Aponar Apon Ghar Home Loan Subsidy Scheme 2023 : Goal,Eligibility,Application Procedure

Aponar Apon Ghar Home Loan Subsidy Scheme

Aponar Apon Ghar Home Loan Subsidy Scheme 2023 : Goal,Eligibility,Application Procedure

Aponar Apon Ghar Home Loan Subsidy Scheme 2023. Owning a house is a blessing, and millions of people in our country still do not make an effort to own one. The majority of the country’s poor people live in tents, on the streets, or in shelters. The Indian government has launched numerous home loan schemes to enable citizens to own their own homes. Another scheme, known as Aponar Apon Ghar home loan, has been launched by the government of Assam for its citizens in the state. Citizens of the state can own their homes with government subsidies under the scheme. In this article, we will learn about the scheme’s application process.

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Assam’s government has devised a programme in which citizens can build their own homes in the state with government assistance. If you want to achieve your goal of purchasing your first home, you should consider applying for this programme online. On loans of up to 40 lakh rupees, the government will provide a housing subsidy of 2.5 lakh rupees. Furthermore, the government provides a 3.5 percent interest subsidy for government employees who participate in this programme. The maximum loan amount available under the Assam Aponar Apon Ghar Scheme is 15 lakh rupees, with a loan term of 20 years.

Assam’s Goal Scheme Aponar Apon Ghar

In today’s world, the inflationary phase has become so severe that the common man can do nothing but meet his expenses; he works all day just to earn bread for the day, aside from doing any other major work, such as building a house.

He is unable to make arrangements for starting a business, etc., as a result of which he has to face various types of problems throughout his life. In light of these problems, the Government of Assam has announced through the Aponar Apon Ghar Home Loan Subsidy Scheme that if any person from Assam does not have a house and requires money for house construction, a loan will be given through Assam government at low interest rates. Along with this, the government scheme is only for Assamese citizens.

Only those people who have not applied for any other loan scheme are eligible for this scheme; if you want to give the benefit of this scheme and want to apply, then apply. The procedure is outlined below in this article.

Aapunar Apun Ghar Scheme Update

For the fiscal year 2019-2020, the Assam government has launched the Aapunar Apun Ghar Scheme. The state government is now accepting Aponar Apon Ghar Scheme Online Application Forms at assamfinanceloans.in. This scheme is an expansion of the state’s existing Apun Ghar scheme. The state government will provide a Rs. 2.5 lakh subsidy for all citizens who want to take out home loans up to Rs. 40 lakh under the Aapunar Apun Ghar Yojana. The state government hopes to realise Prime Minister Modi’s vision of “Housing for All” in the state by FY 2023.

All applicants will receive home loans at subsidised interest rates under the Aapunar Apun Ghar home loan subsidy scheme in Assam. This expanded version of the Apun Ghar Home Loan Scheme will be launched soon, and the government may issue application forms.

Aponar Apon Ghar Loan Subsidy Scheme Eligibility

The following qualifications are required to participate in the Aponar Apon Ghar scheme:

  • This scheme is only for Assamese permanent residents.
  • This scheme is open to families with an annual income of less than 20 lakh rupees.
  • Housing loans are only available in the state of Assam through rural regional banks, scheduled commercial banks, and cooperative banks.
  • This scheme is only available if the loan amount is less than 40 lakh from a bank.
  • Those who have previously obtained a home loan through the scheme are ineligible for this scheme.
  • People cannot obtain loans from accounts receivable, which are classified as non-performing assets.

Aponar Apon Ghar scheme’s main characteristics

  • The housing sector in Assam will benefit from the implementation of this scheme.
  • Because many people do not have enough money to finish or build their own home, all applicants can benefit from this scheme.
  • This scheme also addresses the issue of slum areas by providing them with loans to build their own homes.
  • After completing their online registration, the selected candidates will receive a subsidy of Rs. 2.5 million from the relevant authority.

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Documents Required for an Apun Ghar Home Loan

  • The complete list of documents required to obtain a home loan under the Apun Ghar home loan scheme is provided below.
  • 5 copies of passport-sized photos
  • For identification, choose any of the following: PAN card, Voter ID, Identity Card, and so on.
  • Any of the following documents can be used as proof of residency: Electricity bill / phone bill / passport / SBI account passbook with updated address
  • Form 16 from the previous two years.
  • DDO has certified the most recent salary slip, which includes all deductions.
  • Salary account statement for the previous six months.
  • If the salary is not credited to your SBI account, you will not be paid.
  • Statement of personal assets and liabilities in bank format.
  • Documents proving ownership of land/buildings to be purchased/built, such as Jamabandi copies.

Aponar Apun Ghar Scheme 2023 Online Application

  • Visit the scheme’s official website.
  • After clicking on this link, you will be taken to the home page of the Assam Finance Ministry’s official website.
  • On this page, you must select the optionassamfinanceloans.in
  • Following that, a new page will appear, on which you must click the Apply button. The application form will then appear on a new page.
  • Applicants must answer Yes or No in the declaration form on this page.
  • Fill out your personal information in the form, including your name, address, and so on.
  • Then, applicants must fill out the form with their loan information.
  • Then, in the form, upload supporting documents for your claims.
  • After completing this form, click the “Save” button at the bottom.
  • If you are eligible, fill out the Apun Ghar Scheme 2023 Home Loan Subsidy Scheme Application Form using the link provided below. So save this page and fill out the Assam Government Home Loan Subsidy Scheme Apply Online Form.
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