Punjab Chief Minister Maryam Nawaz Sharif has introduced a new housing program called Apni Chat Apna Ghar Scheme,’ which means ‘My Home, My Roof.’ This scheme aims to provide interest-free loans to low-income families in Punjab so they can build their own homes. During the inauguration ceremony in Lahore, CM Maryam emphasized how important it is for every family to have a home. She pointed out that people who already own homes might take them for granted, but for those who don’t have a roof over their heads, owning a house is a dream come true.
Also Read: Punjab’s Apna Ghar Apni Chhat Scheme: Installment Plans and Eligibility
| Key Details | Information |
| Scheme Name | Apni Chat Apna Ghar Scheme |
| Loan Amount | Up to Rs1.5 million |
| Eligibility | 1-5 marlas in urban areas, 1-10 marlas in rural areas |
| Repayment | Monthly installments up to Rs14,000 |
Loan Details
The scheme offers interest-free loans of up to Rs1.5 million to individuals who own 1 to 5 marlas of land in urban areas or 1 to 10 marlas in rural areas. The loans are designed to help these families build a decent home. The Punjab government has made sure that the loan repayments start only after a grace period of three months, and the maximum monthly installment is set at Rs14,000. This is to ensure that the repayments are affordable for low-income families.
Documents Required for Apni Chat Apna Ghar Scheme
To apply for the ‘Apni Chat, Apna Ghar’ scheme, you will typically need the following documents:
- CNIC (Computerized National Identity Card): A copy of your valid CNIC is required to prove your identity and residency in Punjab.
- Proof of Land Ownership: Documents that verify your ownership of land, such as property papers or a registry, are necessary. This should confirm that you own 1-5 marlas in urban areas or 1-10 marlas in rural areas.
- Income Proof: Evidence of your income, such as salary slips, bank statements, or a letter from your employer, may be required to assess your eligibility for the interest-free loan.
- Application Form: A completed application form, which can be filled out online via the official portal (acag.punjab.gov.pk) or through the helpline.
- Photographs: Recent passport-sized photographs may be required for identification purposes.
- Utility Bills: Copies of recent utility bills (e.g., electricity, gas) may be needed to verify your address.
These documents will be necessary to process your application and determine your eligibility for the scheme.
No Hidden Charges
One of the key features of the ‘Apna Ghar Apni Chhat’ scheme is that there are no hidden charges or costs. CM Maryam Nawaz Sharif made it clear that the scheme was designed without involving banks to avoid any extra financial burdens on the beneficiaries. The goal is to keep the process simple and transparent so that families can focus on building their homes without worrying about unexpected fees.
Also Read: Punjab Khushhali Survey (PSER) Started – Apply Now If You’re Below the PMT Score
Application Process
People interested in the scheme can apply through the Punjab Information Technology Board’s online portal or by calling a dedicated helpline. The Chief Minister assured everyone that the scheme would soon be expanded to cover all major cities in Punjab. The ultimate aim is to provide every deserving family with a home, making sure that even those with limited means can live with dignity.
House Design
The new houses under this scheme will include two bedrooms, a TV lounge, a bathroom, and a kitchen. These features are designed to ensure that even families with limited resources can live comfortably. CM Maryam Nawaz Sharif stressed the importance of getting this right because, as she said, “you only build a house once.” The government is committed to extending this housing scheme across the province within the next five years, so that everyone who deserves a home gets one.
Additional Support
In addition to the housing scheme, CM Maryam also announced an increase in financial assistance for special people through the ‘Himmat Card.’ The amount has been increased from Rs 75,000 to Rs10,000. The Himmat Card will be rolled out in phases, and only those holding special persons certificates from the district or tehsil level will be eligible. This financial support will be transferred to eligible individuals every three months.
Conclusion
The Apni Chat Apna Ghar scheme is a significant initiative by the Punjab government to provide affordable housing to low-income families. By offering interest-free loans and ensuring there are no hidden charges, the government aims to make homeownership a reality for many. With plans to expand the scheme to all major cities in Punjab, the government is committed to providing every deserving family with a home.
FAQs
What is the purpose of the Apni Chat Apna Ghar Scheme?
The scheme aims to provide interest-free loans to low-income families to help them build their own homes.
How much loan can I get under this scheme?
You can get a loan of up to Rs1.5 million.
Who is eligible for the scheme?
Individuals who own 1-5 marlas of land in urban areas or 1-10 marlas in rural areas are eligible.
How do I apply for the scheme?
Applications can be submitted through the Punjab Information Technology Board’s online portal or via the helpline.