Punjab Chief Minister Maryam Nawaz Sharif has approved a substantial allocation of Rs 62 billion for the ‘Apni Chhat Apna Ghar’ program, aiming to provide interest-free housing loans to underprivileged families across the province.
Table of Contents
The ‘Apni Chhat Apna Ghar’ initiative is designed to assist families who own land but lack the financial resources to construct a home. By offering interest-free loans, the program empowers these families to build their residences, ensuring that more citizens have access to safe and secure housing.
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| Details | Information |
| Scheme Name | Apni Chhat Apna Ghar |
| Total Allocation | Rs62 Billion |
| Loan Amount | Up to Rs1.5 Million (Potential Increase to Rs2 Million) |
| Target Beneficiaries | 40,000 families by May 2025 |
| Application Deadline | Open until May 2025 |
| Required Documents | CNIC, Proof of Land Ownership |
| Current Beneficiaries | Over 5,000 |
| Expected Loan Disbursement Start | Ongoing |
Key Features of the Apni Chhat Apna Ghar Scheme
- Loan Amount: Initially, the program offered loans up to Rs1.5 million. However, there is a proposal under consideration to increase this amount to Rs2 million to better accommodate construction costs.
- Target Beneficiaries: The scheme aims to disburse loans to 40,000 individuals by May 2025. As of now, approximately 5,000 citizens have already benefited, with over 4,200 houses nearing completion.
- Eligibility Criteria:
- Applicant must be the head of a nucleus family as per NADRA records.
- Permanent resident of Punjab with a valid CNIC.
- Sole owner of a land parcel measuring up to 5 Marla in urban areas or up to 10 Marla in rural areas within Punjab.
- No criminal record or loan defaults.
- Registered with the National Socio-Economic Registry (NSER) with a PMT score of 60 or less.
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Application Process for the Apni Chhat Apna Ghar Scheme
Interested applicants can apply through the official ‘Apni Chhat Apna Ghar’ portal. The process involves creating an account, filling out the application form, and submitting the required documents. Alternatively, applications can be submitted offline at designated registration desks in commissioner offices.
Required Documents for the Apni Chhat Apna Ghar Scheme
To complete the application, applicants need to provide:
- National Identity Card (CNIC): Proof of identity and Punjab residency.
- Land Ownership Proof: Documents such as land registry or stamp paper confirming ownership of the specified land.
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Approves Rs 62bn for Apni Chhat Apna Ghar Scheme Recent Developments
In a recent meeting, CM Maryam Nawaz emphasized the importance of expediting the loan disbursement process to meet the set targets. She also highlighted the need to review the proposal for increasing the loan amount to better support beneficiaries.
Conclusion
The ‘Apni Chhat Apna Ghar’ scheme represents a significant step towards addressing housing challenges in Punjab. With the recent approval of Rs 62 billion, the program is set to expand its reach, providing thousands of families with the opportunity to build their own homes and improve their quality of life.
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FAQs
Who is eligible for the ‘Apni Chhat Apna Ghar’ scheme?
The scheme is open to heads of nucleus families who are permanent residents of Punjab, own a specified land parcel, have no criminal record or loan defaults, and are registered with NSER with a PMT score of 60 or less.
How can I apply for the scheme?
Applications can be submitted online through the official portal or offline at designated registration desks in commissioner offices.
What documents are required for the application?
Applicants need to provide a valid CNIC and proof of land ownership, such as a land registry or stamp paper.
Is there a deadline for application submission?
While a specific deadline has not been announced, applicants are encouraged to apply promptly as the scheme aims to disburse loans to 40,000 individuals by May 2025.
Can the loan amount be increased?
There is a proposal under consideration to increase the loan amount from Rs1.5 million to Rs2 million.
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