The Apni Chhat Apna Ghar Scheme is a landmark initiative by the Government of Punjab aimed at providing affordable housing to low-income families across the province. This program underscores the government’s commitment to ensuring every citizen has access to safe and secure housing.
اپنا چھت اپنا گھر سکیم حکومت پنجاب کی جانب سے ایک تاریخی اقدام ہے جس کا مقصد صوبے بھر میں کم آمدنی والے خاندانوں کو سستی رہائش فراہم کرنا ہے۔ یہ پروگرام ہر شہری کی محفوظ اور محفوظ رہائش تک رسائی کو یقینی بنانے کے لیے حکومت کے عزم کی نشاندہی کرتا ہے۔
Overview of the Apni Chhat Apna Ghar Scheme
Launched under the leadership of Chief Minister Maryam Nawaz Sharif, the Apni Chhat Apna Ghar Scheme envisions the construction of 100,000 affordable houses and apartments across Punjab. The initiative is specifically designed to help low-income families, enabling them to shift from rental accommodations to owning their homes.
Objectives of the Scheme
The Apni Chhat Apna Ghar Scheme is designed to achieve the following objectives:
- Providing Affordable Housing: Construction of 100,000 houses over the next four and a half years to reduce the housing shortage.
- Empowering Low-Income Families: Facilitating homeownership for economically disadvantaged individuals and families.
- Enhancing Living Standards: Improving the quality of life by offering secure and dignified living spaces to residents.
Eligibility Criteria
To be eligible for the Apni Chhat Apna Ghar Scheme, applicants must meet the following requirements:
- Residency Requirement: Applicants must be permanent residents of Punjab, as verified by their Computerized National Identity Card (CNIC).
- Land Ownership: Applicants should own up to 5 marlas of land in urban areas or up to 10 marlas in rural areas within Punjab, designated for house construction.
Financial Assistance and Loan Details
The scheme provides interest-free loans to eligible applicants, ensuring financial accessibility for home construction:
- Loan Amount: Up to PKR 1.5 million for house construction.
- Repayment Terms:
- A three-month grace period.
- Monthly installments of PKR 14,000 over a period of nine years.
Application Process
Individuals interested in applying for the Apni Chhat Apna Ghar Scheme can follow these simple steps:
- Online Registration: Visit the official website at acag.punjab.gov.pk and access the application portal.
- Form Submission: Fill out the application form with accurate personal and property details.
- Document Upload: Submit required documents, including CNIC, land ownership proof, and income verification.
- Application Review: Applications will be evaluated based on the eligibility criteria, and successful applicants will be notified.
Implementation Strategy
The Punjab Housing & Town Planning Agency is responsible for implementing the Apni Chhat Apna Ghar Scheme, under the oversight of the Housing, Urban Development, and Public Health Engineering Department (HUD&PHED). The scheme is being executed using three distinct models to ensure efficient and timely delivery of housing units.
پنجاب ہاؤسنگ اینڈ ٹاؤن پلاننگ ایجنسی ہاؤسنگ، اربن ڈویلپمنٹ، اور پبلک ہیلتھ انجینئرنگ ڈیپارٹمنٹ (HUD&PHED) کی نگرانی میں، اپنا چھٹ اپنا گھر اسکیم کو نافذ کرنے کی ذمہ دار ہے۔ ہاؤسنگ یونٹس کی موثر اور بروقت فراہمی کو یقینی بنانے کے لیے اس سکیم کو تین الگ الگ ماڈلز کا استعمال کرتے ہوئے عمل میں لایا جا رہا ہے۔
Progress and Achievements
As of January 2025, the Punjab government has allocated Rs. 62 billion for the Apni Chhat Apna Ghar program, with a target of disbursing loans to 40,000 beneficiaries by May 2025.
Additionally, over 9,000 individuals have already received interest-free loans totaling Rs. 8.5 billion, enabling them to begin construction on their homes.
Conclusion
The Apni Chhat Apna Ghar Scheme is a groundbreaking initiative that aims to address Punjab’s housing crisis by providing financial assistance and homeownership opportunities to low-income families. This scheme is not only enhancing living standards but also contributing to the socio-economic development of the province.
For further details and to apply, visit the official website: acag.punjab.gov.pk.