On August 21, 2024, Punjab Chief Minister Maryam Nawaz Sharif announced a new housing scheme called “Apna Chhat Apna Ghar” (Our Roof, Our House). This scheme was launched just a week after her government announced an electricity subsidy in Punjab. The housing scheme is designed to help people in Punjab who own small plots of land but lack the financial means to build a home. Under this program, the government will provide interest-free loans to help these landowners build their own houses.
| Key Details | Information |
| Scheme Name | Apna Chhat Apna Ghar |
| Loan Amount | Up to Rs1.5 million |
| Loan Term | 7 years |
| Installment | Rs14,000 per month |
Contents
Eligibility and Loan Details
The scheme is targeted at landowners in both urban and rural areas of Punjab. Those who own 1 to 5 marlas of land in urban areas or 1 to 10 marlas in rural areas can apply for this interest-free loan. The maximum loan amount available under this scheme is Rs1.5 million.
The Chief Minister emphasized that for the first three months, no payment is required from the borrowers. After this period, the loan will be repaid in monthly installments of Rs14,000 over seven years. This installment amount has been carefully set to ensure that people can manage their household expenses along with the loan repayment.
Also Read: Apni Chat Apna Ghar Scheme 2024 (Registration Procedure)
Documents Required for The Apni Chat Apna Ghar Scheme
To apply for the Apna Chat Apna Ghar housing scheme, you will need to provide several important documents:
- National Identity Card (CNIC): You must submit a valid CNIC to confirm your identity and eligibility for the program.
- Land Ownership Proof: You’ll need to present documents that prove you own the land, such as a land registry or title deed. The land should be between 1-5 marlas in urban areas or 1-10 marlas in rural areas.
- Residence Verification: A document that verifies your current living address, such as a utility bill or rental agreement, will be required.
- Income Documentation: Proof of your income, like salary slips, bank statements, or an employer’s letter, is necessary to assess your financial situation.
- Filled Application Form: You must complete the application form, which is available online through the PITB portal or can be submitted at your local Deputy Commissioner’s office.
These documents ensure that the program reaches the right applicants. It’s important to make sure all your paperwork is accurate and up-to-date to avoid any issues during the application process.
Related Also: Apna Chat Apna Ghar Scheme – Loan Details and Payment Structure
Benefits of the Scheme
The Apna Chhat Apna Ghar scheme offers several benefits to the people of Punjab. By providing interest-free loans, the government is making it easier for people to build their own homes without the burden of high-interest rates.
The scheme also ensures that there are no hidden charges or costs involved, which is why banks were not included in the process. This transparency is aimed at gaining the trust of the citizens and ensuring that the loans are accessible to everyone who needs them.
- Interest-Free Loans: No interest on the loan amount.
- No Hidden Charges: Transparent loan process without involving banks.
- Flexible Repayment: Affordable monthly installments.
- Support for Low-Income Families: Focus on helping those with limited financial resources.
Application Process for the Scheme
The application process for the Apna Chat Apna Ghar scheme is simple and accessible. Interested individuals can apply online through the Punjab Information Technology Board (PITB) portal. For those who may not be comfortable with online applications, the government has provided a helpline number (0800-09100) where they can get assistance.
By calling this number, citizens can receive information and guidance from their local Deputy Commissioner’s office. This dual approach ensures that everyone, regardless of their technical skills, can apply for the scheme.
Related Also: New One-Window Centre Launched for Apni Chhat Apna Ghar Project
House Specifications and Expansion Plans
The houses built under this scheme will be well-designed and functional. Each house will include two bedrooms, a TV lounge, a bathroom, and a kitchen. The Chief Minister emphasized the importance of building homes that maintain the dignity and self-respect of the residents.
She also stated that the government plans to expand this scheme across Punjab within the next five years. This expansion aims to provide as many people as possible with the opportunity to own a home.
Conclusion
The Apna Chat Apna Ghar scheme is a significant step towards providing affordable housing for the people of Punjab. With interest-free loans, a straightforward application process, and a focus on transparency, the government is making it possible for more families to build their own homes.
This initiative not only addresses the immediate housing needs but also contributes to the long-term goal of improving the living conditions in Punjab. The scheme is set to grow in the coming years, ensuring that more and more people have access to safe and secure housing.
FAQs
What is the loan amount and repayment plan?
The loan amount is up to Rs 1.5 million, to be repaid over seven years with a monthly installment of Rs 14,000. No payment is required for the first three months.
Are there any hidden charges in the loan?
No, the loan process is transparent with no hidden charges or costs involved.
Sir,
Assalam o alikum
Sir I am doing private job and residence is also on rent. Pls help me.
When it will be start
When it will be start ?