Assam Housing Schemes
Aponar Apon Ghar Home Loan Subsidy Scheme
Launching Date/Time of Aponar Apon Ghar Home Loan Subsidy Scheme
Launched on: April 1, 2019
Launched by: Finance Department, Government of Assam
Objective of Aponar Apon Ghar Home Loan Subsidy Scheme
To realize the vision of “Housing For All” by 2022.
To provide financial relief and ease access to housing loans for the purchase or construction of the first house for families in Assam.
Targeted at poor and middle-income families to enable home ownership.
Features of Aponar Apon Ghar Home Loan Subsidy Scheme
Provides subsidy on home loans up to ₹40 lakh.
Subsidy amount varies with loan size:
| Loan Amount (₹) | Subsidy Amount (₹) |
|---|---|
| 5,00,000 – 10,00,000 | 1,00,000 |
| 10,00,000 – 20,00,000 | 1,50,000 |
| 20,00,000 – 30,00,000 | 2,00,000 |
| 30,00,000 – 40,00,000 | 2,50,000 |
Subsidy is disbursed directly via DBT into the loan account of the beneficiary.
Home loans must be taken from Scheduled Commercial Banks, Regional Rural Banks, or Assam Cooperative Apex Banks within Assam.
Scheme is an extension of the earlier Apun Ghar Scheme (2016-17), with improved subsidy limits and wider coverage.
Loans are provided at subsidized interest rates.
Online application process available through the official portal (assamfinanceloans.in).
Beneficiaries of Aponar Apon Ghar Home Loan Subsidy Scheme
Must be permanent residents of Assam.
Must be purchasing their first house; families who have availed loans under the previous Apun Ghar Scheme are not eligible.
Housing loan must be sanctioned on or after April 1, 2019, and must be for an amount above ₹5 lakh.
Total family income from all sources should not exceed ₹20 lakh per annum.
Loan accounts must not be classified as Non-Performing Assets (NPA).
Beneficiaries include individuals/families seeking affordable housing through bank loans within Assam
Apun Ghar Loan Scheme
(for Assam state government employees)
Launching Date/Time of Apun Ghar Loan Scheme
Announced in the Assam Budget Speech 2016-2017.
Active and updated as of 2025 with ongoing applications and interest subvention.
Objective of Apun Ghar Loan Scheme
To provide home loans at subsidized interest rates to regular Assam government employees.
Facilitate purchase/construction of a new house/flat, purchase of an existing house/flat, or takeover of home loans from other banks.
Support government employees in owning their first home with affordable financing.
Features of Apun Ghar Loan Scheme
Interest Subvention: Assam government provides an interest subsidy of 3.5%, reducing effective interest rates to approximately 5.00% for women and 5.05% for men on loans up to ₹15 lakh.
Loan Limit: Up to ₹15 lakh for government employees under this scheme.
Subsidy Disbursement: Subsidy credited directly to salary accounts from which loan installments are recovered.
Loan Tenure: Up to 20 years with repayment flexibility, including provisions for pensioners up to 70 years of age.
No Collateral or Processing Fee: Loans under this scheme are free from collateral security and processing fees.
Eligibility for Pensioners: Employees maintaining pension accounts with SBI can continue loan repayment post-retirement up to age 70.
Beneficiaries of Apun Ghar Loan Scheme
Regular Assam State Government Employees only.
Must be purchasing or constructing their first house.
Includes employees who want to purchase new or old houses or takeover existing home loans from other banks.
Pensioners maintaining pension accounts with SBI are eligible for extended repayment terms