Aponar Apon Ghar Home Loan Subsidy Scheme 2023: Fulfilling Assam’s Dream of Affordable Housing


In a remarkable stride towards affordable housing, the Government of Assam has unveiled the Aponar Apon Ghar Home Loan Subsidy Scheme 2023. This visionary initiative aims to empower Assamese residents with the means to turn their dreams of owning a home into a tangible reality. The scheme presents a beacon of hope for individuals seeking a haven of comfort and security. Jobearn, committed to assisting and elevating the aspirations of the people, proudly presents an overview of the Aponar Apon Ghar Scheme, its benefits, eligibility criteria, application process, and more.

Understanding the Aponar Apon Ghar Scheme

The Aponar Apon Ghar Home Loan Subsidy Scheme, endorsed by the Government of Assam, epitomizes a progressive stride towards ensuring affordable housing for all. Designed with the aspirations of the Assamese people at its core, the scheme extends a generous subsidy of up to 2.5 lakhs for the construction of homes valued above 40 lakhs. This benefit is exclusively reserved for first-time applicants, reflecting the government’s commitment to facilitating the dream of home ownership.

Key Features and Benefits

Empowering the Aspirations

The Aponar Apon Ghar Scheme emerges as a true harbinger of dreams fulfilled. Assamese residents, who have long yearned for a place to call their own, can now avail themselves of the opportunity to build their cherished homes.

Low-Interest Mortgage Assistance

The scheme empowers those without existing homes by offering low-interest mortgage loans. This crucial support enables individuals and families to embark on their journey towards homeownership without being burdened by exorbitant interest rates.

Inclusive Outreach

Aponar Apon Ghar extends its support to all residents of Assam, including government employees. This broad inclusivity ensures that individuals from diverse backgrounds can seize the opportunity to realize their dreams.

Unique Subsidies

Under the scheme, recipients can benefit from a substantial subsidy of up to 2.5 lakh rupees, a testament to the government’s commitment to making homeownership accessible to a wider segment of society.

Interest Rate Subsidy

Government employees, who often contribute significantly to the welfare of the state, receive a noteworthy interest subsidy of 3.5%. This incentive further reduces the financial burden of homeownership for this deserving group.

Eligibility Criteria

Assamese Residency

The scheme is exclusively available to permanent residents of Assam, ensuring that those who have roots in the state are given priority in accessing its benefits.

Pucca Home Requirement

Applicants must aspire to construct a “pucca” (permanent) home, emphasizing the government’s focus on fostering sustainable and long-lasting housing solutions.

Loan Procurement

Applicants are required to secure their mortgage from eligible institutions, including scheduled commercial banks, rural regional banks, or the Assam Co-operative Apex Bank.

First-Time Applicants

The Aponar Apon Ghar Scheme specifically targets first-time applicants, making it a gateway for individuals who have never previously availed themselves of housing loans under other programs.

Income Ceiling

Applicants’ combined family income should not exceed Rs. 20 lakhs, making the scheme accessible to a wide range of economic backgrounds.

Application Process

Online Convenience

The application process for the Aponar Apon Ghar Scheme has been streamlined for maximum convenience. Prospective homeowners can apply online through the official website of the Government of Assam.

Necessary Documents

Applicants are required to furnish essential documents, including valid identity proof, Assam State Residence Certificate, certificate of annual income, loan documents related to home loan amount, and bank account details.

Step-by-Step Application

  1. Visit the official website: https://assam.gov.in/
  2. Navigate to the Aponar Apon Ghar Home Loan Subsidy Scheme section.
  3. Access the application form and provide the requisite information.
  4. Upload all the necessary documents.
  5. Click on the Submit button to finalize your application.


The Aponar Apon Ghar Home Loan Subsidy Scheme stands as a testament to the government’s unwavering commitment to fostering affordable housing solutions and empowering the dreams of the Assamese people. Jobearn, dedicated to advancing the well-being of the community, lauds this visionary initiative as a beacon of hope, paving the way for countless individuals to find solace, security, and prosperity within the walls of their own homes.

For more information, visit https://www.jobearn.in/. Let us join hands to build a future where every Assamese resident can proudly say, “I have a home of my own.”

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