Apun Ghar Home Loan Scheme for Employees in Assam / असम में कर्मचारियों के लिए अपुन घर गृह ऋण योजना

असम में कर्मचारियों के लिए अपुन घर गृह ऋण योजना (हिंदी में)

Apun Ghar Home loan scheme launched by state Government of Assam (Finance Department) for the government sector employees. Apun Ghar Home Loan Scheme provides a home loan to the government employees for construction and repair of houses. Under this scheme, government employees will get a home loan by State Bank of India on very low-interest rates. The Assam government has signed a MoU with the state bank of India to provide home loans at highly subsidized interest rates to its employees. In this scheme, men employees will get a home loan at 5.5% subsidy interest and women employees will get a home loan at 5% subsidy interest. The government also provides a home loan to the women employees and men employees without any collateral security and processing fees. The Assam government has taken excellent initiative for the overall development of the state. For the application procedure, the applicant should be completed 21 years of age. Government employees of the state can fill application form and submit the form to the Drawing and Disbursement Officers (DDOs)

Benefits of Apun Ghar Home Loan Scheme in Assam:

1. The government granted amount of loan Rs. 15 lakhs to the employees
2. Housing loan is provided at interest rate of 5% for women and 5.5% for men
3. The time period or tenure of such loan will maximum be 20 years
4. No processing fee will be charged for the loan

Eligibility for Apun Ghar Home Loan Scheme in Assam:

1. Applicant should be resident of Assam state
2. Applicant should be 21 years of age or more
3. The applicant should have given more than 5 years services in state government department

Documents required for Apun Ghar Home Loan Scheme in Assam:

1. Passport size photos (5 copies)
2. Proof of identity such as Aadhaar Card/Pan Card/Voter Id Etc.
3. Proof of residence such as Electricity Bill/Telephone Bill/Passport/SBI Account Passbook etc
4. Form 16 for last 2 years
5. Latest salary certificate with all the deduction duly certified by DDO
6. 6-month salary account statement
7. No dues certificate from the existing bankers if salary is credited at other than SBI
8. Personal assets and liabilities statement in banks format
9. Documents evidencing ownership of land/building to be purchased/constructed (such as Jamabandi copy etc)

Application Procedure:

1. Applicant should download the Application Form by visit http://finance.assam.gov.in/sites/default/files/APPLICATION%20FORM%20FOR%20HOME%20LOAN_2.pdf . Also, the applicant can get the application form from any nearest SBI bank branch
2. Now, fill the application form and attached all essential documents mentioned above
3. After that, submit the applications to their respective Drawing and Disbursement Officers (DDOs). 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

Contact Details:

1. Applicant should contact Drawing and Disbursement Officers (DDOs) or SBI bank in Assam

References & Details:

1. For more details about Apun Ghar Home Loan Scheme in Assam visit: http://finance.assam.gov.in/schemes/detail/apun-ghar
2. Apun Ghar Home Loan Scheme in Assam download Application Form: http://finance.assam.gov.in/sites/default/files/APPLICATION%20FORM%20FOR%20HOME%20LOAN_2.pdf