The Punjab government has taken a significant step to assist low-income families in building their own homes by setting up facilitation desks for the ‘Apni Chhat Apna Ghar’ scheme. These desks have been established in various offices, including those of deputy commissioners, assistant commissioners, and the Punjab Housing and Town Planning Agency (PHATA). The goal of these desks is to streamline the application process and make it easier for eligible families to apply for this housing scheme.
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Facilitation Desks Across Punjab
To ensure the smooth processing of applications, the Punjab government has set up facilitation desks in key locations such as the offices of deputy commissioners, assistant commissioners, and PHATA. These desks are designed to help applicants with the submission of their applications for the ‘Apni Chhat Apna Ghar’ scheme. In the first two days alone, PHATA received 5,000 applications from across the province, including Rawalpindi. The facilitation desks will continue to receive applications for the next eight to ten days, providing ample time for interested families to apply.
Table: Key Details of the ‘Apni Chhat Apna Ghar’ Scheme
| Detail | Information |
| Facilitation Desks Location | Deputy Commissioner, Assistant Commissioner, and PHATA offices |
| Application Period | Next 8-10 days |
| Loan Amount | Rs 1.5 million with zero interest |
| Eligibility | Families with income less than Rs 60,000, owning 5 marla land (urban) or 10 marla land (rural) |
Application Process for the Scheme
The application process for the ‘Apni Chhat Apna Ghar’ scheme has been made accessible to everyone. People can submit their applications online, but if they do not have internet access, they can visit the facilitation desks at the offices of assistant commissioners or PHATA. The staff at these desks will assist applicants in submitting their forms on the spot. Importantly, there are no charges or fees required to apply for the scheme, ensuring that it remains accessible to all eligible families.
Bullet Points: How to Apply for the Scheme
- Submit your application online or at facilitation desks.
- No charges or fees are required for the application.
- Receive assistance from staff at facilitation desks if needed.
- Ensure you meet the eligibility criteria before applying.
Eligibility Criteria for the Loan
To qualify for the loan under the ‘Apni Chhat Apna Ghar’ scheme, applicants must meet certain criteria. The loan is available to families who own five marla land in urban areas or 10 marla land in rural areas. Additionally, the family’s monthly income must be less than Rs 60,000. The loan amount provided under this scheme is Rs 1.5 million, which will be given without any interest. This amount is intended to help families construct basic housing facilities, including two rooms, a kitchen, and a bathroom.
Benefits of the Scheme
The primary aim of the ‘Apni Chhat Apna Ghar’ scheme, launched by Punjab Chief Minister Maryam Nawaz, is to assist low-income families in building their own homes. Although the loan amount may not seem large, it is sufficient to construct a modest home with basic facilities. The loan will be repaid in easy installments over seven years, without any interest, making it a manageable financial commitment for these families. The scheme also ensures that the houses are equipped with essential services like water, electricity, and sanitation.
Conclusion
The ‘Apni Chhat Apna Ghar’ scheme is a commendable initiative by the Punjab government, aimed at helping low-income families achieve the dream of homeownership. The establishment of facilitation desks across Punjab simplifies the application process, ensuring that eligible families can easily apply for the interest-free loan. With the support of the government, these families can now look forward to constructing their own homes with the basic amenities they need for a comfortable life.
FAQs
Where can I apply for the ‘Apni Chhat Apna Ghar’ scheme?
Applications can be submitted online or at the facilitation desks set up in the offices of deputy commissioners, assistant commissioners, and PHATA.
What is the eligibility criteria for the loan?
The loan is available to families with an income of less than Rs 60,000 who own five marla land in urban areas or 10 marla land in rural areas.
Are there any fees for applying?
No, there are no charges or fees required to apply for the scheme.
How will the loan be repaid?
The loan will be repaid in easy installments over seven years, without any interest.