Punjab’s Chief Minister, Maryam Nawaz, has unveiled the “Apni Chhat Apna Ghar” scheme, aimed at addressing the housing needs of 70,000 families. Under this initiative, families can avail themselves of interest-free home loans of up to PKR 15 lakh, repayable over seven years.
The program includes a district-wise quota system to ensure equitable loan distribution. Applicants can use the funds to construct homes on plots of up to 5 marlas in urban areas or 10 marlas in rural areas, with the government covering the construction taxes.
Eligibility Criteria for the Loan
To qualify for this scheme, applicants must meet the following requirements:
- Income: Monthly earnings must not exceed PKR 60,000.
- Property Ownership: Applicants must own land within the specified limits (5 marlas in urban, 10 marlas in rural).
- No Home Ownership: Applicants must not already own a home.
- Financial Standing: Preference for individuals facing financial hardships.
- Employment: Government employees are ineligible.
- Residency: Must be a resident of Punjab.
- Age: Minimum age is 18 years.
- Criminal Record: No criminal record is allowed.
- Poverty Score: Applicants should have a poverty score below 30%.
Required Documents
Applicants need the following documents for registration:
- Proof of Property: Documents confirming ownership of the plot.
- CNIC: Front and back copies of a valid CNIC.
- Recent Photograph: Passport-sized photograph.
Step-by-Step Application Process
Applying for the scheme is simple and can be done online. Follow these steps:
- Visit the official portal: https://acag.punjab.gov.pk.
- Create an Account: Register using your CNIC, phone number, and address.
- Log In: Access your account with your CNIC and password.
- Agree to Terms: Accept the terms and conditions.
- Provide Personal Information: Enter details like your occupation, monthly income, and father’s name.
- Submit Property Details: Share information about your land’s location and type.
- Upload Documents: Upload CNIC copies and property proof.
- Submit Application: Complete the application and wait for eligibility confirmation.
Fair Distribution Through District Quotas
To ensure fairness, loans are allocated district-wise. If applications exceed the set quota, the government will use a lottery system to distribute loans.
Why This Scheme Matters
The “Apni Chhat Apna Ghar” initiative represents a significant step toward affordable housing in Punjab. By offering easy-to-repay loans, the government is empowering families to build homes and improve their living standards.
Interested individuals should visit the official website and start their application process today. This is a unique opportunity to secure a PKR 15 lakh loan and achieve your dream of owning a home.