The Punjab government has taken a significant step toward helping low-income families build their own homes by setting up dedicated facilitation desks in Faisalabad. These desks are part of the broader “Apni Chhat Apna Ghar” scheme, an initiative led by Punjab Chief Minister Maryam Nawaz, aimed at providing interest-free loans to people who need financial assistance to construct their homes.
Contents
What is the “Apni Chhat Apna Ghar” Scheme?
The “Apni Chhat Apna Ghar” scheme is a government initiative designed to help low-income families in Punjab realize their dream of owning a home. This program offers interest-free loans of up to Rs 1.5 million to eligible families, enabling them to build a basic house with essential facilities. The scheme is targeted at families who earn less than 60,000 PKR per month and own a small piece of land.
Facilitation Desks in Faisalabad
To make the application process more accessible, the Punjab government has established facilitation desks in various key locations across Faisalabad. These desks have been set up in the offices of the deputy commissioner, assistant commissioners, and the Punjab Housing and Town Planning Agency (PHATA). The purpose of these desks is to streamline the application process and provide on-the-spot assistance to applicants who may not have access to the internet or need help with their applications.
How to Apply for the Loan
Eligible families in Faisalabad can apply for the “Apni Chhat Apna Ghar” scheme either online or by visiting one of the facilitation desks. The process is straightforward, and there are no charges associated with submitting an application. Applicants who visit the facilitation desks will receive immediate help from the staff, who will submit their applications on the spot. Once the applications are collected, a balloting process will determine which applicants will receive the interest-free loan to build their homes.
Eligibility Criteria
To qualify for the loan under the “Apni Chhat Apna Ghar” scheme, applicants must meet the following criteria:
- Income: The family’s monthly income must be less than 60,000 PKR.
- Land Ownership: Applicants must own a plot of land, with a size of five marlas in urban areas or 10 marlas in rural areas.
- Purpose: The loan must be used to construct a house on the owned land.
This initiative is particularly beneficial for families in Faisalabad who struggle to finance the construction of their homes. The loan will cover the cost of building essential rooms, a kitchen, and a bathroom, providing families with a safe and comfortable living space.
Government Support
In addition to providing the loans, the Punjab government will also ensure that the new houses are equipped with basic amenities such as water, electricity, and sanitation. The house designs will be created in collaboration with the Pakistan Council for Architects and Town Planners, ensuring that they are practical and suitable for the needs of low-income families.
Conclusion
The establishment of facilitation desks in Faisalabad is a crucial step in making the “Apni Chhat Apna Ghar” scheme accessible to those who need it most. This initiative will help many low-income families in Faisalabad build their own homes without the burden of high-interest loans. By offering financial support and essential amenities, the Punjab government is helping these families achieve stability and security.
Also Read: Apni Chhat Apna Ghar Scheme District-Wise Contact & Complaint Numbers
FAQs
How does the balloting process work for the “Apni Chhat Apna Ghar” scheme?
After submitting your application, a balloting process will be conducted to select the successful applicants. Those chosen through the ballot will be granted an interest-free loan to build their homes.
Can families with existing loans apply for the “Apni Chhat Apna Ghar” scheme?
Yes, families with existing loans can still apply for the scheme, as long as they meet the income and land ownership criteria set by the program.
Is there a deadline for submitting applications at the facilitation desks?
While the exact deadline can vary, it’s recommended to submit your application as soon as possible since the facilitation desks will only be accepting applications for a limited time.
What happens if my application is not selected in the balloting process?
If your application is not selected, you may have the opportunity to reapply in future rounds of the program, depending on the availability of funds and the continuation of the scheme.