On August 21, Punjab Chief Minister (CM) Maryam Nawaz officially launched the 'Apni Chhat Apna Ghar' scheme to provide affordable housing to the people of Punjab. This scheme is a significant step from the Punjab government. It is a dedication to delivering quality homes to those who need them the most.

Key Features of the Scheme

One of the standout features of the 'Apni Chhat Apna Ghar' scheme is the requirement of an interest-free loan worth PKR 15 lac. This payment plan is designed to help citizens purchase 5 marla plots in urban areas and 10 marla plots in rural areas. The scheme includes a three-month relaxation period to make it even easier for applicants. During this time of 3 months, no payments are required from people to the government. Which helps reduce the financial burden on those who join the program.

Affordability For People

• The 'Apni Chhat Apna Ghar' scheme is designed to make homes affordable for families with lower incomes.
• Each apartment costs Rs. 1.5 million.
• The government provides a 60% subsidy, meaning applicants only need to pay 40% of the total cost.
• Eligible families only pay 40% of the apartment's price.
• The remaining amount is paid through monthly installments.
• Monthly payments range from Rs. 14,000 to Rs. 26,000.
• Payments can be made over five years.
• This plan helps families with limited income achieve homeownership.

District-Wise Quota of Loans

Bhakar Region:

• Bhakar: 283 loans, 4423 housing units
• Khushab: 243 loans
• Layyah: 366 loans
• Mianwali: 307 loans
• Muzaffargarh: 714 loans

Faisalabad Region:

• Chiniot: 313 loans
• Faisalabad: 851 loans
• Jhang: 451 loans
• Sargodha: 520 loans
• Toba Tek Singh: 376 loans

North Zone

Lahore Region:

• Gujranwala: 657 loans, 8003 housing units
• Hafizabad: 302 loans
• Kasur: 484 loans
• Lahore: 1690 loans
• Nankana: 314 loans
• Narowal: 357 loans
• Okara: 518 loans
• Pakpattan: 401 loans
• Sheikhupura: 512 loans
• Sialkot: 570 loans

Rawalpindi Region:

• Attock: 287 loans
• Chakwal: 263 loans
• Gujrat: 466 loans
• Jhelum: 225 loans
• Mandi Bahauddin: 358 loans
• Rawalpindi: 600 loans

South Zone

Bahawalpur Region:

• Bahawalnagar: 454 loans, 5074 housing units
• Bahawalpur: 517 loans
• Rahim Yar Khan: 714 loans

Multan Region:

• DG Khan: 498 loans, 5074 housing units
• Khanewal: 458 loans
• Lodhran: 380 loans
• Multan: 726 loans
• Rajanpur: 368 loans
• Sahiwal: 443 loans
• Vehari: 517 loans

In total, 17,500 loans and an equal number of housing units will be distributed across these cities in Punjab, making homeownership more accessible for many families.

Benefits of this Program

• Affordable Housing Solutions: This project provides homes at a cost accessible to families with modest incomes.
• Homeownership Opportunities: It makes it easier for more people to own their homes.
• Permanent Residences: This program offers secure and stable housing options for families.
• Improves Living Standards: It is a chance to enhance the quality of life by providing better living conditions.
• Reduces Homelessness: Helps decrease the number of people without homes.

DG Housing and Town Planning Agency Saif Anwar Punjab recently visited the One Window Operation Center to inform citizens about the benefits of the Apni Chat Apna Ghar project.

How to Apply

To make the application process simple and accessible, CM Maryam Nawaz launched an online portal (acag.punjab.gov.pk) where citizens can easily apply for the program. For those who need more information, a helpline (0800-09100) has been set up to assist with any queries.

This online system ensures that the process is convenient, allowing more people to benefit from this groundbreaking housing scheme. The 'Apni Chhat Apna Ghar' scheme is more than a housing project. It's a promise of a better, more secure future for the people of Punjab.

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