Looking for help to build your new home in Assam? The Aponar Apon Ghar Home Loan Subsidy Scheme 2025 is here to support you. This scheme by the Assam government offers financial help through low-interest loans and subsidies to people who want to own a beautiful and strong home. In this article, you will find simple details about the scheme’s benefits, who can apply, eligibility criteria, and how to apply online.
Overview of Aponar Apon Ghar Home Loan Subsidy Scheme 2025
The Assam government started the Aponar Apon Ghar Scheme 2025 to help its citizens buy or build new homes despite rising costs due to inflation. Through this scheme, eligible people can get loans up to ₹40 lakh with a subsidy of up to ₹2.5 lakh to make owning a home more affordable. This program is mainly for first-time homebuyers in Assam who do not yet own a house.
Government employees also get extra benefits, including a 3.5% interest subsidy, making the loans even more affordable. The loan term lasts up to 20 years, giving you enough time to repay comfortably.
Main Features and Benefits of the Scheme
- Financial help for Assam residents to build or buy their first home.
- Subsidy of up to ₹2.5 lakh on home loans up to ₹40 lakh.
- Low-interest loans to reduce the repayment burden, especially for government workers.
- Loan tenure up to 20 years, allowing longer repayment periods.
- Support to build strong and permanent (pucca) houses for a better living.
Interest Rate and Support Details
| Details | Women | Men |
|---|---|---|
| Maximum Loan Amount | ₹15 Lakh | ₹15 Lakh |
| Interest Subsidy | 3.5% | 3.5% |
| Interest Rate After Subsidy | 5% | 5.5% |
| Loan Tenure | 20 Years | 20 Years |
| EMI for ₹15 Lakh Loan (20 Years) | ||
| Before Subsidy | ₹13,017 | ₹13,017 |
| After Subsidy | ₹9,899 | ₹10,318 |
Who Can Apply? Eligibility Criteria
- Must be a permanent resident of Assam.
- Applicant should not already own a pucca house.
- Must be applying for the first time under any housing scheme.
- Loan must be taken from a state-owned scheduled bank, regional rural bank, or Assam Co-operative Apex Bank.
- The construction should be the first joint family project.
- The family’s combined annual income should not be more than ₹20 lakh.
Documents Needed to Apply
- Valid identity proof (Aadhaar, PAN, etc.)
- Proof of residence in Assam
- Annual income certificate
- Home loan documents
- Bank account details
How to Apply Online for Aponar Apon Ghar Home Loan Subsidy Scheme
Applying online is simple. Just follow these easy steps:
- Visit the official website: https://assam.gov.in/
- On the homepage, find the Aponar Apon Ghar Home Loan Subsidy Scheme link and click on it.
- Fill out the application form with correct details.
- Upload all the required documents as listed above.
- Submit the form and keep a copy of your application for future reference.
Make sure to fill in your details carefully to avoid any delays. This subsidy can be a great chance for you and your family to have a comfortable new home in Assam.