Punjab Chief Minister Maryam Nawaz Sharif has launched the Apni Chat Apna Ghar scheme to help people in the province own affordable homes. This program is designed to provide easy loans and affordable housing to those who need it most. The government will construct over 3,000 homes in each district, with a focus on five major cities. In the first phase, 5,000 homes will be built in Lahore near Raiwind Road.
| Program Name | Apni Chhat Apna Ghar |
| Focus Cities | Multan, Faisalabad, Sialkot, Sargodha, Rawalpindi |
| Lahore First Phase | 5,000 homes near Raiwind Road |
Contents
Affordable Housing for Everyone
The Apni Chhat Apna Ghar scheme offers a highly affordable solution for those who wish to own a home. Each apartment is priced at Rs. 1.5 million, but with the government providing a 60% subsidy, people will only need to pay 40% of the cost. This can be paid in small monthly installments of Rs. 26,000 over five years, making it accessible even to families with low incomes.
Easy Loan Options
One of the key features of this program is the easy loan plan. In the first phase, 70,000 families will receive interest-free loans to help them build their homes. This initiative is especially beneficial for poor and homeless people who own land but cannot afford to construct a house. The government is working hard to ensure that everyone can have a home through this scheme.
How to Apply for the Apni Chhat Apna Ghar Scheme in 2024
To apply for a home or loan under the Apni Chhat Apna Ghar scheme, you need to follow a simple process. The Punjab Information Technology Board (PITB) has created an online portal where applicants can register, track, and manage their applications. Here are the steps to apply:
- Visit the Portal: Go to acag.punjab.gov.pk.
- Fill Out the Registration Form: Provide your full name, CNIC number, father or husband’s CNIC number, gender, email address, mobile number, and location details (division, district, city). Create a user password to complete the registration.
- Receive Eligibility Certificate: After registering, you will get a certificate form to confirm your eligibility.
- Complete the Application: Once your eligibility is confirmed, you can fill out the application form. If you own land and need a loan to build a house, you can submit your application with the required documents.
Benefits of the Apni Chhat Apna Ghar Program in 2024
This scheme offers several benefits to the people of Punjab. It provides affordable housing solutions for low-income families, making homeownership a reality for those who need it most. It also promotes socio-economic development by improving living standards and reducing homelessness. With interest-free loans and a significant government subsidy, families can secure a permanent residence without the financial burden of high interest rates.
- Affordable Housing: 60% government subsidy on home costs.
- Easy Loans: Interest-free loans for home construction.
- Permanent Residences: Helping poor and homeless families.
- Improved Living Standards: Contributes to socio-economic development.
Government Support and Vision
The Apni Chhat Apna Ghar scheme is a key part of the Punjab government’s efforts to support the poor and homeless. Saif Anwar, the Director General of the Housing and Town Planning Agency, paid a visit to the One Window Operation Center to tell locals about the initiative. He emphasized that this project is aimed at helping people who own land but cannot afford to build a home. By providing interest-free loans, the government is making homeownership possible for thousands of families.
Conclusion
The Apni Chhat Apna Ghar scheme is an excellent opportunity for low-income families in Punjab to own a home. With affordable housing options, government subsidies, and interest-free loans, this program makes it easy for people to apply and benefit. If you want to own a home under this scheme, be sure to apply through the online portal and take advantage of the support offered by the government. This initiative is a significant step toward reducing homelessness and improving living conditions for the people of Punjab.