Assam Aponar Apon Ghar Home Loan Subsidy Scheme Apply Online Form 2020-2021

Housing is one of the most basic needs. Without shelter, it really gets hard for people to get about focussing on other aspects of their day. And as times go on, housing is increasingly an issue for people all over the country, as property rates keep skyrocketing year after year.

The Assam government is accepting applications for the Aponar Apon Ghar home loan subsidy scheme, which is a loan designed to help the residents of Assam find a roof over their head which they can call their own.

Through the Aponar Apon Ghar scheme, the state government will offer financial assistance to people to be able to afford their houses.

About the Aponar Apon Ghar Scheme subsidy?

The state government of Assam is willing to offer a ₹2.5 lakh subsidy on home loans of up to ₹40 lakh. This house loan subsidy is only for those who are purchasing their 1st house and have not availed any loans under any previous Aponar Apon Ghar scheme. Under the scheme, all applicants will get a home loan at subsidized rates.

This is an extension of a pre-existing scheme and under the state home loan scheme, the state government will provide an interest subsidy of 3.5% for government employees on home loans for up to ₹15 lakh taken for a 20-year duration.

The main purpose of the scheme is to enable more people in Assam to be able to purchase their own house and to help them realize the vision of “Housing for all”.

How to apply for the Aponar Apon Ghar scheme?

If you are a resident of Assam and wish to apply for the scheme, here is how you can go about it

  • On the homepage, click on the “Apply” link under “Aponar Apon Ghar”
  • Once you click on this link, there will be an online application form opening up, which will appear to be as follows:
  • On this form, the applicant is expected to fill out the necessary details and upload supporting documents like loan proof, address proof, and PAN card and click at the “Save” button to complete the application form procedure in the end.

This scheme offers financial assistance to people in Assam to buy their house and offers ease for purchasing or construction of the 1st house for the family.

Eligibility criteria for the Aponar Apon Ghar scheme?

  1. The applicant should be a resident of Assam.
  2. The applicant must avail of housing loans from any scheduled commercial bank, regional bank, Assam co-operative apex bank within the state.
  3. The housing loan must be more than ₹5 lakhs and should be sanctioned by the bank on or after the 1st of April.
  4. Those who have already benefited from the scheme are no longer eligible to benefit from the scheme.
  5. The loan accounts must not be under the NPA (non-performing assets) status.
  6. This should be the first home by the composite family.

Similar Yojanas

Schemes launched by the state government

The state governments of India are the next important government bodies right after the central government of the country. The state governments constitute 28 states and 8 union territories

India is a democratic and republic country wherein highest authorities and powers are proffered to the central government. For the state government, real executive powers are given to Chief Minister as he is responsible for heading the Council of Ministers. The state governments of India work toward internal security, such as police department, social welfare, public health betterment and other similar state-related issues. The state government of the country earns its employee income from sales tax services, stamp duty services, and from some parts of GST.

The state governments have launched a variety of schemes so far. Some of the examples are as follows:

In Andhra Pradesh, Chandranna Bima Yojana, National Energy Efficient Agriculture Pumps Program, and Smart Pulse Survey have been launched. In Assam, Mass Rapid Transit System has been recently launched. In Maharashtra, Police Pratisaad Ask services and various schemes for the betterment of farmers have been launched. In Karnataka, PM Santwana Harish Yojana, and Housing scheme for Transgenders have been launched. In Uttar Pradesh, Deen Dayal Upadhyay Gram Jyoti Yojana, Hausla Paushan scheme, and Swadhar Greh yojana have been launched.

The state government of India monitors both rural and urban development. However, it is not feasible for the state government to monitor all rural and urban local government bodies. Thus, based on the provided funding and coverage, rural and urban local entities create development plan whenever required. These government entities work in close association with planning commission and local or regional government sectors and authorities.

Apart from these schemes, the state government also ensures the effective implementation of centrally sponsored schemes in respective states.