Royal Aawas

Apon Ghar Home Loan Subsidy Scheme

What is Apon Ghar Scheme?

Apon Ghar Home Loan Subsidy Scheme is a joint initiative by the Government of Assam and the State Bank of India to help Assam Government employees achieve their dream of owning a home. The scheme provides home loans at subsidized interest rates to eligible applicants.

Key Features:
  • 1% government subsidy on interest rates.
Who Can Avail This Scheme?
  • Permanent residents of Assam with a minimum of 5 years of work experience under the Assam Government.
  • Age limit:
    • Minimum: 21 years
    • Maximum: 70 years (for pensionable employees)
    • Maximum: 60 years (for non-pensionable employees)
  • Joint applications allowed, provided all borrowers are Assam Government employees.
Perks of the Scheme

✅ Home loan up to ₹15 lakhs (₹30 lakhs for joint borrowers).
✅ Low-interest rate at 1% interest subvention by the Assam Government.
✅ Repayment tenure of up to 20 years.
✅ No TIR (Third-Party Inspection Report), no valuation charges, and no processing fees.

Purpose of the Scheme

✅ Encourage Assam Government employees to own their homes.
✅ Provide subsidized interest rates for affordable home loans.
✅ Assist SBI employees in fulfilling their housing needs.
✅ Improve the well-being of government employees and their families.
✅Stimulate growth in the housing market.

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