The Government of Assam, through the Finance Department, has launched the Aponar Apon Ghar Scheme to make homeownership more affordable for first-time buyers. The scheme supports the vision of “Housing for All” by providing subsidized home loans to permanent residents of Assam purchasing their first house. Eligible applicants can avail of a home loan subsidy of up to ₹2,50,000 for loans up to ₹40 lakh from authorized banks.
Key Highlights of Assam Housing Loan
• Scheme Name: Aponar Apon Ghar – Home Loan Subsidy Scheme
• Launched By: Finance Department, Government of Assam
• Target Group: First-time homebuyers who are permanent residents of Assam
• Subsidy Amount: ₹1,00,000 to ₹2,50,000
• Loan Amount Range: ₹5,00,000 to ₹40,00,000
• Participating Banks: Scheduled Commercial Banks, Regional Rural Banks, Assam Cooperative Apex Bank
• Mode of Application: Online
• Scheme Valid From: Loans sanctioned on or after 1st April 2019
Benefits of the Scheme
The scheme provides a graded subsidy based on the loan amount:
• Loan ₹5,00,000 – ₹10,00,000: Subsidy of ₹1,00,000
• Loan ₹10,00,000 – ₹20,00,000: Subsidy of ₹1,50,000
• Loan ₹20,00,000 – ₹30,00,000: Subsidy of ₹2,00,000
• Loan ₹30,00,000 – ₹40,00,000: Subsidy of ₹2,50,000
Eligibility Criteria
To apply for the scheme, applicants must meet the following requirements:
• Must be a permanent resident of Assam
• Must be purchasing their first house (composite family ownership)
• Must avail a housing loan from an eligible bank within Assam
• The loan amount must be more than ₹5,00,000 and sanctioned on or after 01/04/2019
• Total family income should not exceed ₹20,00,000 per year
• The loan account must not be under NPA (Non-Performing Asset)
Exclusions
• Applicants who have already received benefits under the Apun Ghar Scheme are not eligible
How to Apply – Online Procedure
• Step 1: Visit the official Assam Finance Department Portal
• Step 2: Click on “Aponar Apon Ghar (Home Loan Subsidy Scheme)” under the loan subsidy section
• Step 3: Fill in the Applicant’s Personal & Loan Details including Name, PAN, Bank IFSC, Loan Amount, Property Address, etc.
• Step 4: Upload required documents – Address proof, Land proof, PAN card
• Step 5: Agree to the declaration and click “Save” to submit your application
Check Application Status
• Step 1: Go to the official website
• Step 2: Scroll down to “Application Tracking” and click on “Track”
• Step 3: Enter your Mobile Number and Loan Account/Application Number, then click “Submit”
Necessary Documents for Application
• Residence Proof of Assam
• Identity Proof (Aadhaar, PAN, Voter ID)
• Income Certificate (for total family income)
• Bank Account Details
• Recent Passport-size Photograph
• Salary Slips (latest)
• Statement of Salary Account for the last 6 months
• No Dues Certificate (if salary credited outside SBI)
• Employment Proof (minimum 5 years in service)
• Statement of Personal Assets and Liabilities
• Land Ownership Documents (Registered land/Property papers)
Frequently Asked Questions (FAQs)
Q: Who can apply for the Aponar Apon Ghar scheme?
A: Permanent residents of Assam purchasing their first house with a sanctioned housing loan from an eligible bank can apply.
Q: What is the maximum subsidy amount under this scheme?
A: The maximum subsidy offered is ₹2,50,000 for home loans between ₹30,00,000 and ₹40,00,000.
Q: Can I apply if I have already availed benefits under the Apun Ghar scheme?
A: No, beneficiaries of the previous Apun Ghar scheme are not eligible for this scheme.
Q: Is there an offline application method available?
A: No. Currently, the application process is only online via the official Assam Finance portal.
Q: What happens if my loan account becomes NPA later?
A: Loan accounts classified as NPA at the time of application are not eligible. Post-approval changes may lead to a subsidy cancellation.
Q: Are self-employed individuals eligible?
A: Yes, as long as they meet the income and property ownership conditions and have a valid sanctioned housing loan.
References & Useful Links
• Official Assam Finance Department Website
• Scheme Guidelines and Circulars issued by the Government of Assam
• Description as available on the Assam State Portal
