The Government of Punjab has launched the Apni Chhat Apna Ghar Scheme to provide loans for building houses. This program, supervised by Maryam Nawaz Sharif, is aimed at helping people get loans up to 15 lakh rupees. Many individuals have already completed their registration, and now the loan distribution has begun. In this article, we will explain the loan process in simple steps and how you can check your eligibility at home. Below is a short table explaining the key points.
| Key Points | Details |
| Loan Amount | Up to 15 lakh rupees |
| Registration | Online and offline both |
| Verification | Punjab Land Record Authority |
| Loan Distribution | Monthly draws for eligible people |
Contents
How to Check Eligibility for the Loan
If you’ve registered for the Apni Chhat Apna Ghar loan scheme, you can check your eligibility easily from home. The Punjab government has shared the list of successful candidates after the e-balloting process. To see if you’re eligible, visit the official website of the scheme. Look for the “e-balloting results” option on the homepage, select your district, and download the PDF file. Then, check if your name is in the list of successful candidates.
Steps to Avail the Loan
Once you are declared eligible, you can follow the simple process to receive the loan. Here’s how you can avail of the loan in easy steps:
- Land Verification: The Punjab Land Record Authority will verify if you own a plot as mentioned in your documents.
- First Loan Installment: After verification, the Bank of Punjab will release the first installment.
- Start of Construction: You need to start building your house with the first loan amount.
- Further Installments: After further verification, more loan installments will be provided for the completion of the house.
Loan Distribution Process
The loan is provided in steps to ensure that the money is used for house construction. Here’s a breakdown of how it works:
- The first installment is released once your land is verified.
- The second and third installments will only be given if the construction has started.
- The process continues until the full loan amount is disbursed.
- Loan verification is done through the Punjab Land Record Authority.
- Loans are distributed through monthly draws based on merit.
- Every year, around 1 lakh people will get loans for building houses.
Registration Process for New Applicants
If you haven’t registered for the Apni Chhat Apna Ghar Scheme yet, don’t worry. The registration is still open, and you can apply both online and offline. To register online, simply visit the official website of the scheme, create an account, and submit your application. If you prefer to apply in person, you can go to the Deputy Commissioner’s Office in your district and complete the registration there.
Conclusion
The Apni Chhat Apna Ghar Scheme is a great initiative by the Punjab government to help people build their homes. With a loan of up to 15 lakh rupees, successful candidates can start construction immediately after verification. The process is simple, and with monthly draws, many people will get a chance to fulfill their dreams of owning a house. If you haven’t registered yet, make sure to complete the process before the deadline.
Aslo Raed: How to Track Your Application in Apni Chat Apna Ghar Scheme
FAQs
What happens if I don’t start construction?
If you do not start the construction after receiving the first installment, you will not get further installments.
Can I reapply if I missed the registration?
Yes, as long as the registration process is open, you can still apply.
What documents are required for registration?
You need proof of land ownership, CNIC, and income documents.