Lakhs |
| Rs. 30 Lakhs to Rs. 40 Lakhs | Rs. 2.50 Lakhs |
Aponar Apon Ghar Home Loan Subsidy Scheme Last Date
It is obvious that the students will be able to get an online registration after applying online under this scheme. The last date for online form submission has not yet been released by the selection body. Whenever it will get released, we will update you through this article till then you can wait for a moment.
Aponar Apon Ghar Home Loan Subsidy Scheme Repayment Tenure
Borrowers have the choice to opt for either fixed monthly installments or flexible repayments based on their financial capabilities. The scheme also offers an extended tenure, ranging from 5 years up to 30 years, giving borrowers ample time to repay their loan amount comfortably. This flexibility allows individuals to plan their finances efficiently and choose a repayment option that suits their needs.
Economic Empowerment
Economic empowerment is at the core of this scheme. By making home loans accessible to a wider segment of the population, individuals are empowered to realize their dream of homeownership. This infusion of financial resources stimulates economic growth, as homebuyers may now invest in various household-related needs such as furniture, appliances, and renovation.
Poverty Alleviation
Poverty alleviation is a pivotal outcome of the Aponar Apon Ghar Home Loan Subsidy Scheme. By enabling individuals from lower socioeconomic backgrounds to own homes, the scheme breaks the vicious cycle of poverty and provides families with a stable and secure living environment. Owning a home serves as a stepping stone for generational progress and wealth accumulation.
Encourages Entrepreneurship
Entrepreneurship is further encouraged through this scheme. By giving individuals the opportunity to own their homes, they are provided with a stable base from which they can explore and pursue entrepreneurial endeavors. Homeownership offers security and stability, allowing aspiring entrepreneurs to utilize their resources in seeking new business opportunities.
Infrastructural Development
Infrastructural development is a key result of the Aponar Apon Ghar Home Loan Subsidy Scheme. As more individuals are able to afford homes, the demand for infrastructure such as roads, utilities, and public amenities increases. This, in turn, drives investments in the expansion and improvement of infrastructure, leading to better living standards for residents.
Benefits Of Aponar Apon Ghar Home Loan Subsidy Scheme
The benefits of this scheme are as follows:-
- Applicants will be able to construct their houses.
- This will also promote entrepreneurship opportunities.
- One can repay the loan amount within the stipulated amount of time that has been fixed.
- This will also reduce poverty issues.
- One can apply online before the last date for getting faster registration.
- There will be an improvement in infrastructure.
Features Of Aponar Apon Ghar Home Loan Subsidy Scheme
The features of this scheme are as follows:-
- The State Government of Assam has launched the Aponar Apon Ghar Home Loan Subsidy Scheme.
- The benefit of this scheme can be undertaken by the residents of Assam state.
- Applicants will be given subsidies on the loan amounts that have been borrowed by them.
- The subsidy amount will be varying on the basis of the loan amounts being borrowed by them.
- The last date to apply online will be updated soon.
- For getting more information, one can visit the official website.
Aponar Apon Ghar Home Loan Subsidy Scheme Eligibility Criteria
The applicants will need to follow the below-mentioned points to apply online for this Assam Aponar Apon Ghar Home Loan Subsidy Scheme:-
- The applicant must be a resident of Assam state.
- He or she must be wanting to undertake loan amounts.
- The applicant must be borrowing loans from Scheduled Commercial Bank, Regional Rural Banks, Assam Cooperative Apex Bank, etc.
- The total income of the family from all earning sources must not exceed Rs. 20 Lakhs.
Important Documents
The applicants will need to affix the below-mentioned documents required to apply online for Assam Aponar Apon Ghar Home Loan Subsidy Scheme:-
- Aadhar Card
- Residence Proof
- Annual Income Certificate
- Loan Documents Related to Home Loan Amount
- Bank account details
- Email ID
- Phone No
Aponar Apon Ghar Home Loan Subsidy Scheme Apply Online
The applicants will need to follow the below-mentioned points to apply online for this scheme:-
- The applicant will need first to visit the Official Website.
- Now you will get land on the main page where the details of this scheme will get displayed.
- Click on the link to the Application Form.
- The PDF form will get displayed.
- Download it.
- Then print out this form.
- Now read the details that have been demanded by them.
- Then fill out this form.
- Attach the relevant documents with this form.
- Now send this form to the relevant office address or email ID.
Reading FAQs
The applicants will need to follow the below-mentioned points to read the FAQs for Assam Aponar Apon Ghar Home Loan Subsidy Scheme:-
- Open the official website.
- Now you will get land on the homepage where you will need to click on the More button.
- Then click on the FAQ link.
- The FAQs will get displayed on your screen.
- Read them carefully.
Submitting Feedback
The applicants will need to follow the below-mentioned points to submit feedback:-
- Open the official website.
- Now you will get land on the homepage where you will need to click on the More button.
- Then click on the Feedback Link.
- The feedback form will get displayed on your screen.
- Now click on the Submit button.
Getting Contact Details
The applicants will need to follow the below-mentioned points to get contact details for Assam Aponar Apon Ghar Home Loan Subsidy Scheme:-
- The applicant will need first to visit the official website.
- The homepage will get displayed on your screen.
- Now you will need to click on the Contact Us link.
- The contact details will get displayed on the screen.
Contact Information
In case if you have any doubts or questions coming to your mind regarding the Aponar Apon Ghar Home Loan Subsidy Scheme, then you can contact the mentioned office address, contact no, and email ID:-
- Office Address:-
- Principal Secretary to the Government of Assam, Finance Department
- 3rd Floor,
- Chief Minister’s Block
- Janata Bhawan
- Dispur,
- Guwahati: 78100
- Contact No:- 0361-2237054
- E-mail ID:- [email protected]