Punjab Chief Minister Maryam Nawaz has launched a housing scheme aimed at providing affordable homes for the people of Punjab. The “Apni Chhat Apna Ghar” scheme is an important step forward in addressing the housing needs of the population.
This initiative is specifically designed to offer interest-free loans of up to Rs 1.5 million, enabling individuals to construct homes on small plots in both urban and rural areas.
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The “Apni Chhat Apna Ghar” Scheme
The core feature of the “Apni Chhat Apna Ghar” scheme is its interest-free loan offering. Eligible citizens can apply for loans of up to Rs 1.5 million, which can be used for the construction of homes on plots up to five marlas in urban areas and ten marlas in rural regions.
The loans are repayable over a period of seven years, with monthly installments set at a highly affordable Rs 14,000. Additionally, the scheme includes a three-month grace period during which no payments are required.
Eligibility Criteria and Application Process
The eligibility criteria for the “Apni Chhat Apna Ghar” scheme are designed to be inclusive, ensuring that a broad section of Punjab’s population can benefit from this initiative. To apply, citizens must own a plot of land within the specified size limits.
The application process has been started through the Punjab Information Technology Board (PITB) portal, where applicants can easily submit their details online.
To apply, visit the official website at acag.punjab.gov.pk. The online system is designed to facilitate easy access to the program, making it simple for individuals across the province to take the first step toward homeownership.
Key Features of the Scheme
The most striking feature of this scheme is the availability of interest-free loans. This financial relief is crucial for families who might otherwise struggle to secure traditional financing options.
The scheme is designed to benefit both urban and rural residents, with provisions for the construction of homes on five marla plots in urban areas and ten marla plots in rural areas. This inclusivity ensures that the scheme addresses the housing needs of a diverse population.
The scheme offers a repayment period of seven years, with an affordable monthly installment plan. The addition of a three-month grace period is a thoughtful inclusion, providing applicants with a buffer period to initiate their housing projects without immediate financial pressure.
The online application portal is a significant advancement in making the scheme accessible to all. With a straightforward process, citizens can apply from the comfort of their homes, reducing the need for time-consuming visits to government offices.
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How to Apply for the “Apni Chhat Apna Ghar” Scheme
The application process for the “Apni Chhat Apna Ghar” scheme is designed to be as simple and accessible as possible. Here’s a step-by-step guide to help you through the process:
- Visit the Official Portal: Head over to acag.punjab.gov.pk to access the official application portal.
- Register an Account: If you’re a new user, you’ll need to create an account by providing some basic information such as your name, CNIC number, and contact details.
- Complete the Application Form: Once registered, fill out the application form with details about your plot of land and your construction plans. Make sure to double-check all the information to avoid any errors.
- Submit the Application: After completing the form, submit your application through the portal. You’ll receive a confirmation email with your application number, which you can use to track the status of your application.
How to Get Further Information
For those who need additional information or assistance, the Punjab government has set up a dedicated helpline. You can call 0800-09100 to get comprehensive details about the “Apni Chhat Apna Ghar” scheme, including eligibility requirements, loan terms, and any other queries you may have. This helpline is staffed with knowledgeable representatives who can guide you through the process and answer any questions you might have.
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