The Punjab government, led by Chief Minister Maryam Nawaz, has introduced the “Apni Chhat Apna Ghar” scheme to help people who do not have their own house. The program is designed to provide financial assistance to low-income families, allowing them to build their homes with ease. Under this scheme, eligible participants can receive a loan of up to Rs 15 lakh, which can be repaid in easy installments over seven years. This initiative is a significant step towards providing shelter to those who struggle to afford a house.
| Key Points | Details |
|---|---|
| Loan Amount | Up to Rs 15 lakh, interest-free, 7-year repayment |
| Eligibility | Own a 5-10 marla plot, low income, < Rs 1 lakh in bank |
| Installment | Rs 14,000/month, first 3 months no payment |
| Registration | Online or at DC office, helpline: 0800-09100 |
Details of the Apni Chhat Apna Ghar Scheme
The Apni Chhat Apna Ghar scheme offers an opportunity to obtain a house with easy installment plans. Families can choose between a five-marla or a ten-marla plot, depending on their needs. The scheme is specifically aimed at low-income families who find it challenging to save enough money to build a home. By offering a loan of Rs 15 lakh, the program helps these families secure a place to live without the stress of high financial demands. The repayment plan is spread over seven years, making it manageable for those with limited income.
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Eligibility Criteria for the Scheme
To be eligible for the Apni Chhat Apna Ghar scheme, applicants must meet certain criteria. The applicant should own a plot of five to ten marlas, depending on the location—urban or rural areas. Additionally, the monthly income of the applicant should be low, and they should not have a significant amount of money in any bank account. If the applicant has a bank account, it should have less than Rs 1 lakh in it. These criteria ensure that the scheme benefits those who are genuinely in need of financial assistance to build their homes.
Loan Details and Installment Plan
The loan provided under this scheme comes with several benefits. Chief Minister Maryam Nawaz has announced that the loan is interest-free, and the first three months will not require any installment payments. After the initial period, the loan will be repaid in easy installments of Rs 14,000 per month over seven years. This plan is designed to be affordable for low-income families, enabling them to build their homes without undue financial strain. The scheme is available for residents of Punjab, and both urban and rural plot owners can apply.
Registration Process for Apni Chhat Apna Ghar
The registration process for the Apni Chhat Apna Ghar scheme is straightforward. Interested individuals can apply online or visit their nearest DC office to complete the registration. The government has provided clear instructions on how to apply, ensuring that the process is accessible to everyone. Once registered, applicants will receive updates on the status of their application, and if approved, they will be able to start building their homes with the financial support provided. This scheme is a part of the Punjab government’s broader efforts to improve the living conditions of its residents.
Helpline and Support Services
To assist applicants with the registration process and any other concerns, the government has set up a helpline. This service allows individuals to inquire about their application status and seek help if they encounter any issues during the process. The helpline is available at 0800-09100, and it is designed to provide quick and reliable information to all participants. This support system ensures that everyone who qualifies for the scheme can benefit from it without facing unnecessary obstacles.
Conclusion
The Apni Chhat Apna Ghar scheme, launched by Chief Minister Maryam Nawaz, is a groundbreaking initiative that aims to provide affordable housing to low-income families in Punjab. With the provision of interest-free loans and a flexible repayment plan, this program makes it possible for families to build their homes without financial stress. If you meet the eligibility criteria, this scheme offers a valuable opportunity to secure a home for your family. The government’s commitment to improving the lives of its citizens is evident in the careful planning and support provided through this program.