The Apna Ghar Apni Chhat scheme is a major housing project introduced by the Punjab government. It aims to provide 500,000 houses to the people of Punjab within the next five years. This initiative was approved during a cabinet meeting chaired by Chief Minister Maryam Nawaz. The scheme is designed to help families with lower incomes to have access to affordable homes, either through loans or direct allocation of houses. It marks an important step towards reducing homelessness and improving living standards across the province.
| Scheme Details | Information |
| Number of Houses | 500,000 |
| Loan Amount | Rs 1.5 million |
| Monthly Installment | Rs 14,000 for 9 years |
| Program Duration | 5 years |
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Loan Facilities for Home Ownership
The Apna Ghar Apni Chhat scheme also provides an easy loan system for people who own plots and have a valid CNIC. The loan amount will be up to Rs 1.5 million, and the borrower will need to repay it in monthly installments of Rs 14,000 over nine years. This loan system has been turned into a revolving fund by the government, which means there will be no extra charges added. The goal is to make it as simple as possible for people to get the loans they need to build their homes.
Rural and Urban Housing Plans
The housing scheme covers both rural and urban areas of Punjab. In rural areas, loans are available for houses up to 10 marlas, while in urban areas, the same loan amount is available for houses up to 5 marlas. This ensures that families across different regions, whether they live in villages or cities, can benefit from the program. The government is making sure that everyone has equal opportunities to apply for housing loans and fulfill their dream of owning a home.
Apartments in Major Cities
In addition to houses, the scheme also includes plans to build four-story flats in major cities on government land. These flats will be allocated to people through a lottery system. The winners of the lottery will be given the flats in easy installments, making it possible for people living in crowded cities to own an apartment. This part of the scheme will help reduce the housing shortage in urban areas and provide people with a comfortable place to live.
- Loans up to Rs 1.5 million
- Easy monthly installments of Rs 14,000
- Flats in major cities through a lottery system
- Subsidies for private housing projects
Green Tractor Program
Along with the housing scheme, the Punjab government has also launched the Green Tractor Program. Under this initiative, 9,500 tractors will be distributed to farmers with a subsidy of Rs 1 million each. The program is designed to help farmers improve their agricultural productivity by providing them with modern farming equipment at a lower cost. The tractors will be distributed through a balloting system, and the first round of distribution will begin on September 20, with the balloting scheduled for October 20.
Also Read: Apni Chhat Apna Ghar Programme: Housing Loan for Rural and Urban Areas Update
Conclusion
The Apna Ghar Apni Chhat scheme is an important initiative by the Punjab government to provide affordable housing to families in need. With easy loan options, subsidies, and a plan to build flats in major cities, the scheme is set to improve the lives of many people. It also creates opportunities for farmers to improve their work through the Green Tractor Program. Overall, these initiatives show the government’s commitment to helping people live better, more secure lives in the coming years.