Punjab Chief Minister Maryam Nawaz recently met with Dr. Amjad Saqib, the Founder and Chairman of Akhuwat, to discuss her government’s welfare programs. During the meeting, she emphasized the government’s commitment to making affordable housing accessible to low-income families across the province. Maryam Nawaz highlighted the ‘Apni Chhat, Apna Ghar’ program as one of the largest and most cost-effective residential initiatives in Pakistan’s history.
| Feature | Detail |
| Program Name | Apni Chhat, Apna Ghar |
| Target Audience | Low-income families |
| Loan Amount | Up to Rs. 15 lakh |
| Monthly Repayment | Rs. 14,000 |
Contents
Expanding the Housing Program Annually
The ‘Apni Chhat, Apna Ghar’ program, which has already started in selected districts of Punjab, is set to expand each year. Maryam Nawaz made it clear that the main goal of the project is to provide housing to economically disadvantaged groups. The program is designed to ensure that more families can own a home by making the housing process more affordable and accessible over time.
Loan and Payment Details
Under this program, the government offers loans of up to Rs. 15 lakh for purchasing residential plots. In rural areas, the loan can be used for plots up to 10 marlas, while in urban areas, it applies to plots up to 5 marlas. The monthly repayment for these loans is approximately Rs. 14,000, making it manageable for low-income families. This financial assistance is aimed at reducing the burden on those who find it difficult to afford a house on their own.
Benefits of the Housing Project
- Loans of up to Rs. 15 lakh for purchasing residential plots.
- Affordable monthly payments of Rs. 14,000.
- Housing available in both rural and urban areas.
- Expansion of the program to include more families each year.
Construction of Flats in Major Cities
In addition to providing loans for residential plots, the government plans to build four-story flats on state land in major cities. These flats will be allocated through a balloting system and will come with easy installment options. This part of the project is particularly important for residents of major cities who may not have enough land to build a house. By constructing these flats, the government is offering an alternative solution to homeownership in urban areas.
Subsidies for Private Housing Schemes
The ‘Apni Chhat, Apna Ghar’ program also includes a plan to build 3-5 marla houses in private housing schemes. The government will provide a subsidy of Rs. 10 lakh for each house, with the remaining amount to be paid back over five years. This subsidy is intended to make it easier for low-income families to afford a home in private housing projects. The combination of government support and private sector involvement is designed to maximize the program’s reach and effectiveness.
Conclusion
The yearly expansion of the ‘Apni Chhat, Apna Ghar’ program marks a significant effort by the Punjab government to address the housing needs of low-income families. With a focus on affordability and accessibility, the program provides various options, including loans, flats, and subsidies, to help people secure their own homes. As the program grows each year, it will continue to support more families in achieving their dream of homeownership.
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FAQs
What areas are covered under the ‘Apni Chhat, Apna Ghar’ scheme?
The scheme covers both rural and urban areas of Punjab, as well as major cities where flats will be constructed.
Can I apply for both a plot loan and a flat under this scheme?
No, applicants must choose between applying for a plot loan or a flat under the scheme.
What is the duration of the repayment period for houses in private schemes?
The repayment period for houses in private schemes is five years.
Is there any age limit for applicants to the ‘Apni Chhat, Apna Ghar’ scheme?
Yes, applicants must be at least 18 years old to apply for the scheme.