Assam state government has started the Apun Ghar Loan Scheme 2024. This scheme is made to help Assam state employees buy their own house. The Assam cabinet has increased the loan amount for the Apun Ghar Loan Scheme 2024!
Earlier, the state employees could get a loan of up to INR 15 lakh. But now, thanks to the Apun Ghar Loan Scheme 2024, the loan amount is raised to INR 30 lakh! This is great news for everyone who wants to buy a home.
If you want to apply for this scheme, first check if you meet the eligibility rules. If you do, you can go to the official website, where you will find the application form. Just fill it out online to get the benefits of the Apun Ghar Loan Scheme 2024.
What is the Apun Ghar Loan Scheme?
The Apun Ghar Loan Scheme 2024 is a great plan for Assam state employees to get money to buy their own house. It started in 2016-17 and has already given out a huge amount of money. Till now, the Government of Assam has given a total of 5663 crores in loans to people who applied for the Apun Ghar Loan Scheme.
This money helps employees who want to have a permanent house. Also, the Government of Assam gives extra help, called a subsidy, to people who are chosen under this scheme. This makes it easier for them to buy a home.
If you want to use the benefits of the Apun Ghar Loan Scheme, you need to be a government employee in Assam. So, if you work for the government and dream of owning a house, this scheme can really help you!
Also Read: Apun Bahan Scheme Assam
The objective of the Apun Ghar Loan Scheme
Apun Ghar Loan Scheme is a cool plan to help the cabinet members of Assam state get money to buy a house. This scheme helps them with house loans and makes their life better.
The Government of Assam wants to improve the living standard and social status of government employees who don’t have much money. So, this loan scheme is super important for them. The good thing is, that the interest rates are lower compared to other banks.
Also, this house loan subsidy is only for people buying their first house. If you have already used loans from any past schemes, then you can’t take this one. So, remember, it’s just for first-time home buyers!
In the #AssamCabinet meeting held today, we decided to
✅️Extend the Apon Ghar Scheme for State Govt employees
✅️Allow Child Adoption Leave for women employees of the State Govt
✅️Streamline movement of merchandise goods
✅️Financially assist employees of ASAMB pic.twitter.com/z49iy7rx5m— Himanta Biswa Sarma (@himantabiswa) July 10, 2024
Key Highlights of the 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 the 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.