The Apni Chhat Apna Ghar scheme, initiated by the Punjab government, is a major step toward providing affordable housing across the province. This program aims to provide 100,000 homes to low-income families, especially those living in rented or informal housing. The allocation of loans for housing under this scheme is divided across various districts to ensure a fair distribution of resources and opportunities.
| District | Loan Quota |
| Lahore | 1690 |
| Faisalabad | 851 |
| Multan | 726 |
| Muzaffargarh | 714 |
| Sialkot | 570 |
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Importance of District-Wise Quota Allocation
The district-wise distribution of loans under Apni Chhat Apna Ghar ensures that housing benefits reach every corner of Punjab. This allocation is critical because it provides an equitable distribution of funds, focusing on both urban and rural areas. The government aims to address the housing crisis by giving priority to districts with higher populations and lower housing facilities.
Central Punjab Quota Distribution
Central Punjab, including key districts like Lahore, Faisalabad, and Sargodha, has a large share of the allocated loans. Lahore, being the provincial capital and the largest city, receives the highest number of loans at 1,690. Faisalabad follows with 851 loans, while Sargodha gets 520 loans. This distribution reflects the higher housing demands in these densely populated areas.
Southern Punjab Loan Allocation
In Southern Punjab, districts like Multan, Rahim Yar Khan, and Bahawalpur receive significant attention due to their large populations. Multan, one of the major cities in the region, has been allocated 726 loans, while Rahim Yar Khan and Bahawalpur receive 714 and 517 loans, respectively. This regional focus is aimed at promoting development in areas that have traditionally faced economic challenges.
Northern Punjab Quota Allocation
In Northern Punjab, districts like Rawalpindi, Gujranwala, and Attock have been allocated loans under the scheme. Rawalpindi, with its strategic importance near the capital, receives 600 loans, while Gujranwala gets 657 loans. The government is targeting densely populated areas with inadequate housing facilities to maximize the impact of this initiative.
Benefits for Rural Areas
The scheme ensures that even remote and rural areas are not left behind. Districts like Bhakkar, Layyah, and Mianwali have been allocated a fair share of loans to address their housing needs. Bhakkar receives 283 loans, while Layyah and Mianwali get 366 and 307 loans, respectively. This inclusive approach ensures that rural populations benefit from the scheme.
Conclusion
The Apni Chhat Apna Ghar scheme is a vital initiative that promises to address Punjab’s housing challenges. By distributing loans across districts based on population and housing needs, the scheme aims to ensure fair access to affordable housing for all. The district-wise quota allocation allows the government to target both urban and rural areas, making housing more accessible to low-income families throughout Punjab.
Also Read: Apni Chhat Apna Ghar Scheme: Second Phase Begins in 2024
FAQs
Who is eligible for the loans under the Apni Chhat Apna Ghar scheme in 2024?
Residents of Punjab who own plots of up to 5 marlas in urban locations or up to 10 marlas in rural areas qualify for the program.
How is the loan amount distributed now?
The maximum loan amount of PKR 1.5 million is disbursed in easy monthly installments over a period of seven years.
What is the interest rate on the loan in 2024-25?
The program provides interest-free loans to eligible beneficiaries
How can I apply for this housing scheme now?
Interested individuals can apply through the official Apni Chhat Apna Ghar portal provided by the Punjab government​