Apni Chat Apna Ghar Scheme: Home Loans by CM Punjab Maryam Nawaz

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🏠 Having one’s own home is considered a great blessing, symbolizing dreams, future, and security. Recognizing the difficulty middle-class citizens face in building a home with hard-earned money, Punjab Chief Minister Maryam Nawaz launched the Apni Chhat Apna Ghar housing scheme.

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🎯 اہم نکات

پراجیکٹ کا وژن اور مقصد

اس سکیم کا مقصد کم آمدنی والے لوگوں کو چھت فراہم کرنا ہے۔ اس کے لیے وزیر اعلیٰ مریم نواز نے ماہانہ قسط 14,000 روپے یقینی بنائی ہے۔

اہلیت کا معیار

  • درخواست گزار کا پنجاب کا مستقل رہائشی ہونا ضروری ہے۔
  • شہری علاقوں میں 1 سے 5 مرلہ پلاٹ اور دیہی علاقوں میں 1 سے 10 مرلہ پلاٹ کا مالک ہونا ضروری ہے۔
  • درخواست گزار کا فنانشل ڈیفالٹر نہیں ہونا چاہیے۔

سود سے پاک قرضے اور سبسڈی

  • یہ قرضے سود سے پاک (Interest-Free) ہیں۔
  • حکومت کی طرف سے سبسڈی: 60 فیصد۔
  • فائدہ اٹھانے والے کی طرف سے ڈاون پیمنٹ: 40 فیصد۔
  • قسطوں کی ادائیگی 3 ماہ بعد شروع ہوگی۔

The scheme aims to provide easy, affordable, and interest-free loans for 100,000 homes across Punjab.

Project Overview and Goal

Chief Minister Maryam Nawaz believes every citizen has the right to build a beautiful and secure home. The scheme offers affordable and interest-free loans, initially targeting citizens in Multan, Faisalabad, Sialkot, Sargodha, and Rawalpindi.

The goal is to complete 1 lakh homes across major cities using three execution models. To ease the burden on middle-class families, the monthly installment is set at approximately 14,000 PKR, which is comparable to the normal rent of a small house.

  • Land Eligibility (Rural): 1 to 10 Marla
  • Land Eligibility (Urban): 1 to 5 Marla
  • Installment Amount: 14,000 PKR (Highly affordable)

Project’s Vision and Design

The core purpose is to provide a roof to low-income individuals with affordable installments. Designs for the homes are prioritized for longevity, and CM Punjab ordered that initial home designs be ready in less than six weeks for beneficiaries’ satisfaction.

The Chief Minister assured that the program is designed for all citizens—laborers, teachers, and small business owners—affirming that every citizen deserves a safe and comfortable home. Through collaboration between developers, financial institutions, and the hard-working team, the government is committed to making home ownership accessible via different models:

  • Providing state land for large-city housing.
  • Subsidizing housing units in private housing schemes.
  • Providing interest-free loans to plot owners (up to 5 marla in urban areas and 10 marla in rural areas).

She encouraged citizens to join this journey of change to build not just homes, but a society where dreams come true.

Expected Outcomes

The scheme is expected to have several major positive impacts:

  • Improved Living Standards: Middle-class families will gain a better living place.
  • Reduced Overcrowding: The goal to provide homes will reduce overcrowding that results from families adjusting in available small spaces.
  • Access to Basic Needs: Beneficiaries moving from slum areas will gain access to basic human needs like drinking water, electricity, and sanitation.
  • Increased Employment: The construction of 100,000 houses will significantly increase job availability for labor.
  • Positive Social Impact: The program will cast a positive impact on deserving families by providing a better life.

Project Details Summary

  • Project Name: Apni Chat Apna Ghar Scheme
  • Launched By: CM Punjab Maryam Nawaz
  • Objective: To provide own shelter
  • Goal: Loan for 100,000 houses
  • Installment Amount: 26,000 Pakistani Rupees (Note: Monthly payment cited as 14,000 elsewhere, this figure may refer to a different payment structure.)
  • Government Subsidy: 60% provided by Government
  • Down Payment (Beneficiary): 40%
  • Installment Period: 5 years

Execution Models

The scheme employs three models to achieve its target of 100,000 units.

Execution Model-1 (Tentative 10,000 Housing Units)

This model focuses on facilitating construction and equity-based or state land sharing between the Punjab Housing and Town Planning Agency (PHATA) and developers.

  • PHATA will provide infrastructure and construction structure to developers.
  • Developers must strictly follow the design provided by PHATA.
  • The government will not hold any subsidy for infrastructure on the construction of state land.
  • The installment amount will be decided by the government according to the house/unit size and design.
  • PHATA will be responsible for trunk infrastructure.

Execution Model-2 (Tentative 20,000 Housing Units)

This model involves government work on houses in residential areas, with developers responsible for securing approval from PHATA under the Affordable Private Housing Scheme (APHS) Rules 2020.

  • The government will facilitate low-income and middle-class families.
  • Streamlined approval will be provided through a one-window mechanism.
  • House size/design, installments, and time period will be decided by PHATA.
  • All transactions will be executed through an Escrow account.
  • PHATA will supervise all construction to ensure quality.

Execution Model-3 (Tentative 70,000 loan for Housing Units)

This is the model providing eligible citizens with interest-free loans and a government subsidy.

  • Eligible citizens get an interest-free loan with a government subsidy.
  • Eligibility: 1 to 5 marla plot in cities; 1 to 10 marla plot in rural areas.
  • Loan Tenure: 5 to 7 years (installment amount depends on repayment time).
  • Application: Via ACAG’s website: www.acag.punjab.gov.pk
  • Operational cost and tax will be completely covered by the government.

Initial Verification Process

PHATA is responsible for verification at the end of the registration process through the following methods:

  • Family designation via NADRA data.
  • Checking the PMT score (must be under 60).
  • Land ownership verification through PLRA, Cooperatives Department, Development Authorities, etc.

Benefits Of Apni Chat Apna Ghar Scheme

  • Interest-Free Loans: Offers loans without high interest rates, eliminating a major barrier for the middle class. The government pays 60% of the loan.
  • Affordability: Installments start after 3 months. The monthly payment of 14,000 PKR is extremely affordable, often less than rent or a car payment.
  • Easy Registration Process: Application can be done online, via a toll-free number, or by visiting a nearest registration center.
  • Permanent Residence: Provides permanent residence to homeless and poor people who own land but lack financial resources for construction.

Apni Chat Apna Ghar Scheme Subsidy

The Punjab government covers the majority of the cost:

  • Government subsidy: 60% of the total cost.
  • Beneficiary payment (Down Payment): 40%, payable in affordable installments over 5 years.

Eligibility Criteria

Meeting the criteria increases the chances of loan qualification:

  • Applicant must be designated as the head of the family.
  • Must be a permanent resident of Punjab province (as per NADRA record).
  • Must own land from 1 to 5 Marla in urban areas or 1 to 10 Marla in rural areas.
  • Must have no crime record or FIR registered.
  • Must not be a financial defaulter.
  • Must be a registered individual of the National Socio-Economic Registry (NSER), with the score less than 60%.

Installment Plan

The plan is designed for low-income families:

  • Beneficiaries pay a 40% down payment over a period of 5 years.
  • Monthly installments are highly affordable (around 14,000 PKR).
  • Installments start after 3 months of the initial loan approval for maximum relief.

How to Apply for Apni Chhat Apna Ghar Scheme?

Required Information And Documents

  • Full name registered in NADRA.
  • CNIC number of applicant and head of the family (Husband/ Father).
  • Contact information (phone number and email).
  • Gender.
  • Address (division, district and city).
  • Property ownership documents.
  • Password (for new users) or existing account details.

Online Registration

Step-by-step application process:

  1. Open the official website of scheme: https://acag.punjab.gov.pk/
  2. Tap on the registration button (top-right corner).
  3. Fill all required information authentically.
  4. Press the registration button.

Toll-Free Number

Registration can be done via the toll-free number 0800-09100 for information and registration assistance.

Physical Availability of Application Forms

Applicants unable to use online resources can visit the nearest registration center to provide details and have the government representative fill the form.

Eligible Districts for Apni Chat Apna Ghar Scheme (List)

Residents of the following districts in Punjab can apply:

  • Rawalpindi
  • Lahore
  • Multan
  • Sargodha
  • Faisalabad
  • Sialkot
  • Attock
  • Bahawalnagar
  • Bahawalpur
  • Bhakkar
  • Chakwal
  • Chiniot
  • Dera Ghazi Khan
  • Gujranwala
  • Gujrat
  • Hafizabad
  • Jhang
  • Jhelum
  • Kasur
  • Khanewal
  • Khushab
  • Layyah
  • Lodhran
  • Mandi Bahauddin
  • Mianwali
  • Muzaffargarh
  • Nankana Sahib
  • Narowal
  • Okara
  • Pakpattan
  • Rahim Yar Khan
  • Rajanpur
  • Sahiwal
  • Sheikhupura
  • Toba Tek Singh
  • Vehari

Conclusion

The Apni Chat Apna Ghar scheme is a golden opportunity for low-income families who own a small piece of land. Launched by Chief Minister Maryam Nawaz to address the critical need for personal homes, this interest-free loan program aims to significantly improve the socio-economic situation in Punjab by helping citizens build their dream homes.