The Punjab government, led by Chief Minister Maryam Nawaz Sharif, has announced an ambitious housing initiative aimed at providing affordable homes to citizens across Punjab. Under the “Apni Chhat, Apna Ghar” programme, the target is to provide 40,000 interest-free loans by May 2025. With a budget of Rs62 billion, this initiative focuses on supporting low-income families by offering financial assistance for home construction and ownership.
The Chief Minister has also proposed increasing the loan amount from Rs1.5 million to Rs2 million to accommodate rising costs and better support applicants. Let’s explore the details of this transformative programme.
| Key Points | Details |
| Programme Budget | Rs62 billion |
| Target Loan Distribution | 40,000 loans by May 2025 |
| Current Loan Limit | Rs1.5 million (proposal for Rs2M) |
| Helpline for Applicants | 0800-09100 |
Table of Content
Programme Goals and Funding
The “Apni Chhat, Apna Ghar” programme aims to provide low-income families with access to affordable housing through interest-free loans. Maryam Nawaz approved a Rs62 billion budget to ensure the programme’s smooth operation.
This funding supports not only financial aid but also collaborations with development authorities to provide ready-made houses for the underprivileged. The Chief Minister has stressed the need for rapid implementation to meet the housing crisis in Punjab.
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Achievements So Far
The programme has made notable progress:
- 5,000 loans disbursed to eligible citizens.
- 4,200 homes are near completion across Punjab.
- Collaboration with RUDA and Housing & Urban Development for ready-made homes.
These achievements highlight the programme’s success in addressing housing needs and providing relief to thousands of families.
Eligibility Criteria for Applicants
To qualify for this scheme, applicants must meet these requirements:
- Must be a resident of Punjab with a valid CNIC.
- Should own a land parcel of up to 5 marlas (urban) or 10 marlas (rural).
- The applicant must have no prior loan defaults or criminal record.
- Must provide proof of ownership for the intended housing plot.
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Application Process
The application process for the programme is simple and user-friendly:
- Online Registration: Visit the official website of the programme and fill out the application form.
- Document Submission: Submit required documents, including CNIC and proof of land ownership.
- Verification: Authorities will verify all submitted details to confirm eligibility.
- Loan Approval: Approved applicants will receive the loan in installments to start construction.
For more information or assistance, contact the helpline at 0800-09100.
Benefits of the Programme
This housing scheme offers several benefits:
- Interest-Free Loans: Financial aid without additional costs.
- Flexible Repayments: Payable in monthly installments over seven to nine years.
- Ready-Made Houses: Options for pre-constructed homes for the underprivileged.
- Economic Relief: Helps families transition from rental housing to ownership.
Future Plans and Proposals
The Punjab government is determined to meet its target of 40,000 loans by May 2025. There is also a proposal to increase the loan amount to Rs2 million, enabling better financial support for applicants amid rising costs.
The Chief Minister has directed authorities to streamline the process, ensuring timely disbursement and transparency.
Conclusion
The “Apni Chhat, Apna Ghar” programme is a transformative initiative that promises affordable housing for low-income families. With its robust financial aid and supportive policies, the programme is a step towards achieving housing security for every citizen in Punjab.
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FAQs
What is the loan repayment period under the programme?
The repayment period is between seven and nine years with manageable monthly installments.
Can applicants with no land apply for the scheme?
No, only individuals with land ownership up to 5 marlas (urban) or 10 marlas (rural) are eligible.
How can I check my application status?
Applicants can check their status by logging into the official portal or contacting the helpline at 0800-09100.
Is there a fee to apply for the loan?
No, the application process is completely free of cost, and no hidden charges are involved.