Apun Ghar Scheme Assam – Low Interest (Home~Loan) For Govt. Employees

By | April 20, 2017

Apun Ghar Loan Scheme Assam – Low Interest (Home~Loan) For Govt. Employees, 5% Interest Rate for Female Employees, 5.5% Interest For Male Employees Scheme, Housing Scheme in Assam Low Interest Rate in Loan Tie Up With SBI.

A housing scheme for the residents of Assam : how to apply for the scheme : benefits of the housing scheme : eligibility to apply.

Apun Ghar Housing Loan Scheme

Assam state government has taken an marvelous step to provide houses to all in the state. A housing loan scheme has been launched by the state government. Name of the housing loan scheme is Apun Ghar Housing Scheme. Under this scheme the beneficiaries will get a facility of easy loan with EMI facility. Not only this a subsidy will also be given to the beneficiaries of the scheme.

Apun Ghar Loan Scheme Assam

In the state of Assam to make up an infrastructure it incurs a high cost, so to help out the people of Assam to construct their houses they launched this budget friendly scheme. To apply for this scheme no processing fee will be charged and the people do not have to visit the bank. The people just have to visit their nearest District drawing and disbursing office of their respective district. In the office they just have to submit their application to the authorities. But to apply for the scheme the candidate should be an employee of state government of Assam or should be of lower income group.

Eligibility required For Apun Ghar Scheme Assam is…

  • The candidate must be of 21 years or above.
  • Candidate should be a government employee in any of the state government department.
  • The employee must have rendered at least 5 years service in the respective state government department.
  • Candidate must be belonging to the lower income group of the state.
IndexMale EmployeesFemale Employees
Amount of LoanRs. 15 Lakh Rs. 15 Lakh
Interest (With Subsidy)3.5%3.5%
Interest Rate after Getting Subsidy5.5%5%
Loan Time (Maximum) 20 Years20 Years
EMI Calculation on 20 Lakh Loan in a Timing of 20 Years
Normal RateApprox 13000Approx 13000
With Subsidy Approx 10000Approx 10000

The Apun Ghar Housing scheme will benefit the people of the state in numerous ways. The interest rates on the loan granted under this scheme are also less as compared to the present home loans available in the state. Moreover the state government is also giving subsidy on the home loans for both male and female candidates.

Benefits of Apun Ghar Housing Laon Scheme Assam

  • A lower interest rate will be given i.e. 5 % interest rate will be charged for the female candidates and 5.5 % interest rate will be charged to the male candidates.
  • The interest rate given under this scheme is 3 to 3.3 % less as compared to the present available interest rates on home loans.
  • The loan under this scheme can be taken for a tenure of 20 years.
  • 15 lakh is the amount that can be taken as a loan under Apun Ghar scheme.
  • Easy EMI facility will be provided under this scheme.
  • EMI available under this is starting from Rs. 13,017.
  • After the subsidy the EMI will be Rs. 10,318 for male candidates and Rs. 9,899 for female candidates.

This will help out the lower income groups and the government employees to build up their own home at easy EMI ’s. The lower income group feels it costly to construct homes at the present interest loans, so the state government of Assam has given a helping hand to all such people. With such lower interest rates, subsidy and EMI facility the people will find it much more easier to make up their homes. In fact the people of Assam are very happy to hear about this new scheme Apun Ghar Housing Loan Scheme.

Discussion on Apun Ghar Loan Scheme Assam

Although it is also a step added towards the Pradhan Mantri Awas Yojana, which focuses on Houses to all till 2022. we can say that the state government of Assam has also taken a step towards the over all development of the state as well as the country. For more details regarding the Apun Ghar Loan Scheme Assam the candidates can visit the official website of Assam state government.

More Knowledge on Apun Ghar Loan Scheme Assam – Visit Assam Government Page

If you don’t applied for the said loan and you are the Government apply of the State Government of the Assam then this is really a golden opportunity to all of you that the Government of the Assam will provided you  the loan facilities under the lower interest of the bank loan. As you see in these days f you dreamed about your own home in the city or in the villages of the State it is really a difficult work because if you are just Govt.

Assam Government Employee Loan From SBI

Employee then you are not able to invest all  the money or savings only on your house but if you taking the loan from the bank then you just have to   give the loan back to the bank in just cheap amount of the installment. But we always afraid from the loan  from the bank because of the high interest but now if you get the chance to take the loan at just 5% to the lady employee or 5.5 % interest  for the  male employee then you have to take the risk and make your dream true. So don’t get late before the closing of this scheme you just have to take the advantage of this scheme.

Employee Loan Scheme Assam SBI

Every one asking us about the loan facility of this scheme then I can says that before applying for the loan under this scheme you have to read the full notification of this scheme. So that after the submitting of the application form you can easily take the loan from the government at the lowest rate of interest.  You only have to submit your application form to the Drawing and Disbursement Officers. And after the same the officers will forward your application to the State Bank of India to given the loan to you. This scheme has to target the 10,000/- home to the persons who are homeless. And the period to complete their target will be till the May 2018 i.e. till next years. So don’t wait for the next years if you want the loan under this scheme then apply and get the house of your own.

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5 thoughts on “Apun Ghar Scheme Assam – Low Interest (Home~Loan) For Govt. Employees

  1. Tapan Kumar

    I want this “APUN GHAR”
    BUT
    SBI requirements are not satisfactory for me.

    Reply
  2. kamal kalita

    I had joined in my job in 2015…can i take the lone

    Reply

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