Aponar Apon Ghar

Aponar Apon Ghar: Home Loan Subsidy Scheme in Assam

The “Aponar Apon Ghar” (आपनार आपन घर) initiative is a significant home loan subsidy program introduced by the Finance Department of the Government of Assam. This scheme aims to fulfill the vision of “Housing For All” by the year 2022, ensuring that every economically disadvantaged individual can secure their own home. Under this scheme, eligible applicants can access home loans at reduced interest rates, making home ownership more attainable.

Overview of the Aponar Apon Ghar Scheme

The “Aponar Apon Ghar” scheme is designed to provide financial aid to individuals looking to purchase their first home. Participants can obtain housing loans from any Scheduled Commercial Bank, Regional Rural Bank, or the Assam Cooperative Apex Bank located within the state. The government of Assam offers a subsidy of up to ₹2,50,000 on home loans capped at ₹40,00,000. This initiative is specifically targeted at first-time homebuyers who have not previously benefited from the Apun Ghar Scheme, and is exclusively available to permanent residents of Assam.

Benefits Offered by the Scheme

Eligibility Criteria for Applicants

• The applicant must be a permanent resident of the state of Assam.
• Loans must be taken from any Scheduled Commercial Bank, Regional Rural Bank, or Assam Cooperative Apex Bank.
• The total family income of the applicant should not surpass ₹20,00,000 from all sources.
• The housing loan must exceed ₹5,00,000 and should be sanctioned by the bank on or after April 1, 2019.
• The loan account must not be classified under the Non-Performing Assets (NPA) category.
• This must be the first home acquired by the applicant’s family.

Steps to Apply for the Aponar Apon Ghar Scheme

Applying for the “Aponar Apon Ghar” scheme is a straightforward process that can be completed online. Follow these steps to submit your application:

Online Application Process

1. Visit the Official Website: Go to the designated portal for the scheme.
2. Navigate to the Loan Subsidy Section: Click on “Click here for Loan Subsidy.”
3. Choose Aponar Apon Ghar: Select the “Aponar Apon Ghar (Home Loan Subsidy Scheme)” link to access the application form for subsidy release.
4. Fill in Required Details: Complete all mandatory fields, including:
   • Applicant’s Name, Gender, Date of Birth, PAN Number, Email ID, Mobile Number, and Address.
   • Loan Information: IFSC code of the lending bank, Bank Name, Branch Name, Account Number, Loan Sanction Amount, Date of Loan Sanction, and Property Address.
5. Upload Necessary Documents: Attach proof of land ownership, address proof, and PAN card. Review the declaration and click “Save.”

Checking Application Status

1. Visit the Official Website: Access the website again.
2. Track Your Application: In the “Application Tracking” section at the bottom right corner, click on “Track.” Enter your Mobile Number and either the Loan Account Number or Application Number, then click “Submit.”

Official Source

For further details, you can visit the official website at myScheme.gov.in.