The “Apni Chhat, Apna Ghar” (Our Roof, Our Home) program, launched by Punjab Chief Minister Maryam Nawaz, helps homeless people in Punjab by giving them free land and affordable houses. This initiative is an effort to make housing more accessible, especially to those with low incomes. The program is a step toward improving the living conditions of the less privileged in the province, making it a crucial part of Punjab’s social welfare agenda.
| Feature | Details |
| Loan Amount | Up to Rs1.5 million for construction |
| Repayment Terms | Repayable over 9 years with monthly installments |
| Target Number of Houses | 100,000 houses annually |
| Plots Developed | 2,807 plots in 35 government schemes across Punjab |
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Contents
Government Initiatives for Housing
The Punjab government has been working tirelessly to support the “Apni Chhat, Apna Ghar” program. An eight-member committee has been created to finalize the procedures for the allocation of free plots. The government is also working on accelerating the development of plots in various housing schemes across Punjab. In addition to this, there are plans to develop 20,000 houses by February 2025 as part of the ongoing efforts.
Loan Distribution and Financial Assistance
- The program provides interest-free loans to eligible beneficiaries.
- Loans can be used for constructing houses.
- Rs8.2 billion in loans have already been distributed to over 9,000 individuals.
- The goal is to disburse 40,000 loans by May 2025.
The financial assistance provided under this initiative aims to make homeownership more attainable for low-income families and reduce the burden of housing costs.
Progress and Achievements
The “Apni Chhat, Apna Ghar” program has already made significant strides. As of January 2025, over 9,000 loans have been disbursed, and 4,841 houses are under construction. The government is focused on achieving its target of 100,000 houses per year. The program also emphasizes completing 20,000 houses by February, which will help many more families secure homes in a short time.
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Conclusion
The “Apni Chhat, Apna Ghar” program is an ambitious and crucial initiative that aims to tackle homelessness and provide affordable housing to the people of Punjab. With financial assistance in the form of interest-free loans and free plots, the program is making homeownership a reality for many. Through these efforts, the Punjab government is contributing significantly to improving the living standards of low-income families and promoting social welfare in the province.
FAQs
How much loan can an individual receive under the program?
Eligible individuals can receive up to Rs1.5 million in loan assistance for building their homes.
How to apply for the “Apni Chhat, Apna Ghar” program?
Applications can be made online through the official website or by contacting the provided helpline.
How long is the repayment period for the loan?
The loan is repayable over nine years, with monthly installments.
How many houses are being targeted for construction annually under this program?
The program aims to construct 100,000 houses annually to provide homes to those in need.