The Government of Punjab finally launch the ‘Apni Chhat Apna Ghar’ initiative to address the housing needs of low-income families in major cities and small towns across the province. This initiative aims to ensure that poor families have access to affordable housing through easy monthly installments.
How Does the Program Provide Affordable Homes for Deserving Families?
The program plans to construct 100,000 houses across six cities in Punjab: Lahore, Rawalpindi, Faisalabad, Sialkot, Multan, and Sargodha. These houses will be offered at subsidized rates to financially struggling families. The primary goal is to provide these families with comfortable and affordable housing options near urban centers, making it easier for them to access amenities and opportunities.
What are the Eligibility Criteria and Payment Plans for Apni Chhat Apna Ghar?
The program prioritizes families with a monthly income below PKR 50,000, those currently living in rented accommodations, and those below the poverty line. Individuals who already own a home are not eligible.
The applicant must be the head of their family according to NADRA records.
The applicant must be a permanent resident of Punjab, as shown on their CNIC.
The applicant must own a plot of land up to 5 Marlas in urban areas or up to 10 Marlas in rural areas in Punjab, where they plan to build their home, as of the date of their online application.
The applicant should have no criminal record, including serious crimes or activities against the state or society.
The applicant must not owe money to any financial institution or bank.
The applicant must be registered with the National Socio-Economic Registry (NSER) with a household PMT score of 60 or less.
Which Cities are Targeted for the Apni Chhat Apna Ghar Scheme?
The scheme will start in major cities of Punjab, with construction beginning soon. The initial phase focuses on six major cities:
• Lahore
• Rawalpindi
• Faisalabad
• Sialkot
• Multan
• Sargodha
Apni Chhat Apna Ghar Scheme Announcement
How Many Houses Will be Offered Under the Scheme?
The Punjab government will construct around 100,000 affordable homes under this project.
Eligibility Criteria:
1. Low income earning below PKR 50,000
2. No property owned by the applicant
3. Resident of Punjab with an ID card
4. Criteria aligned with the Benazir Income Support Program
Payment Plan:
Financing: 50% to 60% of the total cost can be financed through interest-free bank loans.
Initial Construction: 5,760 houses out of the promised 100,000 units will be constructed in the first phase.
Monthly Installment: The monthly installment starts from PKR 26,000.
Where Will the Houses Be Located?
Rawalpindi: Near FMC Central Park, covering 142 kanals and accommodating 1,728 houses
Sialkot: Near Pasror Road and Sialkot Public School Road, covering 120 kanals and accommodating 1,184 houses
Faisalabad: Near Iqra International Institute, covering 78 kanals and accommodating 960 houses
Sargodha: Near Royal Orchard, covering 59 kanals and accommodating 704 houses
Lahore: Raiwind Road near Bahria Orchard Adjacent Chanar Bagh, covering 120 kanals and accommodating 1,184 houses
How to Apply for Apni Chhat Apna Ghar Scheme?
Chief Minister Maryam Nawaz inaugurated the portal (acag.punjab.gov.pk), where citizens can apply online for the programme. Citizens can call 0800-09100 to seek information about it. Interested candidates can apply here: https://acag.punjab.gov.pk/Layouts/Registration.aspx
How Will the Scheme Impact the Housing Sector?
The Apni Chhat Apna Ghar scheme aims to significantly impact Punjab’s housing sector by bridging the gap between housing demand and affordability. By offering subsidized housing options to low-income families, the initiative can reduce the number of families living in rented accommodations and contribute to a more stable housing market.
Conclusion
The Government of Punjab finally launch the ‘Apni Chhat Apna Ghar’ initiative to address the housing needs of low-income families in major cities and small towns across the province. By providing affordable and accessible housing options, this initiative can improve the living conditions and overall well-being of countless residents across the province.
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sabahat abid
Sabahat Abid is a content creator at Zameen Media, illuminating the real estate landscape with her engaging writing.
