Apni Chat Apna Ghar Scheme 2024
The newly-applied Apni Chat Apna Ghar Scheme by Punjab State was implemented back in 2024 focusing on catering to the needs of low and middle-income families by offering affordable homes. This scheme mainly concentrates on managing the urgent requirements for housing by providing easy finance options, government subsidies, and flexible repayment plans. The minimum down payment, and long-term installment plans offer home ownership for the residents of Punjab under the efforts of this initiative.
Apni Chat Apna Ghar Scheme Registration online & Eligibility Criteria
Under the Apni Chat Apna Ghar Scheme by the Punjab government, interest-free loans are being granted to low and middle-income householders for constructing houses. Under the scheme, the eligible applicant can acquire a loan up to PKR 1.5 million, which he can repay in easy seven-year installments. Find relevant information about registration and eligibility criteria below.
Eligibility Criteria:
Permanent Residence: Those permanent residents of Punjab holding a CNIC shall be eligible to apply under the scheme.
Possession of Property: The applicant should possess a small plot of land, which may be in cities of 5 Marla or 10 Marla in rural areas, upon which he intends to construct his house.
Income Level: Applicants shall have to be registered in NSER with PMT Index not exceeding 60.
Registration Process:
Online Registration: Candidates can register on the official website of Apna Ghar Apni Chat by filling in the fundamental personal details such as CNIC, proof of income, and documents related to property.
Verification: The details are verified after subscription and the status can be traced in the portal.
Loan Details:
The loan is released installment-wise as and when the building on the house goes on – maximum loan amount is PKR 1.5 million.
The loan offers a flexible repayment plan, even settling for the individual to pay as low as PKR 14,000 a month.
How to Apply for the CM Housing Program or Apni Chat Apna Ghar Scheme?
A step to apply for CM Housing Scheme or the Apni Chat Apna Ghar programme is as under:
1. Online Registration:
Official Portal: First of all, proceed by visiting the official website of the Apni Chat Apna Ghar Scheme, being at acag.punjab.gov.pk or the specific registration page.
Register: Register yourself by providing general details: CNIC, contact number, and email. You have to provide a password because you will need the same to trace your application later (Apni Chat Apna Ghar Scheme)
2. Fill the Form with Mandatory Information:
Personal Information: Provide information that includes your name, CNIC, and address.
Property Details: Furnish your information regarding the property (up to 5 marla in cities and 10 marla in towns) on which you will be building your house.
Income Details: Attach income proofs such as salary slips or bank statement accompanied by CNIC and ownership documents (Apni Chat Apna Ghar Scheme)
3. Verification Process:
The details are verified against NADRA and NSER. The PMT score should be below 60.
Application Monitoring: After submitting an application, you can view the status of your application within minutes with the help of CNIC along with the password issued to you based on your application, filled through the website Apni Chat Apna Ghar.
4. Final Submission:
All the information required should be verified before submitting the application. More so, most of the submitted documents should be correct to avoid rejections.
After submission, the application is checked. It usually takes 2-4 weeks(INC Pak).
Which Cities are Targeted for the Apni Chat Apna Ghar Scheme?
The target areas of Apni Chhat Apna Ghar scheme include a number of cities and districts in Punjab. It targets providing housing loans to the people at affordable rates in both urban and rural areas. Loans and housing units are issued with district-wise quotes. Since many applicants are eligible in different districts, it ensures that these applicants receive the benefits. Major areas targeted include:
Main Districts
Conclusion:
Apni Chat Apna Ghar Scheme by Punjab State was implemented back in 2024 focusing on catering to the needs of low and middle-income families by offering affordable homes. Candidates can register on the official website of Apni Chat Apna Ghar Scheme by filling in the fundamental personal details such as CNIC, proof of income, and documents related to property. The minimum down payment, and long-term installment plans offer home ownership for the residents of Punjab under the efforts of this initiative.
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