The Punjab government has introduced the “Apni Chhat Apna Ghar” scheme to help low-income families build their own homes. To make the application process easier, the government has set up facilitation desks in various offices across the province. These desks are located in the offices of deputy commissioners, assistant commissioners, and the Punjab Housing and Town Planning Agency (PHATA). This initiative aims to streamline the application process and ensure that eligible families can easily apply for the scheme.
| Office Locations | Application Methods |
| Deputy Commissioner’s Office | Online and in-person registration |
| Assistant Commissioner’s Office | Application submission and assistance |
| PHATA Office | On-the-spot application submission |
Contents
Facilitation Desks for Easy Applications
To help residents apply for the “Apna Ghar” scheme, the Punjab government has established facilitation desks in key locations. These desks are set up in the offices of deputy commissioners, assistant commissioners, and PHATA.
The goal is to make the application process as easy as possible for people who may not have access to online services. For those who do have access, online applications are also available. This dual approach ensures that all eligible families can apply, regardless of their access to technology.
High Number of Applications Received
In just the first two days of the scheme’s launch, the facilitation desks received 5,000 applications from across Punjab, including Rawalpindi. According to PHATA Director General Saif Anwar Jappa, the desks will continue to accept applications for the next eight to ten days.
Once all applications are received, a balloting process will be held. Successful applicants will receive a loan of Rs1.5 million with zero interest to help them construct their houses. This high number of applications shows the strong interest in the scheme from families across the province.
Related Also: CM Punjab Launches Model House under ‘Apni Chhat Apna Ghar’ Scheme
How to Apply for the Loan
- Free Application: No charges for submitting applications.
- No Hidden Costs: The entire process is free of any additional expenses.
- In-Person Support: Facilitation desks offer help with the application process.
- Online Options: Applicants can also apply through the online portal.
Eligibility Criteria for the Scheme
To be eligible for the “Apna Ghar” scheme, applicants must meet certain conditions. Families that own five marlas of land in urban areas or ten marlas in rural areas are eligible to apply for the loan. Additionally, the family’s monthly income must be less than Rs60,000.
The Punjab government will also allocate space for three-marla houses in large cities under PHATA’s control, with the government covering the construction costs. The main goal of this scheme is to provide affordable housing to low-income families who otherwise would not be able to build their own homes.
Loan Details and Repayment Terms
The loan provided under the “Apna Ghar” scheme is Rs1.5 million, which is sufficient to build a small house with two rooms, a kitchen, and a bathroom. The loan will be provided without any interest, and families can repay it in easy installments over seven years.
This makes the scheme highly affordable for low-income families. The government has also partnered with the Pakistan Council for Architect and Town Planning to design the house maps. These homes will include basic amenities such as water, electricity, and sanitation, ensuring a decent living environment for the residents.
Conclusion
The “Apna Ghar” scheme is a significant step by the Punjab government to help low-income families build their own homes. With the establishment of facilitation desks across the province, the application process has been made simple and accessible.
The scheme’s zero-interest loan and easy repayment terms make it an attractive option for families who need financial assistance to construct their homes. By providing this support, the Punjab government is working towards improving the living conditions of its citizens and helping them achieve the dream of owning a home.
FAQs
Where can I submit my application for the ‘Apna Ghar’ scheme now?
You can submit your application at the deputy commissioner’s office, assistant commissioners’ offices, or PHATA offices. You can also apply online.
Is there any cost to apply for the scheme now?
No, there are no charges for submitting an application, and the entire process is free.
What is the eligibility criteria for the loan now ?
Families with a monthly income of less than Rs60,000, owning five marlas of land in urban areas or ten marlas in rural areas, are eligible to apply.
How will the loan be repaid now?
The loan will be repaid in easy installments over seven years without any interest.