Apni Chhat, Apna Ghar
Punjab Chief Minister Maryam Nawaz Sharif has taken a groundbreaking step by approving the 3-marla plot scheme under the ‘Apni Chhat, Apna Ghar’ program. This initiative aims to provide interest-free housing loans and affordable plots to deserving individuals across Punjab. Let’s dive into the details of this program, which promises to bring hope and shelter to countless families.
The ‘Apni Chhat, Apna Ghar’ program is Pakistan’s first major interest-free housing scheme. It focuses on empowering low-income families by enabling them to own homes through subsidized loans and government-provided plots. This program not only addresses the housing crisis but also contributes to social and economic stability by uplifting underprivileged communities.
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| Key Features | Details |
| Loan Limit | Up to PKR 1.5 million |
| Repayment | Monthly installments of PKR 14,000 |
| Target Beneficiaries | Low-income families |
| Plot Sizes | 3 to 10 marlas |
The recent approval of the 3-marla plot scheme reflects the Punjab government’s commitment to expanding this initiative to more deserving families.
Key Features of the 3-Marla Plot Scheme
The newly approved scheme focuses on providing 3-marla plots to low-income families. Initially, the program will launch in the Chishtian community, where 666 plots will be distributed. Applicants will receive loans of up to PKR 1.5 million to construct their homes on these plots. A significant highlight of the scheme is its affordability. The interest-free loans can be repaid in monthly installments of PKR 14,000, making homeownership a realistic dream for the underserved. The government will also provide essentials like furniture to the first five homes completed under this scheme, setting an example of support and encouragement
Progress of the ‘Apni Chhat, Apna Ghar’ Program
The program has already made impressive progress since its inception. As of now, the first installment of loans has been disbursed to 927 applicants, helping them kickstart construction. This reflects the government’s commitment to ensuring the timely implementation of the program. Additionally, the Punjab government has been distributing cheques to eligible families since October. During a ceremony attended by PML-N President Nawaz Sharif and CM Maryam Nawaz, it was announced that over 500,000 applications had been received. This overwhelming response highlights the trust and demand for this initiative.
- Loan Details and Housing Options
Under the program, tailored loan packages are offered based on location, ensuring inclusivity for rural, urban, and metropolitan residents:
- Rural Areas: Loans up to PKR 1.5 million for houses up to 10 marlas, repayable in easy monthly installments.
- Urban Areas: Loans for houses up to 5 marlas, with the same repayment structure.
- Major Cities: Construction of four-story flats on government land for the scheme. Flats are allocated via a transparent lottery system and offered on easy payment plans.
The flexibility in loan options ensures that families across all regions can benefit from the program, tailored to their unique needs.
Private Housing Schemes and Subsidies
The program collaborates with private housing schemes to further expand its reach. Under this collaboration:
- Houses range from 3 to 5 marlas.
- The government provides a subsidy of up to PKR 1 million per house.
- Beneficiaries repay the remaining amount in installments over five years.
This partnership bridges the gap between public and private efforts, enabling a more comprehensive approach to tackling housing challenges.
Application Process and Eligibility
To apply for the scheme, applicants must fulfill basic eligibility criteria: they must be permanent residents of Punjab, should not have benefited from any previous housing schemes, and must own a small plot or apply for one under this program. The application process is simple. Applicants need to obtain forms from Deputy Commissioner or Assistant Commissioner offices, submit the form with necessary documents including income verification and land ownership proof, and await approval and loan disbursement. The entire process is designed to be transparent and accessible to ensure that the benefits reach the truly deserving.
Conclusion
The ‘Apni Chhat, Apna Ghar’ program is a transformative initiative, paving the way for affordable housing in Punjab. The addition of the 3-marla plot scheme reinforces the government’s dedication to addressing the housing crisis and supporting vulnerable families. By providing interest-free loans, subsidized plots, and essential resources, the program is turning the dream of homeownership into reality for countless individuals. This initiative is a beacon of hope, promising a better future for generations to come.