Islamabad, Jan 17: The “Apni Chhat Apna Ghar” initiative, launched by the Chief Minister of Punjab, is a groundbreaking housing program aimed at providing 100,000 affordable homes to eligible residents across the province. Designed to uplift low-income families, the program seeks to address housing shortages, improve living conditions, and promote socio-economic growth within four and a half years.
Key Features of the Program
The initiative will be executed through three distinct models, ensuring diverse opportunities for homeownership.
1. State Land Development Model
- Objective: Build 10,000 housing units on government-owned land.
- Execution: Developers, in partnership with the Punjab Housing and Town Planning Agency (PHATA), will manage infrastructure and construction. PHATA will oversee adherence to quality standards.
- Financial Plan: Developers cover construction costs; the government sets housing prices and payment plans.
2. Affordable Private Housing Schemes
- Objective: Collaborate with private developers to construct 20,000 low-cost homes within approved private housing schemes.
- Process: Developers must allocate 20% of residential space for low-income families, complying with APHS Rules 2020. A streamlined, one-window approval system is in place.
- Payments: Allottees contribute a down payment into an escrow account, followed by installments over five years, with PHATA supervising construction.
3. Interest-Free Loans for Home Construction
- Objective: Enable individuals to construct homes on plots they already own.
- Eligibility: Residents of Punjab with plots up to 5 Marlas in urban or 10 Marlas in rural areas.
- Loan Details: Up to PKR 1.5 million, repayable over seven years in easy installments, with operational costs covered by the government.
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Eligibility Criteria
Applicants must:
- Be permanent residents of Punjab, as indicated on their CNIC.
- Own a plot of land (up to 5 Marlas in urban or 10 Marlas in rural areas).
- Have a household PMT score of 60 or less, as per the NSER database.
- Be free of criminal records or outstanding debts.
How to Apply
The program’s dedicated online portal, acag.punjab.gov.pk, offers a simple application process.
- Register Online: Fill in personal details, including CNIC, mobile number, and address.
- Certification: Complete the eligibility certification form.
- Application Form: Submit additional details, attach required documents, and finalize your application.
Expected Impact
- Improved Housing: Better living conditions for low-income families.
- Economic Growth: Creation of 500,000 jobs and a boost to the construction industry.
- Social Benefits: Enhanced safety, reduced overcrowding, and stronger community ties.
This initiative represents a transformative step toward affordable housing and economic upliftment in Punjab.
FAQs
Who is eligible for CM Punjab Apna Ghar scheme?
How to register in apni chat apna ghar scheme?
- Visit the ACAG Website. Go to the ACAG website, and the registration form will appear on the screen.
- Enter Your Personal Information.
- Provide Additional Details.
- Fill in Location Details.
- Create a Password.
- Submit Your Application.
- Confirmation via SMS.
