The Assam state government launched the Apun Ghar Loan Scheme 2024. To help the state employees of Assam state by their own house the Assam cabinet extended the loan amount under the Apun Ghar Loan Scheme 2024. Previously the state employees of Assam state were eligible to receive a loan of up to INR 15 lakh under the Apun Ghar Loan Scheme 2024 but now the loan amount has been extended to up to INR 30 lakh. All the applicants who clear the eligibility criteria can visit the official website and fill out the application form online to avail the benefits of the scheme 2024.
About Apun Ghar Loan Scheme
The Apun Ghar Loan Scheme 2024 was launched in 2016-17 to provide financial help to Assam state employees so they can buy their own permanent house. Till now the Government of Assam state has given out a total of 5663 crores of loans to all the applicants under the Apun Ghar Loan Scheme. The Government of Assam state will also provide a subsidy to all the selected applicants under the scheme to help them. To avail the benefits of this scheme the applicant must be a government employee in the Assam state.
Also Read: Apun Bahan Scheme Assam
The objective of the Apun Ghar Loan Scheme
The main objective of this Apun Ghar Loan Scheme is to provide loans to the cabinet members of Assam state so that they can buy a house. With the help of this scheme, the Government of Assam state will uplift the social status and standard of living of all the financially unstable Government employees in the Assam state. The interest under the scheme is comparatively lower than the market. This house loan subsidy is only for those purchasing their 1st house and have not availed of loans under the previous scheme.
Key Highlights of Apun Ghar Loan Scheme
| Name of the scheme | Apun Ghar Loan Scheme |
| Introduced by | Assam state government |
| Objective | Provide loan |
| Beneficiaries | Assam state citizens |
| Official website | Assma Apun Ghar Loan Portal |
Eligibility Criteria
- The applicants must be permanent residents of Assam state.
- The applicant must avail of housing loans from any Scheduled Commercial Bank, Regional Rural Bank, or Assam Cooperative Apex bank within the state.
- The annual income of the applicant’s family must not exceed INR 20 lakh.
- The loan under the scheme must be of more than Rs. 5 lakh and sanctioned by the bank on or after 1 April 2019..
- This must be the first home by the composite family.
Also Read: Orunodoi Assam Apply
Required Documents
- Aadhar Card
- Email ID
- Mobile Number
- Electricity bill
- Address Proof
- PAN Card
Loan Amount and Interest Rate
- The interest subsidy of 3.5% for government employees on home loans up to INR 15 lakh taken for a 20-year duration.
Benefits of Apun Ghar Loan Scheme
- The selected applicants under the scheme will receive a housing loan from the Assam state government.
- With the help of this scheme, the applicants can buy their own house without worrying about financial troubles.
- The interest under the Apun Ghar Loan Scheme is comparatively lower than the market.
- The Government of Assam state will also provide a subsidy to all the selected applicants under the scheme to help them
Apun Ghar Loan Scheme Application Process 2024
STEP 1: All the applicants who clear the eligibility criteria can visit the official Apun Ghar Loan website and fill out the application form to avail the benefits of this scheme.
STEP 2: Once the applicant reaches the homepage of the official website the applicant must click on the option APPLICATION FORM FOR HOME LOAN.
STEP 3: The PDF file of the application form will appear on your desktop screen the applicant must print out the application form.
STEP 4: After printing out the application form the applicant must enter all the details that are asked and attach all the necessary documents on the application form.
STEP 5: After successfully filling out the application form the applicant must submit the application form to the concerned government official.
Details to be Filled Under Application Form
- Name
- Gender
- DOB
- PAN No.
- Email ID
- Mobile Number
- Address
- IFSC of Loan Issuing Branch
- Bank Name
- Branch Name
- Account Number
- Loan Sanction Amount
- Date of Loan Sanction
- Property Address
FAQs
Which state launched the Apun Ghar Loan Scheme 2024?
The Assam state government launched the Apun Ghar Loan Scheme 2024.
Who is eligible to avail of the benefits of the scheme 2024?
All the Government employees of Assam state are eligible to avail the benefits of the Apun Ghar Loan Scheme 2024.
What is the maximum loan amount to be given under the Apun Ghar Loan Scheme 2024?
The maximum loan amount of INR 30 lakh will be given to the selected applicants under the Apun Ghar Loan Scheme 2024.