For the regular state employees, Government of Assam comes with a new housing loan scheme called as the “APUN Ghar Scheme”.Under this scheme government provide loans to selected government employees through the State Bank of India. By offering this scheme, the government aims to empower government employees by providing housing loans at interest rates to them so that they are able to make their own house with the aid of this loan provided by the state government. If you’re a resident of Assam and a government employee by profession and wish to apply for the scheme by knowing eligibility criteria and other related terms so stay tuned with this article for knowing the complete details along with the application process.
About APUN Ghar Loan Scheme
The APUN Ghar Loan Scheme is a type of loan housing scheme designed by Government of Assam for government employees of the state. Under this scheme the government provides loans at subsidized rates to the deserving employees for the construction of houses in the state. In this scheme the government offers loans at different rates to both male and females. Under this program the government provides a loan at an interest rate of 8.50% (for women) on the other hand 8.55% (for men). Also, the government has decided to provide a subvention of interest @ 3.5% and after applying this interest subvention, the employees would get housing loans up to Rs 15.00 lakh @ 5.0% (for women) and @ 5.05% (for men). By offering this scheme at interest, the government aims to encourage government employees towards the construction of their own house in the state and ensure homeownership accessible to everyone.
Also Read: PMAY-G Permanent Waiting List Assam
Objective of APUN Ghar Scheme
The primary objective of a APUN Ghar Housing Scheme is to provide housing loans to Government employees at interest rates that are comparatively lower than the market once to Government employees so that they are able to make their own home with the help of this housing loan in the state. Under the scheme loan is provided to both male and female government employees, promoting gender equality among them.
Important Factors of APUN Ghar Scheme
| Name of Scheme | APUN Ghar Scheme |
| Released By | Government of Assam. |
| Year | 2024-25. |
| Objective | To provide housing loan to Government employees so at interest rate that are comparatively lower than the market once to Government employees so that they are able to make their own home |
| Financial Benefits | INR 15 lakh at interest rates. |
| Scheme Type | Interest Loan Subvention. |
| Beneficiaries | Regular Government Employees |
| Mode of Application | Online |
| Official website | APUN GHAR |
Eligibility Criteria
To be eligible for APUN Ghar Scheme, applicant must have to clear the following eligibility criteria these are as mentioned below
- Applicants must be a permanent resident of Assam.
- Applicants must be a Regular Government Employee by profession.
- Applicants must have their own bank account linked with an Aadhar card.
- Annual income of the applying candidate’s family must not be more than INR 20 lakh per annum from all sources.
Also Read: Geo Tag House List Assam
Benefits of APUN Ghar Scheme
- Provide Housing Loans:- Under this scheme government provide housing loan at subsidized rates to the deserving employees for the construction of house in the state
- Interest Subvention:- Also, the government has provide a subvention of interest @ 3.5%
- Loan Method:- Under this, the government provides loans to the State Government Employees through the State Bank of India.
- No Charges:- There is no charge, processing fee is required for applying APUN Ghar Scheme
Required Documents
- Aadhar Card
- Resident Proof
- Bank Account Details
- Government Employees Certificate
- Income Certificate
- Loan Documents
- Land Documents (If any)
- E-mail ID
- Passport Sized Photograph
- Phone Number
APUN Ghar Scheme Loan Amount and Interest Rate
- Under this APUN Ghar, the government provides interest subsidy of 3.5% on home loans for up to INR 15 lakh to deserving Government Employees for a duration of 20-years.
Salient Features
- Accessibility:- This scheme provides an opportunity to government employees to buy a home on their own through a housing loan at reasonable prices, making homeownership more accessible to a wider range of government employees.
- Gender Criteria:- Under the scheme loan is provided to both male and female government employees, promoting gender equality among them.
- Scheme Type:-This scheme is an Interest Loan Subvention
- Target Beneficiaries:- Under this scheme, the government provides housing loans to Government employees at low interest rate to Government employees so that they are able to make their own home in the state.
Also Read: Middle Class Housing Scheme
Application Process
To apply online for AGHS, applicant must have to follow some simple steps these steps are as follows:-
- Step 1: After clearing all the eligibility criteria’s applicant need to visit the Apun Ghar website.
- Step 2: Homepage of the official website will appear on the screen,
- Step 3: Now applicants need to click on the ” Application Form For Home Loan“ option.
- Step 4: As the applicant clicks, an application form will be open on the screen.
- Step 5: Now applicants need to enter all the asked details in the given box, and upload all the necessary information with the form.
- Step 6: Once quickly review all the mentioned details carefully.
- Step 7: At last, click on the Submit option to complete the application process.
Details to be filled under Application Form
- Personal Details
- Employment & Income Details
- Properpty & Loan Details
- Declaration
Contact Details
- Phone:- 0361-2237229
FAQs
Who launched this APUN Ghar Scheme?
Dr Himanta Biswa Sarma, the CM of Telangana state launched APUN Ghar Scheme.
How can we download the application form?
By visiting the official website you can easily download the application form Online for APUN Ghar Scheme.
How much the loan is provided under APUN Ghar Scheme?
Under this APUN Ghar Scheme government provide interest subsidy of 3.5% on home loans for up to INR 15 lakh to deserving Government Employees for a duration of 20-years.