The Punjab government, led by Chief Minister Maryam Nawaz Sharif, has launched the “Apni Chhat, Apna Ghar” program to help low-income families in Punjab own homes. The initiative provides interest-free loans for housing construction and has already disbursed loans to over 9,000 individuals. With a strong focus on merit-based distribution and transparency, this program aims to address homelessness and improve the quality of life for citizens. Over Rs8.5 billion in loans have been distributed, with thousands of houses nearing completion.
| Key Features | Details |
|---|---|
| Loan Amount | Up to Rs1.5 million |
| Repayment Duration | 9 years (Rs14,000/month) |
| Applications Received | Over 400,000 |
| Loans Disbursed | 9,000+ |
Scheme Objectives
The primary goal of the “Apni Chhat, Apna Ghar” scheme is to ensure every family in Punjab has access to affordable housing. Maryam Nawaz expressed her desire to eliminate homelessness across the province, emphasizing that having a roof over one’s head is a basic right. The government aims to build 100,000 houses in the first year and 500,000 homes in five years.
First Phase Achievements
In the first phase, 5,000 loans were provided, leading to the near completion of more than 4,200 houses. This success has encouraged economic growth and employment in the construction industry. The second phase is currently underway, with 3,000 loans issued for additional homes.
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Merit-Based Loan Distribution
Maryam Nawaz stressed that the scheme is based on transparency and merit, with no room for favoritism or recommendations. Applications are verified by three independent microfinance institutions, ensuring fairness in the process. This has helped establish trust among the beneficiaries.
How to Apply for the Apni Chhat, Apna Ghar Scheme Phase 2
To apply for the second phase of the Apni Chhat, Apna Ghar scheme, follow these steps:
- Visit the Official Portal: Go to the official website at acag.punjab.gov.pk.
- Create an Account: Register yourself by providing your CNIC, mobile number, and other required details.
- Submit Documents: Upload necessary documents like proof of income, residence, and family details.
- Verification: Applications will be verified by independent microfinance institutions before approval.
For assistance, you can call the helpline at 0800-09100.
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User-Friendly Application System
The Punjab government has introduced an online portal and helpline to make the application process easy and accessible for everyone. Applicants can visit the web portal or call the helpline for guidance.
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Environmental Sustainability Efforts
The scheme aligns with the government’s broader focus on sustainability. Through clean energy initiatives like solar panel installations and energy-efficient housing designs, the program not only provides homes but also contributes to reducing environmental impact.
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FAQs
- Who can apply for the scheme?
Anyone residing in Punjab with a low-income status can apply for the “Apni Chhat, Apna Ghar” program. - What is the maximum loan amount?
The maximum loan amount available under this scheme is Rs1.5 million. - How can I apply for the scheme?
Applications can be submitted online via the official web portal or by calling the helpline for assistance. - Is the loan completely interest-free?
Yes, the loans provided under this scheme are entirely interest-free.