The Punjab government recently launched the ‘Apni Chhat, Apna Ghar’ program, which means ‘Own Roof, Own Home.’ This initiative was inaugurated by Chief Minister Maryam Nawaz Sharif and aims to provide financial support to people in certain districts of Punjab to help them build their homes. The first phase of the program focuses on specific districts, but it will be expanded to other areas in the future.
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| Key Details | Information |
| Scheme Name | Apni Chhat, Apna Ghar |
| Loan Amount | Up to Rs1.5 million |
| Target Areas | Urban and rural areas |
| Repayment | Seven years in soft installments |
Application Process
- The Chief Minister launched an online portal (acag.punjab.gov.pk) for citizens to apply for the program.
- A helpline number, 0800-09100, is available to assist citizens with any inquiries.
- The portal and helpline make the application process accessible and easy for everyone.
- Landowners in urban areas with 1 to 5 marlas of land can apply for the program.
- Landowners in rural areas with 1 to 10 marlas of land are also eligible to apply.
- Applicants can receive a loan of up to Rs1.5 million through the program.
- The loan can be used to build or complete their homes.
Interest-Free Loans
One of the significant aspects of the scheme is that the loans provided are interest-free. The debt is designed to be paid back within seven years through easy monthly installments, with a maximum amount of Rs14,000 per month. The government has ensured that there are no hidden charges or additional costs, making the process transparent and straightforward for the beneficiaries. This initiative is aimed at making home ownership more accessible for people with limited financial resources.
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CM’s Vision for Punjab
During the launch, CM Maryam Nawaz Sharif emphasized the importance of this housing scheme, highlighting that it is a major step forward for Punjab. She mentioned that the government machinery is working diligently to ensure the success of this program. The Chief Minister also shared that former Prime Minister Nawaz Sharif, who had previously distributed land to small farmers, strongly supports this initiative. He believes that providing a home is one of the best services to humanity.
Support for Electricity Bills
Alongside the housing scheme, the Punjab government is also providing relief in electricity bills. The Chief Minister announced that Rs45 billion has been allocated to reduce electricity bills for consumers in Punjab. The relief will lower the cost per unit by Rs14 for those using between 200 and 500 units per month. This relief is set to last for two months and is part of the government’s broader strategy to reduce the financial burden on the people of Punjab.
Quality and Expansion
CM Maryam Nawaz Sharif assured that all houses built under the scheme would adhere to the quality standards set by the model houses. She encouraged citizens to take advantage of the loans provided by the government to build or complete their homes. The program will initially be launched in five to six districts but will soon expand to cover other districts across Punjab. The goal is to ensure that every deserving family in the province has a safe and secure home.
Conclusion
The ‘Apni Chhat, Apna Ghar’ scheme represents a significant effort by the Punjab government to support low-income families in building their homes. With interest-free loans, transparent processes, and a focus on quality, the program is set to make a positive impact on many lives. As the scheme expands to cover more districts, the government is committed to providing every deserving family with the opportunity to own a home.
FAQs
What is the ‘Apni Chhat, Apna Ghar’ scheme?
It is a housing program launched by the Punjab government to provide interest-free loans for building homes.
Who is eligible for the scheme?
Landowners with 1-5 marlas in urban areas and 1-10 marlas in rural areas are eligible.
How much loan can I get?
You can get a loan of up to Rs1.5 million.
Is there any interest on the loan?
No, the loans provided under this scheme are interest-free.