Apni Chhat Apna Ghar Program: مکمل رہائشی سکیم کی تفصیلات
Through its primary “Apni Chhat Apna Ghar Scheme 2025” the Punjab government provides houses to residents in need across the province. The scheme aims to construct a total of 100,000 houses among which the construction of 5,500 houses is currently in the final stages. Through this program the government has allocated PKR. 62 billion to build affordable comfortable residential units for people.
OBJECTIVE OF THE SCHEME
This program “Apni Chhat Apna Ghar Scheme 2025” has been launched to provide homes to the poor and low-income families of Punjab so that they can get rid of rented houses or informal settlements. This will not only solve housing problems but also create employment opportunities. If you want to know how to apply for the Apni Chhat Apna Ghar Program, visit our application guide with step-by-step instructions. You can also check the complete eligibility criteria to ensure you qualify for this housing scheme. For those interested in financing options, our detailed page on interest-free loans explains the loan amount, repayment terms, and required documents.
Scheme models
Apni Chhat Apna Ghar Scheme 2025
Model 1: Government-supervised construction
“Apni Chhat Apna Ghar Scheme 2025” Under this model, the government itself will build 20,000 houses. These houses will be provided with basic amenities and their prices will be as per the rates set by the government.
Model 2: 20% allocated plots in private residential projects
“Apni Chhat Apna Ghar Scheme 2025” In this model, 20% or more plots in private housing projects will be allocated to low-income families. These projects will be approved under the government and will provide loans on easy terms.
Model 3: Construction through interest-free loans
Homeowners who possess plots of 5 marla or less will gain access to interest-free loans which do not exceed Rs 1.5 million. The borrowing period totals seven years as owners pay Rs 14,000 per month for their interest-free loan. The lending process will be managed by PHATA to offer these loans.
Eligibility Criteria
- The applicant should be a permanent resident of Punjab.
- The applicant should have a plot of up to 5 marla in urban areas or a plot of up to 10 marla in rural areas.
- The applicant should have a National Identity Card (CNIC).
- The applicant should not have any criminal record.
- The applicant should not be a defaulter in a loan from any financial institution.
- The applicant should have a PMT score of 60 or less.
Application Procedure
Online Application:
- Applicants can apply online by visiting acag.punjab.gov.pk.
- Documents required for application include CNIC, proof of land ownership, and proof of income.
Offline Application:
- If a person cannot apply online, they can apply offline by visiting the registration desk in their District Commissioner’s office.
- It is necessary to bring the necessary documents with you for the application.
Current progress of the scheme
- So far, more than 9,000 people have been given interest-free loans worth over Rs. 8.5 billion.
- More than 5,500 houses are nearing completion.
- More than 400,000 applications have been received.
- 4,841 houses are under construction
Important Points
- Loans will be given to applicants on full merit, with no room for recommendation or influence.
- The government will provide full guidance and support during the construction of houses.
- The housing scheme or Apni Chhat Apna Ghar Scheme 2025 offers residents basic amenities consisting of water supply together with electricity service and natural gas delivery.
Conclusion
With “Apni Chhat Apna Ghar Scheme 2025” as its name the Punjab government establishes an important platform to tackle housing problems through public welfare initiatives. The scheme accomplishes two goals by resolving shelter needs and simultaneously generating economic expansion and employment opportunities. The program functions as a guiding light for millions of families who have resided in temporary accommodations for numerous years. Through its interest-free loan services and transparent conditions this program has become a major step in delivering secure housing with dignity to the citizens.
