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Assam Aponar Apon Ghar Loan Scheme

1. What is Assam Aponar Apon Ghar Loan Scheme 2023?

Assam Aponar Apon Ghar Loan Scheme 2023 is a housing subsidy scheme launched by the government of Assam to provide loan assistance to the people of Assam for building new homes. Under this scheme, eligible beneficiaries can avail a subsidy of up to 2.5 lakhs for the construction of houses worth 40 lakhs. The scheme aims to make homeownership more accessible and affordable, especially for those applying for it for the first time in any plan.

  • Key information:
    1. Provides loan assistance for building new homes.
    2. Offers a subsidy of up to 2.5 lakhs for houses worth 40 lakhs.
    3. Targeted towards first-time applicants in any plan.

    2. How does the Assam Aponar Apon Ghar Loan Scheme work?

    The Assam Aponar Apon Ghar Loan Scheme offers easy access to loans with low interest rates and flexible repayment options. Eligible applicants can apply online for the scheme. The loans are provided at concessional interest rates, making it affordable for individuals to purchase or construct their own homes. The scheme also promotes economic growth by creating employment opportunities in the construction sector.

  • Key information:
    1. Provides loans at low interest rates.
    2. Flexible repayment options available.
    3. Promotes economic growth by creating employment opportunities.

    3. Who is eligible to apply for the Assam Aponar Apon Ghar Scheme?

    To apply for the Assam Aponar Apon Ghar Scheme, the following eligibility criteria must be met:

  • Permanent resident of Assam.
  • Does not already own a pucca house.
  • Loan amount needed is within 40 lakhs.
  • No previous housing loan taken under any housing scheme.
  • Must get a home loan from a recognized bank within the district.
  • The house to be constructed must be the first house build through a joint family.
  • Total family income should not exceed Rs.20 lakhs from all sources.
  • Not eligible for the scheme if already availing benefits under Apon Ghar Yojana.
  • The loan accounts opened by the candidate should not be under NPA status.
  • Loan should be approved by the bank on or after 1st April 2019.
  • Applicants should submit required documents like residence proof, identity proof, annual income certificate, bank account details, and loan documents related to the home loan amount.
  • Key information:
    1. Eligibility criteria include residency, income, and loan details.
    2. Not eligible if already benefiting from Apon Ghar Yojana.
    3. Loan accounts should not be under NPA status.

    4. How can one apply for the Assam Aponar Apon Ghar Loan Scheme 2023 online?

    To apply for the Assam Aponar Apon Ghar Loan Scheme online, follow these steps:

    1. Visit the official web portal of the Aponar Apon Ghar Scheme.
    2. Click on the option "Search for the site of Aponar Apon Ghar Yojana" on the web page.
    3. Fill out the application form with all the required data.
    4. Submit the application form along with the necessary documents.
  • Key information:
    1. Application process is done online.
    2. Documents need to be uploaded during the application.

    5. What are the benefits of the Aponar Apon Ghar Scheme?

    The benefits of the Aponar Apon Ghar Scheme are:

    1. Poor households without a house can fulfill their dream of homeownership.
    2. Boosts the development of the housing sector in Assam.
    3. Subsidy amount is provided to selected applicants, helping to solve slum area problems.
    4. Subsidy amount is directly transferred to the beneficiary's bank account.
  • Key information:
    1. Allows poor households to become homeowners.
    2. Boosts housing sector development.
    3. Direct subsidy transfer to the beneficiary.

    6. What is the objective of the Assam Aponar Apon Ghar Scheme?

    The objective of the Assam Aponar Apon Ghar Scheme is to provide affordable loans to the homeless for the construction of houses. It aims to help individuals who do not have a house by offering loans at concessional interest rates, thus making housing more accessible for them.

  • Key information:
    1. Objective is to provide affordable loans for housing construction.
    2. Aims to help individuals without a house.

    7. What is the amount of subsidy provided under the Assam Aponar Apon Ghar Loan Scheme?

    Under the Assam Aponar Apon Ghar Loan Scheme, a subsidy of up to 2.5 lakhs is provided to the beneficiaries. This subsidy can be used to support the construction of a house worth 40 lakhs or less.

  • Key information:
    1. Subsidy amount is up to 2.5 lakhs.
    2. Supports the construction of houses worth 40 lakhs or less.

    8. How does the Assam Aponar Apon Ghar Scheme contribute to economic growth?

    The Assam Aponar Apon Ghar Scheme contributes to economic growth by generating employment opportunities in the construction sector. As individuals and families avail loans to build or renovate houses, it boosts the demand for construction services, creating job opportunities for the local workforce.

  • Key information:
    1. Generates employment opportunities in the construction sector.
    2. Boosts demand for construction services.
    3. Creates jobs for the local workforce.

    9. How does the Assam Aponar Apon Ghar Scheme address the issue of slum areas?

    The Assam Aponar Apon Ghar Scheme addresses the issue of slum areas by providing a subsidy amount to selected applicants. This subsidy can help beneficiaries build or improve their homes, leading to the development of better living conditions and potentially reducing the number of slum areas in the state.

  • Key information:
    1. Provides a subsidy to selected applicants.
    2. Enables beneficiaries to build or improve their homes.
    3. Potentially reduces the number of slum areas.

    10. How does the Assam Aponar Apon Ghar Scheme ensure transparency and direct benefit to the beneficiaries?

    The Assam Aponar Apon Ghar Scheme ensures transparency and direct benefit to the beneficiaries by transferring the subsidy amount directly to the beneficiary's bank account. This direct transfer mechanism helps in eliminating intermediaries and ensures that the financial assistance reaches the intended recipients without any delays or misappropriation.

  • Key information:
    1. Transfers subsidy amount directly to the beneficiary's bank account.
    2. Eliminates intermediaries for transparency.
    3. Ensures timely and direct benefit to the beneficiaries.
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