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The Aponar Apon Ghar Home Loan Subsidy Scheme in Assam
The Assam Government has recently launched a new home loan subsidy scheme at NEDFi House in Guwahati, known as the Aponar Apon Ghar Scheme. This initiative aims to provide financial relief to the people of Assam by offering a subsidy of up to Rs 2.5 lakh on home loans of up to Rs 40 lakh. If you are a permanent resident of Assam, you may be eligible to avail this scheme.
Benefits of the Aponar Apon Ghar Scheme
The Aponar Apon Ghar scheme aims to ease access to housing loans for the purchase or construction of the first house for a family. The subsidy amount varies based on the loan amount as follows:
– Rs 5.00 lakh – Rs 10.00 lakh: Rs 1.00 lakh
– Rs 10.00 lakh – Rs 20.00 lakh: Rs 1.50 lakh
– Rs 20.00 lakh – Rs 30.00 lakh: Rs 2.00 lakh
– Rs 30.00 lakh – Rs 40.00 lakh: Rs 2.50 lakh
To be eligible for the Aponar Apon Ghar scheme, applicants must meet the following criteria:
– The applicant should be a permanent resident of Assam.
– The housing loan should be from any Scheduled Commercial Bank, Regional Rural Bank, or Assam Cooperative Apex Bank within the state.
– The composite family income should be less than INR 20 lakhs.
– Housing loans of more than Rs. 5 lakhs should be sanctioned by a bank on or after 1st April 2019.
– Those who have already benefited under the “Apon Ghar” Scheme are not eligible for this subsidy.
– Loan accounts must not be under NPA (Non-Performing Asset) status.
Applying for the Aponar Apon Ghar Scheme
To apply for the Aponar Apon Ghar scheme online, you can visit the official website of the Assam finance department or go to finance.assam.gov.in. Both government and private employees can apply for the scheme on the portal. Here’s a step-by-step guide to applying:
1. Click on the “Aponar Apon Ghar” banner on the official website or visit the direct link to fill out the application for the release of the subsidy.
2. Choose the declaration option regarding availing loan subsidy under the ‘Apun Ghar’ Scheme and whether this is the first home for the composite family.
3. Fill in the application details, including the applicant’s name, date of birth, gender, permanent address, mobile number, PAN number, email address, and composite family income. Ensure that all information matches what was provided to the bank at the time of taking the loan.
4. Enter loan details, such as the bank name, IFSC, branch name, loan account number, loan amount, and property address.
5. Upload supporting documents, such as loan proof, address proof, and PAN card proof.
6. Check the declaration box to confirm the accuracy and truthfulness of the information provided.
For more information on the Aponar Apon Ghar scheme and home loan subsidies in Assam, you can refer to the official finance department website.
In conclusion, the Aponar Apon Ghar scheme is a significant initiative by the Assam Government to provide financial relief and easier access to housing loans for the residents of Assam. If you meet the eligibility criteria, consider applying for this subsidy to fulfill your dream of owning a home in the state.