The “Apni Chhat Apna Ghar” scheme, introduced by Chief Minister Maryam Nawaz, offers affordable housing solutions to low and middle-income families in Punjab. It aims to make homeownership more accessible by providing significant financial subsidies.
| Key Points | Details |
| Total Homes Planned | 100,000 across six cities |
| Government Subsidy | 60% of the total house cost |
| Beneficiary Payment | 40% paid through installments |
| Monthly Installment | Rs. 26,000 over 5 years |
Contents
Overview of the Scheme
The “Apni Chhat Apna Ghar” scheme targets low-income families in Punjab, offering them the chance to own homes. A total of 100,000 houses will be constructed across key cities like Lahore, Multan, and Faisalabad, with each house costing around 1.5 million PKR. The government will cover 60% of this cost, leaving the beneficiaries to pay the remaining 40%.
How Does the Subsidy Work?
One of the main benefits of this scheme is the large government subsidy. The government covers 60% of the house cost, while beneficiaries pay only 40% through installments. The installment plan requires families to pay Rs. 26,000 monthly over a period of five years, making the scheme affordable and within reach for many.
Eligibility Criteria for the Scheme
To be eligible for the “Apni Chhat Apna Ghar” scheme, applicants must meet certain requirements. They should be residents of Punjab, belong to a low-income family with a monthly income below Rs. 60,000, and must not own any property. Additionally, they should not be employed in any government position.
Key Points:
- Must be a resident of Punjab
- Monthly income under Rs. 60,000
- No existing home ownership
- Not involved in government employment
Installment Plan and Payment Process
Once approved for the scheme, beneficiaries must make a down payment of 40%, which amounts to Rs. 600,000. The rest of the cost is spread out into monthly installments of Rs. 26,000, which are to be paid over five years. This structure allows low-income families to pay for their homes gradually, without feeling overwhelmed by large upfront costs.
Vision Behind the Project
The Punjab government aims to provide high-quality, durable homes to its citizens through this scheme. Maryam Nawaz has emphasized the importance of building homes that are sturdy and capable of withstanding environmental changes. Sample homes will be constructed to showcase the quality and design of the project, building trust among potential beneficiaries.
Conclusion
The “Apni Chhat Apna Ghar” scheme is a transformative initiative that provides affordable housing to low-income families in Punjab. With the government covering 60% of the cost and offering a manageable installment plan, the scheme opens doors for thousands of families to own their homes. This project is expected to improve living standards and provide long-term stability for many citizens.
Also Read: 80,000 People Registered for Low-Cost Housing Scheme in Punjab (Latest Update)
FAQs
How much does the government cover in the “Apni Chhat Apna Ghar” scheme?
The government provides a 60% subsidy for the house cost, while beneficiaries pay the remaining 40%.
What is the installment plan for beneficiaries?
Beneficiaries will pay Rs. 26,000 per month over five years after making a 40% down payment.
Who qualifies for the “Apni Chhat Apna Ghar” scheme?
Applicants must be Punjab residents, with a monthly income below Rs. 60,000, and cannot own property.
What cities are included in the scheme?
The scheme will build homes in six cities, including Lahore, Multan, and Faisalabad.