New Eligibility Criteria for Apni Chat Apna Ghar Scheme in 2024

The Punjab government has introduced a new housing program called the “Apni Chhat, Apna Ghar” scheme. This initiative aims to help people in Punjab, especially in the first phase, where it will be launched in selected districts. The main goal of this program is to provide financial assistance to those who own small pieces of land but need help to build a home.

The Chief Minister of Punjab, Maryam Nawaz, officially launched the online portal for the scheme, where citizens can apply and get more information. There is also a helpline number (0800-09100) available for inquiries.

Key Aspect	Details
Loan Amount	Rs1.5 million
Land Eligibility	1-5 marlas in urban areas, 1-10 marlas in rural areas
Repayment Plan	7 years, maximum Rs14,000 per month
Interest & Charges	No interest, no hidden or service charges

Loan Details and Payment Plan

Under this program, eligible landowners can receive a loan of Rs1.5 million. This loan is available to those who own between one to five marlas of land in urban areas and one to ten marlas in rural areas. The loan must be repaid within seven years, with soft and easy installments.

The maximum monthly installment is Rs14,000, making it manageable for most families. Importantly, there is no interest, hidden charges, or service fees on this loan, making it a very attractive option for those looking to build their homes.

You may also read: Apni Chat Apna Ghar Scheme 2024 (Registration Procedure)

Eligibility Criteria for Apni Chat Apna Ghar Scheme

To qualify for the Apni Chhat Apna Ghar Scheme, applicants must meet specific eligibility requirements. Here are the key criteria:

Punjab Residency: The applicant must be a permanent resident of Punjab, as verified by their CNIC (Computerized National Identity Card).
Land Ownership: The applicant should own a piece of land in Punjab. The land must be between 1 to 5 marlas in urban areas or 1 to 10 marlas in rural areas. This land should be in the applicant’s name, and it should be the only plot they own.
Head of Family: The applicant must be the head of their nuclear family, according to NADRA records. This means they should be responsible for the household and its members.
No Criminal Record: The applicant must not have any criminal history, including convictions for violent crimes, anti-state activities, or other serious offenses.
Loan Repayment Capability: The applicant should demonstrate the ability to repay the loan within the seven-year period. The maximum monthly installment is Rs14,000.
New Construction: The scheme is aimed at individuals who are either starting new construction or need financial assistance to complete an ongoing construction project.

Meeting these criteria is essential for applicants who wish to benefit from the Apni Chhat Apna Ghar Scheme.

Electricity Bills and Solar Panel Project Relief

In addition to the housing scheme, Maryam Nawaz announced a significant relief in electricity bills for the people of Punjab, amounting to Rs45 billion. This relief is part of a broader plan to reduce the financial burden on households. She also revealed plans for one of the largest solar panel projects in the history of Punjab. This project aims to reduce reliance on traditional energy sources and prevent the issue of high utility bills in the future.

Quality Assurance and Expansion Plans

The Chief Minister has directed that all houses built under this scheme must meet the quality standards of the model houses. The scheme will initially be launched in five to six districts, with plans to expand it to other parts of Punjab in the future. Maryam Nawaz also mentioned that even if someone has already started building their house, they can still apply for financial assistance to complete the construction.

Also Read: CM Punjab Launches Model House under 'Apni Chhat Apna Ghar' Scheme

Cooperation Between Punjab and Sindh

Maryam Nawaz expressed her hopes for cooperation between Punjab and Sindh, especially in areas of public welfare. She praised the good work being done in Sindh and suggested that both provinces could learn from each other. She highlighted the importance of mutual respect and collaboration between the provinces to improve the lives of all citizens.

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