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The Apun Ghar Scheme is an initiative by the Assam government to provide housing loans with interest subvention to regular state government employees. To apply for a home loan under this scheme, follow these steps:
Check if you are eligible or not : Eligibility Criteria
- Ensure you are a regular state government employee in Assam.
- Verify that you have at least five years of service remaining.
- Confirm that you are purchasing your first home and have not availed of loans under the previous Apon Ghar Scheme.
Download the Apun Ghar form:
Download the application form from the official Finance Department of Assam website.
Documents Required for Apon Ghar Loan / Apun Ghar Loan
- Completed application form. (Download From The Link Given Above)
- Proof of identity (Aadhaar card, PAN card).
- Proof of residence in Assam.
- Latest salary certificate.
- No dues certificate.
- Salary account statement for the past six months.
- Proof of being in service for a minimum of five years.
- Documents evidencing ownership of land or building.
How to submit the form?
- Submit the completed application form along with the required documents to your respective Drawing and Disbursing Officer (DDO).
- The DDO will forward your application to the designated bank, such as the State Bank of India (SBI), for processing.
Final Approval from the Respective Bank
- The bank will review your application and documents.
- Upon approval, the bank will sanction the loan with the applicable interest subvention as per the scheme guidelines.
Disbursement of the Loan
- Once approved, the loan amount will be disbursed as per the bank’s procedures.
Can a retired government employee apply for an Apun Ghar loan?
Yes, retired government employees may be eligible to apply for an Apun Ghar loan, but it depends on the specific terms and conditions of the scheme. Generally, such loans are aimed at active government employees. However, you should check directly with the lending institution or the official guidelines of the Apun Ghar scheme for clarification regarding retired employees.
What is the maximum loan amount under the Apun Ghar scheme?
Up to ₹40 lakhs, but it depends on various factors if you are seeking a loan above ₹30 lakhs.
Is the Apun Ghar Loan Scheme still active?
Yes, as of now, no official notification has been issued regarding the closure of the scheme.
How much subsidy is provided under the Apun Ghar Loan Scheme?
An interest subsidy of 3.5% is provided
Is the Apun Ghar Loan Scheme only available for residents of Assam?
Yes, the Apun Ghar Loan Scheme is specifically available to regular state government employees of Assam.
Which bank is good for an Apun Ghar loan?
State Bank of India (SBI)
Check out other important schemes and service in Assam
