How to Secure Government Subsidy Under the “Apni Chhat Apna Ghar” Scheme

In response to the rising challenges of homeownership for low and middle-income families in Punjab, Chief Minister Maryam Nawaz Sharif has introduced the “Apni Chhat Apna Ghar” scheme. This initiative aims to provide affordable housing options to those who find it difficult to build their own homes due to the high costs associated with modern construction.

Overview of the “Apni Chhat Apna Ghar” Scheme

The “Apni Chhat Apna Ghar” scheme is an ambitious housing project that aims to construct 100,000 houses across six major cities in Punjab. The first phase includes the construction of 5,000 homes in Lahore, near Raiwind Road, with an additional 3,000 homes being built in other key cities such as Multan, Faisalabad, Rawalpindi, Sargodha, and Sialkot. The total cost for each house is set at 1.5 million Pakistani rupees.

Key Points	Details
Government Subsidy	60% of the total cost of each house covered by the government
Beneficiary Contribution	40% of the cost paid by the beneficiary through installments
Installment Plan	Rs. 26,000 per month over five years
Eligibility Criteria	Punjab residents, low-income families, no existing home ownership, not involved in government employment

How Does the Subsidy Work?

One of the most attractive features of this scheme is the government’s commitment to making homeownership affordable through a substantial subsidy. The government will cover 60% of the total cost of each house, leaving the beneficiaries responsible for only 40%. This 40% can be paid through a down payment, followed by easy monthly installments of Rs. 26,000 over five years. This subsidy greatly reduces the financial burden on low-income families, making it possible for them to own a home.

Eligibility Criteria for the Scheme

• Applicants must be residents of Punjab.
• They must belong to a low-income family with a monthly income of less than 60,000 PKR.
• Applicants should not already own a home.
• They must not be involved in any government employment.

Installment Plan and Payment Process

Those who successfully register for the “Apni Chhat Apna Ghar” scheme will need to pay a down payment that amounts to 40% of the total house cost, which is 6 lakh PKR. The remaining balance will be paid through a structured installment plan of Rs. 26,000 per month over five years. This plan is designed to be manageable for low-income families, allowing them to gradually pay off their homes without overwhelming financial stress.

Vision Behind the Project

The Punjab government, under the leadership of Maryam Nawaz, is committed to ensuring that the homes built under the “Apni Chhat Apna Ghar” scheme meet high construction standards. The Chief Minister has emphasized that these homes will be durable and capable of withstanding environmental changes. Sample homes will be constructed within six weeks to showcase the design and quality, ensuring transparency and building trust among potential beneficiaries.

Conclusion

The “Apni Chhat Apna Ghar” scheme is a groundbreaking initiative aimed at addressing the housing needs of low-income families in Punjab. By offering a substantial government subsidy and an affordable installment plan, the scheme makes it possible for thousands of families to own a home. With a focus on quality construction and long-term sustainability, this project is set to improve living standards and provide a stable future for many.

Also Read: Apni Chhat Apna Ghar Scheme: Facilitation Desks Established in Faisalabad

FAQs

What makes the “Apni Chhat Apna Ghar” scheme unique in terms of affordability?
The scheme offers a 60% government subsidy on the total cost of each home, making it significantly more affordable for low-income families. This allows beneficiaries to pay only 40% of the cost through a manageable installment plan.

How does the installment plan under this scheme help low-income families?
The installment plan requires a down payment of 40% of the total house cost, with the remaining amount to be paid in monthly installments of Rs. 26,000 over five years, making it easier for families to gradually pay off their homes.

What assurances has the Punjab government given regarding the quality of homes built under this scheme?
The government has committed to constructing high-quality homes that are durable and environmentally stable. Sample homes will be built within six weeks to demonstrate the standard and design, ensuring transparency and beneficiary satisfaction.