The Punjab government has launched a new housing scheme called the ‘Apni Chhat Apna Ghar’ scheme, which was officially inaugurated by Punjab Chief Minister (CM) Maryam Nawaz on August 21, 2024. This initiative aims to provide affordable housing to the people of Punjab, especially those who struggle to own a home due to financial constraints. The scheme is a significant step towards fulfilling the government’s promise of delivering quality homes quickly to those who need them the most.
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Interest-Free Loan of PKR 15 Lakh for Plots
One of the most attractive features of the ‘Apni Chhat Apna Ghar’ scheme is the provision of a PKR 15 lakh interest-free loan. This loan is specifically designed to help people purchase 5 marla plots in urban areas and 10 marla plots in rural areas. The loan makes it much easier for applicants to afford a plot of land, which is often the most expensive part of building a home. Additionally, the scheme offers a three-month grace period during which no payments are required, helping to ease the financial burden on applicants when they first enter the program.
Table: Key Features of the Apni Chhat Apna Ghar Scheme
| Feature | Details |
| Loan Amount | PKR 15 lakh interest-free loan |
| Plot Size | 5 marla (urban), 10 marla (rural) |
| Grace Period | Three months with no payments required |
| Monthly Installment | PKR 14,000 |
Affordable Monthly Installments
Chief Minister Maryam Nawaz emphasized the affordability of the scheme, noting that the monthly installment for the loan will be set at PKR 14,000. This amount is designed to be accessible for a wide range of people, making it possible for more families to participate in the scheme and eventually own their own home. The government has carefully considered the financial situations of potential applicants, ensuring that the monthly payment is within reach for many.
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Bullet Points: Key Benefits of the Apni Chhat Apna Ghar Scheme
- Interest-free loan of PKR 15 lakh for plot purchase.
- Three-month grace period with no payments required.
- Affordable monthly installment of PKR 14,000.
- Accessible to both urban and rural residents.
Housing Features Under the Scheme
The ‘Apni Chhat Apna Ghar’ scheme will be implemented in all major cities across Punjab, offering standardized housing options to ensure quality and comfort for all residents. The houses built under this scheme will include two bedrooms, a TV lounge, a bathroom, and a well-sized kitchen. These features are designed to meet the needs of small to medium-sized families, providing them with a comfortable living space. The government aims to maintain high construction standards while keeping costs low to make homeownership more attainable for the people of Punjab.
Solar Program to Reduce Electricity Bills
Another significant announcement made by Chief Minister Nawaz during the launch of the scheme was the introduction of Pakistan’s largest solar program, which is set to launch next year. This solar program is expected to significantly reduce, and potentially eliminate, electricity bills for the residents of the ‘Apni Chhat Apna Ghar’ scheme. The initiative is part of the government’s broader effort to make living more affordable and sustainable for the people of Punjab, by reducing their dependency on traditional, costly energy sources.
How to Apply for the Scheme
To make the application process simple and accessible, the Punjab government has launched an online portal (acag.punjab.gov.pk) where citizens can apply for the ‘Apni Chhat Apna Ghar’ scheme. The portal is designed to be user-friendly, allowing people from all walks of life to submit their applications easily. Additionally, citizens can call 0800-09100 for any information or assistance they might need regarding the scheme. This online system ensures that more people can take advantage of this housing initiative without facing the hurdles of a complicated application process.
Conclusion
The ‘Apni Chhat Apna Ghar’ scheme is a significant initiative by the Punjab government to provide affordable housing to the people of the province. With features like an interest-free loan, affordable monthly installments, and a user-friendly online application process, the scheme is set to benefit many families who dream of owning their own home. The additional promise of reduced electricity bills through the solar program further enhances the scheme’s appeal, making it a well-rounded solution to the housing needs of Punjab’s residents.
FAQs
Q1: What is the purpose of the Apni Chhat Apna Ghar scheme?
The scheme aims to provide affordable housing to the people of Punjab by offering interest-free loans and easy monthly installments.
Q2: How can I apply for the scheme?
You can apply online through the official portal (acag.punjab.gov.pk) or call 0800-09100 for assistance.
Q3: What are the features of the houses under this scheme?
The houses will include two bedrooms, a TV lounge, a bathroom, and a kitchen, designed for comfortable family living.
Q4: What is the monthly installment for the loan?
The monthly installment is set at an affordable PKR 14,000, making it accessible for many families.