The Assam Government has launched a new home loan subsidy scheme at NEDFi House in Guwahati named as Aponar Apon Ghar Scheme. This newly launched scheme will provide a subsidy of upto Rs 2.5 lakh on home loans till Rs 40 lakh. So, if you are a permanent resident of Assam then you can avail the scheme. Let’s talk about, scheme benefits and how you can avail home loan subsidy online.
Aponar Apon Ghar Home Loan Subsidy Scheme
The Aponar Apon Ghar scheme will provide Financial relief to the people of Assam and to ease the access to housing loans for the purchase or construction of the first house for the family.
| Loan Amount | Subsidy |
| 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 |
Eligibility Criteria
- Applicant should be a permanent resident of Assam.
- Housing loan from any Scheduled Commercial Bank, Regional Rural Bank, Assam Cooperative Apex Bank within the state.
- Composite Family Income less than INR 20 Lakhs.
- Housing Loans of more than Rs. 5 lakhs and sanctioned by Bank on or after 1 st April 2019.
- Those already benefited under “Apon Ghar” Scheme are not eligible for this subsidy.
- Loan accounts must not be under NPA (Non-Performing Asset) Status.
How to Apply Aponar Apon Ghar Scheme Through finance.assam.gov.in?
In order to apply, you don’t need to visit a government office as the government has launched a portal named finance.assam.gov.in for availing home loan subsidy online. Both governments and private employees can apply the scheme.
Go to the official website of the finance department and click on “Aponar Apon Ghar” banner.
You can also visit the direct link to fillup Application for release of subsidy.
Now choose declaration option:
- I have availed loan subsidy under ‘Apun Ghar’ Scheme (Yes/No).
- This is the first home by the composite family (Yes/No).
Fillup application details such as Applicant’s Name, Date Of Birth, Gender, Permanent Address, Mobile No, PAN No, Email Id, Composite Family Income. Please note all information should be the same as provided to the Bank at the time of taking the loan.
Enter loan details such as bank name, IFSC, branch name, loan account number, loan amount and property address.
Upload supporting documents such as loan proof, address proof, pan card proof etc.
Now check the box to declare that “This information is correct and true to the best of my knowledge and belief, and I make this declaration consciously believing the same to be true”. That’s it.
What is loan proof documents?
I’m from a poor family, could I apply for? Please tell me details about recovery system whom to recover?
I want to apply for first time. then what will my loan account and loan proof document ?
I can’t understand.
I unable to fill up the application. Plz. solve it.
Tell about the loan prove document
What is loan proof? Plz, explain I am a little confused?
What is loan proof document?
Plz, let me know the loan proof document specifically?
This application form is for fresh loan applicant or not I can’t understand. plz, explain?
I want my dream house.
Tell about the loan prove document.
I m also want to apply for the 1st time, so from where I get a loan account no?
Has Anyone found any resolving point, dear sir?
I m working in a private dealer in Guwahati. I want to avail for a home loan. I need at least 7 to 8 lakhs to build my home in my home town. So, where should I go first? Please suggest me the easy way to avail a home loan and from I avail the form if I want to apply in online.
The basic eligibility criteria for taking a home loan is existing income proof which is required as per norms specified to different banks. The home loan is a pure consumptive type of loan where the asset created from bank loan does not generate any income. So the borrower is required to have sufficient and certain existing income from a legitimate source to repay the loan instalments. But the eligibility of permanent residence only is not quite acceptable to banks and no bank will finance any housing loan if an applicant does not have sufficient permanent income proof for at least last two to three years. Moreover, for a housing loan, the property where the house is constructed must be kept as mortgage to the bank. For which original land document like title deed or original kheraj myadi patta is a must requirement. To sum up, a plot of non-agricultural land and existing income proof is certainly required to get the benefit of the scheme.
What is a loan account?
And what is loan proof document?
Isn’t the scheme for loan availed subsidy or able get house loan from the bank? It has been acknowledged that many banks of branch Manager deny such schemes. If so, then where will we go to avail the loan?. It is most preferable if these schemes can apply online.