Apun Ghar Home Loan Scheme Application Form 2022 for Assam Govt. Employees

Apun Ghar home loan scheme 2022 is a new home loan scheme for Assam government employees which provides home loan at 5% interest to Assam govt employees, know the eligibility and how to apply for Apun Ghar scheme
Updated: By: 145 Comments - Leave a Comment

Apun Ghar is a new home loan scheme for Assam Government employees under which home loans will be provided to the state govt employees at subsidized interest rates. The Assam government has signed an MoU with the state bank of India to provide home loans at hugely subsidized interest rates to its employees.

Apun Ghar Home Loan Scheme – Introduction

Under the Apun Ghar scheme, the state government would provide housing loans at a subsidized rate of 5% for its women employees and 5.05% for men employees. The loan would be provided without and collateral security and processing fee. The main objective of Apun Ghar housing loan scheme is to provide housing to all state residents. Though, Pradhan Mantri Awas Yojana is also running in all the towns and cities of the state under which loans at subsidized rates are provided.

Under the Apun Ghar scheme, the state government employees can avail a loan of up to Rs 15 Lakh for with an interest subsidy of 3.5%. The subsidy on interest rates would benefit state government employees in terms of lower interest rates and lower EMI’s.

Apun Ghar Home Loan – Interest Rates and Subsidy

ParticularsMenWomen
Loan AmountRs. 15 LakhRs. 15 Lakh
Interest Subsidy3.5%3.5%
Interest Rate after Subsidy5.05%5%
Maximum Loan Tenure20 Years20 Years
Effective EMI (for a loan of Rs. 15 Lakh for 20 Years) Before SubsidyRs. 13,017Rs. 13,017
Effective EMI (for a loan of Rs. 15 Lakh for 20 Years) After SubsidyRs. 10,318Rs. 9,899
Apun Ghar Home Loan Scheme Interest Rate / Subsidy

Eligibility for Apun Ghar Home Loan Scheme

Apun Ghar home loan scheme is however targeted to the government employees belonging to the lower income group of the society but applicable for all. The government employees are eligible for the Apun Ghar home loan scheme who has

  • Minimum age of 21 years
  • Residual service of five years

It would not benefits those state employees who have less than 5 years in their service retirement.

The employees who have already availed of education and the home loan from the SBI at normal rates would also be able to switch over to the subsidized loan scheme of the government after one year or so.

The SBI Loan Scheme to be rolled out in May 2017 and will help the low-income state employees and low-rank police personnel. The loan scheme would also help to generate various economic activities.

How to Apply for Apun Ghar Home Loan

Apun Ghar is a new home loan scheme launched by the government of Assam under which state govt. employees are being provided home loans at subsidized interest rates. The Assam Government has signed an MoU with State Bank of India for providing loans to its employees. The state government would provide an interest subsidy of 3.5% for the government employees for home loan of up to Rs. 15 lakh taken for 20 years of tenure.

Assam Govt Schemes 2022Popular Schemes in Assam:Assam Voter List / ID Card DownloadAponar Apun Ghar SchemeAssam Atal Amrit Abhiyan

After interest subvention, the effective rate at which home loan would be provided by the state bank of India would be 5.0% for women and 5.05% for men employees. The government would provide home loan under the Apun Ghar scheme with a repayment schedule to employees with pensionable service beyond the age of 70 years. The state government employees need not to visit the bank branch to apply for the Apun Ghar scheme, but they can simply submit the applications forms or submit their request to respective district drawing and disbursing officer.

Apun Ghar Assam Home Loan Scheme Application Form

The application forms would be submitted by the employees through their DDO’s (District Drawing and Disbursing Officer) as per the prescribed format of application form along with all the required documents. The application form for Apun Ghar scheme can be downloaded from the official website of Assam Government using the link below.

Download Apun Ghar Application Form through the link – https://finance.assam.gov.in/schemes/detail/apun-ghar

Direct Link for Home Loan Application – https://finance.assam.gov.in/sites/default/files/APPLICATION%20FORM%20FOR%20HOME%20LOAN_2.pdf

Below is the snapshot of the application form.

Apun Ghar Home Loan Application Form
Apun Ghar Home Loan Application Form

All the arrangement have been made by government and SBI to ensure hassle-free loans to employees. To get benefits of home loans and education loan, the employee will not have to submit piles of documents which is the normal process to apply for bank loan. To apply for, the employees will simply have to submit applications to their respective Drawing and Disbursement Officers (DDOs). And further, the DDOs will forward the loan applications to the SBI for processing to disburse the loans. No processing fee will be charged from the applicant for the loan application.

Also ReadAponar Apon Ghar Home Loan Subsidy Scheme

List of Documents Required for Apun Ghar Home Loan

Below is the complete list of documents required to avail home loan under Apun Ghar home loan scheme.

  • 5 Copies of Passport size photograph.
  • Any one of the following for identification: PAN card / Voter ID / Identity Card / etc.
  • Any of the following documents for proof of residence: ELectricity Bill / Landline telephone bill / Passport / SBI account passbook with updated address.
  • Form 16 of last 2 years.
  • Latest salary slip with all deductions duly certified by DDO.
  • Last 6 month statement of salary account.
  • No dues salary from the bank if the salary is not credited in SBI account.
  • Personal asset’s and liabilities statement in bank’s format.
  • Documents evidencing the ownership of land/building to be purchased/constructed, such as Jamabandi copy.

The loan provided under the Apun Ghar scheme would be sanctioned in the name of the govt employee or his/her spouse’s name. There is no need to mortgage property for home loan up to Rs. 10 Lakh. No processing fee would be charged from state government employees for housing loan under the scheme.

More details about the Apun Ghar home loan scheme can be found on the official website of Assam Govt. at this link

145 thoughts on “Apun Ghar Home Loan Scheme Application Form 2022 for Assam Govt. Employees”

  1. I have to join irrigation department on last April 2017, can i apply apun ghar home lone? My cont no 7896387257

    Reply
  2. I met with with the higher officials of SBI ,RASMECCC,Tinsukia branch to covert my houseing loan in APUN GHOR scheme at the rate 5.5%.But I came to realize that they are very confused wheather earlier loan will switch over from the 8.5% to 5.5% or not.
    Apun ghar sheme says yes but RASMECCC officials has not obtain the clear systm guideline from RASMECCC chief.
    I am very anxious about State Bank of India,Banking system.My contact no 9435472083.

    Reply
  3. I have joined irrigation department on last December 2017…, Right now…, i have completed 5 months of job period.
    My question is…am i elegible for this home loan…?

    Reply
  4. I already availed a housing loan at normal interest but as per apun ghar rule I can avail the rate of interest at the rate of 5.5%.But SBI loan section refused to allow me because SBI authorityI has not allowed to do so.
    So I request to implement the rule immediately.

    Reply
    • I already availed a housing loan at normal interest but as per apun ghar rule I can avail the rate of interest at the rate of 5.5%.But SBI loan section refused to allow me because SBI authorityI has not allowed to do so…..6003235625….Much needed

      Reply
    • I want to apply Apun Ghar Home Loan, Kindly I needed Loan

      ..Also North Lakhimpur, Assam.

      SBI Bank Loan Officer Number

      Reply
  5. sir I am assam govt employee and have a personal loan at sbi.sir all my land documents owner is my father.at this moments who can I able to get a home loan under apun gharat scheme? my phone no 9435257092

    Reply
  6. Dear Sir
    Though i am a state govt employee i have no land in my name. At first i want to buy land to construct home as apun ghor with the loan .Am i competent for the apun ghor loan .

    Reply
  7. sir/madam, i m serving in central employee as armed force. so i want to get apun ghar scheme.would i get that apun ghar scheme? pl reply soon sir/madam.

    Reply
  8. I have been working since 3 years in arrigation deppartment and i want to apply home can you please inform me the process of apply via email or mobile number 9706508520, Thank you

    Reply
  9. My date of birth is 30/11/1959,may I eligible for obtaining loan under Assam state Govt. APUN GHAR Scheme as
    an pensionable State Govt.Employee.

    Reply
  10. I am Assam govt employee.. But my salary credited in United bank of India. Not in SBI.but I have alrdy an account in Sbi.. In this regard…..wll I able to get the loan ..sir???

    Reply
  11. I have a housing loan on sbi which will be continued till 2036 which is granted on 2015 can I be able to convert it to apun ghor ?

    Reply
  12. Respected sir/Madam

    I am an employee of Central Paramilitary Forces & my home state is Assam . Can i eligible for Apun ghar Assam home loan scheme.

    Reply
  13. Sir I have a HBL reiceve from CBI since 2013 which is now running and finish on 2023 now can I convert this loan to spin ghor loan

    Reply
  14. নমস্কাৰ ছাৰ /মেডম ,মই এজন্ অসম চৰকাৰৰ কৰ্মচাৰী মই আপোন ঘৰ হোম লোন এপ্লাই কৰিব খুজিছিলো কিন্তু মুৰ ই ছারটিফিকেটত আৰু চাকৰিত জন্ম তাৰিখ 02/01/19,84 আৰু পানকাটত হল 31/12 19,86 মই এতিয়া কেনেকে লোন টু হোনকালে পাম ছাৰ মোক হাঁহায়কৰিব ছাৰ

    Reply
  15. নমস্কাৰ ছাৰ মই অসম চৰকাৰৰ এজন কৰ্মচাৰী মই আপোন ঘৰ লোন লবলৈ হাকলো কামকাজ কৰিছো এতিয়া মুৰ ছারটিফিকেটত জন্ম তাৰিখ 02/01/29,84 পানকাটত 31/12/19,86 মই এতিয়া কি কৰিম ছাৰ

    Reply
  16. Sir,My wife & Myself both of we are Regular TET teacher.Can i take loan 15 lacs+15 lacs=30 lacs.Land name is only my name.pliz reply sir.

    Reply
  17. Sir , I have a loan at assam Garmin Bikash Bank taken for business purpose.but I got a govt job just 3 years ago.can I be a beneficiary of apon ghar Scheme? After all deduction will be made from my salary.

    Reply
  18. Sir, I wants Apun Ghar home loan Amount Rs 1200000/ but land value Rs 120000(Approximately) and own lands record my grant fathers name. so i state govt employees pls reply me

    Reply
  19. what about the forest villagers who do not possess any land documents though living there since independence ? and what about the landless employees? unless the government comes out with some policy in this regard a large section of the employee will not be able to avail of the scheme. pls comment.

    Reply
  20. Hi sir I worked in Police as I had got the job last year so I want to take the loan but thing is that, how much it will take extra amount as interest, in the info, as mentioned I have read that for the low rank police it will be less interest charge. So I just want the conclusion sir.

    Reply
  21. Respect sir new s.b.i r home loan r bikhoye jani otikoi hukhi….hoixu….
    Kin2 mur service 1yr 9 month h Hoise…..xo moi napam neki?????
    Aru
    Pensioner hokole apun ghr r loan lobo paribone???

    Reply
  22. This is a fake news… No one knows exactly what this APUN GHAR home loan all about…. All the responsibilities officer should go through this article and understand exactly what does it mean…. Specially for the documents requirement to b

    Reply
  23. This is a fake news… No one knows exactly what this APUN GHAR home loan all about…. All the responsibilities officer should go through this article and understand exactly what does it mean…. Specially for the documents requirement to become​eligible….

    Reply
  24. মই ঘৰ বনাবলৈ মাটি কিনিব বিছাৰিছো…তাৰ পাছত হে ঘৰ বনাম ..মই এই লোন পাম নে.

    Reply
  25. Respective Assam govt.’s finance Minister hon’able Himanta Biswa Sarmah Sir wants to provide a home to those who has no a home of his own, But in practical it’s not for those who has no myadi land. More over it seems it wouldn’t be hassle free.

    Reply
  26. Download the application form and fill up it go your nearest SBI branch and consults ABOUT the Assam Government “Apun ghar” loan thanks

    Reply

Leave a Comment

CLOSESHARE ON: