Do you want to build your own house but the rising inflation prevents you from fulfilling your dream? the Punjab government has resolved your problem by launching the Apni Chhat Apna Ghar scheme. This scheme aims to offer interest-free home loans to low-income families in Punjab. You can apply online or offline, the scheme provides affordable houses with no hidden charges the Punjab government houses loan is available with a seven-year Repayment plan making house ownership accessible for more details and application steps read low:

What is the Apni Chhat Apna Ghar Scheme?

The Apni Chhat Apna Ghar Scheme is part of the CM Housing Scheme Punjab, which was introduced to assist households earning less than PKR 60,000 per month. This government housing scheme offers easy payment options to homeowners  Each house costs PKR 1.5 million and is available to beneficiaries at a 60% government discount.

Key features of the Apni Chhat, Apna Ghar Scheme:

here are the key features of the Apna Ghar Apne scheme

1. 7-Year Loan with Grace Period;

• This scheme offers easy monthly installments of 7 years. 
• The monthly installments are limited to Rs. 14,000.
• There is a three-month grace period in which no loan repayments are required, allowing families to adjust financially.

2. No interest and hidden charges:

• the scheme provides interest-free loans to qualified families, making their house ownership more accessible.
• Punjab Chief Minister Maryam Nawaz Sharif has directed authorities to arrange low down payments and cheap monthly installments of 14000.

3. Affordable Homes with 60% Subsidy:

• Each house is worth Rs. 1.5 million
• Loan Amount: Up to 15 lakh rupees
• The initiative provides a 60% government subsidy on housing costs, reducing the financial burden on beneficiaries as they pay only 40%.

4. Required Documents:

•  CNIC Copy: Photocopy of your Computerized National Identification Card
•  Proof of Income: Salary slip, Tax slip, or any other document that shows your income.
•  Domicile Certificate: Domicile certificate is required to prove your residence in Punjab, Pakistan. 
•  Employment Certificate: You must have a Job Certificate from the Office to validate your job status.

5. Wide coverage and implementation:

• Apna Ghar Apni Chhat Scheme will build 50 thousand apartments for the initial fee and the vision of this scheme is to make one lakh apartments across Punjab.
• The initial objective of the scheme is to build 3,000 apartments in each district. 
• In the initial fee, Multan, Faisalabad, Sialkot, and Sargodha, Under the Apna Ghar Apna Roof Scheme, My Partons will have all the basic amenities of life such as electricity, water, and sanitation. Prototype houses will be built in the first few weeks to check the design and functionality. and Rawalpindi will be given more importance.

6. Accommodation and benefits:

• The houses built under the Apna Ghar Apna Chhat Scheme will have all the basic amenities of life such as electricity, water, and sanitation. 
• Prototype houses will be built in the first six weeks to check the design and functionality.

7. Easy Online and Offline Applications: 

Apna Ghar Apna Chhat Schem provides both online and offline application opportunities for your convenience

• Those who can avail of the Net facility can register their application through the official website portal https://acag.punjab.gov.pk/
• People who are unable to access the internet can register their application through a designated phone number 0800-09100 and can get an interest-free loan for house construction.

What are The Eligibility Criteria for the Apni Chhat Apna Ghar scheme?

Only residents of Punjab who meet the following criteria will receive interest-free loans through the government:

1. The applicant is ahead of his/her beta (nucleus) family as per the NADRA record.
2. Applicant is a permanent resident of Punjab as per his/her CNIC.
3. Applicant is the sole owner and possessor of land measuring 5 Marla or less in urban areas and land up to 10 Marla in rural areas anywhere in Punjab, on the date of online application submission, wherein he/she intends to build his/her house.
4. Applicant should not have a criminal record such as being convicted for anti-state, anti-social activities heinous crimes, etc.
5. Applicant should not be a loan defaulter of any financial institution/ bank etc
6. An applicant is registered with the National Socio-Economic Registry (NSER) in a household having a PMT score of 60 or less.

Online Application Process for Apni Chhat, Apna Ghar Scheme:

1. Visit the official Apna Ghar Scheme Portal.

To begin your application, visit the official Acag.punjab.gov.pk Apna Ghar scheme website. This portal is highly user-friendly and contains all the information you need.

2. Register on the portal.

Now click on the register button and enter your personal information like your name CNIC number, residential address, and personal address. Provide all information correctly so that you avoid any complications in your application process.

After registering, you will receive a certificate form, where you need to certify each category for further eligibility.

3. Complete the application form.

After registration, you have to fill up the online application form completely. This form will ask questions about your family work and the type of home you require. Answer these questions with detail and actively so that you can qualify for this plan.

4. Submit your application.

As soon as you fill out the form, double-check all the information to confirm that everything is correct. After that, submit your application form. You will receive a confirmation message via SMS and email which will indicate that your application process has been successfully submitted

5. Track the status of your application.

You can visit this site at any time to check the progress of your application. This will keep you side-up updated with the status of your application and provide peace of mind

Tips for Successful Application

1. Be Honest: Include correct facts throughout your application. Any mistakes might result in disqualification.
2. Demonstrate need: Clearly describe your existing living circumstances and why you want assistance.
3. Meet deadlines: Submit your application on time to be part of the scheme.
4. Stay informed: Keep checking their official website frequently to be aware of any updates changes or announcements in the plan.
5. Seek Help If Needed: If you have any query related to this application procedure, please call the helpline number or visit the government office for assistance.

What Will Happen After Approval?

• As soon as your loan is accepted, you will receive an official message about your loan information.
• After which you will have to select a house in your district from one of the available options, and the loan amount will be sent directly to the building business or housing authority. 
• You just have to make monthly regular payments agreed-upon timetable.

FINAL THOUGHTS:

In conclusion, the CM Apni Chat, Apna Ghar Scheme is a significant opportunity for low-income families in Punjab to own a home without the burden of interest. With both online and offline application methods available, eligible families earning less than 60,000 Rs can easily apply and secure their future. Apply today via the Acag.punjab.gov.pk official website and take the first step towards securing a safe and affordable home for your family.

FAQS:

How many houses will be built under the apni chhat apna ghar scheme? 

The Punjab government has planned to create 100,000 houses around the province of Punjab. In the initial phase of this scheme, 3 thousand houses of Punjab will be constructed in each district of Punjab

What will be the financial value of each house built under this scheme?

The price of the apartment will be 1.5 million, the government will pay 60% of this amount and the remaining 40% has to be paid by the buyer. which has to be given in seven years,

Who can apply for the apni chhat apna ghar scheme?

This program will give priority to those families whose income is less than 50 thousand and who are living in rented houses. those who already have their own house are not eligible for this program.

•  Applicant must have CNIC,
•  Applicant must be a permanent resident of Punjab
•  Applicant must have no criminal record
•  Applicant has no plot from Govt. 
• The applicant has a 5-marla plot in an urban area or a 10-marla plot in a rural area where he can construct his house under the project.

What cities should be targeted in the apna ghar apni chhat scheme?

In its initial phase, this scheme will target six major cities of Punjab whose list number is below:

1.  Lahore
2.  Rawalpindi 
3. Faisalabad 
4. Sialkot
5.  Multan
6.  Sargodha

What is a payment plan for the Apna Ghar apni Chhat scheme?

The government will pay 60% of the cost of the construction of the house, while the remaining 40% will be paid by the buyer in 7 years.

Where will the be house located in Apna Ghar Apne Chhat scheme?

• Rawalpindi: Near FMC Central Park, covering 142 canals and accommodating 1,728 houses
• Sialkot: Near Pasror Road and Sialkot Public School Road, covering 120 canals and accommodating 1,184 houses
• Faisalabad: Near Iqra International Institute, covering 78 canals and accommodating 960 houses
• Sargodha: Near Royal Orchard, covering 59 canals and accommodating 704 houses
• Lahore: Raiwind Road near Bahria Orchard Adjacent to Chanar Bagh, covering 120 canals and accommodating 1,184 houses

How to apply for the Apna Ghar apni Chhat scheme?

Chief Minister Maryam Nawaz has inaugurated the online portal of the scheme, so those who have the facility of the online net can apply through this portal https://acag.punjab.gov.pk/, and those who do not have the opportunity of the internet can contact this  number 0800-09100

What should I do if I encounter issues during registration?

If you face any issues, you can contact the helpline at 042-99213419, 042-99213428, or 0800-09100 or email info@phata.punjab.gov.pk.