The Apni Chhat Apna Ghar Ehsaas Program initiative, launched under the leadership of Punjab’s Chief Minister Maryam Nawaz, is a groundbreaking effort to provide 100,000 affordable housing units across the province. This transformative program aims to improve living conditions for low-income families currently residing in rented spaces or informal settlements. The housing units will be delivered over a span of four and a half years through three innovative implementation models.

Implementation Models

1. Development on State Land

  • Objective: Construct 10,000 housing units on state-owned land using an equity-based land-sharing model with private developers.
  • Developer’s Role: Developers are responsible for building infrastructure and housing, including roads and utilities, while adhering to PHATA-approved standards.
  • Government’s Role: The government will provide land-use plans, approve layouts, and ensure the provision of trunk infrastructure.
  • Financing: Developers will fund all construction, while the government sets pricing and payment plans for the units.

2. Affordable Housing in Private Developments

  • Objective: Build 20,000 low-cost homes within private housing schemes, with at least 20% of the residential area reserved for low-income groups.
  • Compliance: Developers must follow APHS Rules 2020, with approvals streamlined through a one-window system.
  • Payment Plan: Allottees will pay an initial down payment into an Escrow account, followed by monthly installments over five years.
  • Oversight: PHATA will monitor construction quality and cost to ensure affordability.

3. Interest-Free Home Loans

  • Objective: Provide interest-free loans for home construction to eligible applicants.
  • Eligibility: Applicants must own plots of up to 5 Marlas in urban areas or 10 Marlas in rural regions of Punjab.
  • Loan Details:
    • Maximum Loan Amount: PKR 1.5 million
    • Tenure: 7 years, payable in easy monthly installments
    • Disbursement: Funds will be released in phases, with the government covering operational expenses.

Eligibility Requirements

To qualify for the Apni Chhat Apna Ghar program, applicants must meet these criteria:

  • Be the head of the family, as recorded by NADRA.
  • Be a permanent resident of Punjab, with valid proof on their CNIC.
  • Own a plot of land in Punjab, up to 5 Marlas in urban areas or 10 Marlas in rural areas.
  • Have no criminal record or outstanding debts with any financial institution.
  • Must be listed in the National Socio-Economic Registry (NSER) with a PMT score of 60 or less.

How to Apply

A dedicated online portal (acag.punjab.gov.pk) has been introduced to streamline the application procedure. For assistance, applicants can contact the helpline at 0800-09100. Applications can be submitted directly through the portal for convenience.

Empowering Punjab with Affordable Housing

The Apni Chhat Apna Ghar program is a transformative initiative aimed at empowering families by providing affordable housing options while promoting economic growth and community development across Punjab. With flexible financing, state-of-the-art infrastructure, and government-backed support, this program paves the way for a brighter and more stable future for the province’s underserved populations.

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