Punjab Chief Minister Maryam Nawaz has announced an ambitious plan to provide loans of Rs 1.5 million to 70,000 families across Punjab under the “Apni Chat Apna Ghar” scheme.
The initiative aims to help people build their own homes, fulfilling a basic need for many. The loans will be disbursed in easy installments over a period of seven years, and the Punjab government will also bear the tax on the construction of the house.
If you have a plot of land — up to 5 marla in urban areas or 10 marla in rural areas — you may be eligible for the program. If you are interested in applying, the process is straightforward, and we have detailed it below.
Apni Chat Apna Ghar Program Online Form
Here is the Citizen Registration Form through which anyone can register and then apply for a housing loan. Apna Ghar Program is only for the people of Punjab. Must have a valid domicile of any district of Punjab.
In the above online form you will fill all your details. Please enter authentic and original details. If you enter any wrong information then your registration will be cancelled and you will not be able to get a housing loan.
Scheme Features
- Affordable Housing Units: The scheme will offer a range of houses at subsidized rates, making home ownership accessible to low-income families.
- Easy Financing Options: Beneficiaries of the scheme will have access to low-interest loans and flexible repayment plans, ensuring that financial constraints do not become a barrier to home ownership.
- Comprehensive Eligibility Criteria: The program is designed to be inclusive, with eligibility criteria that prioritize economically disadvantaged families, single mothers, and people with disabilities.
- Quality Infrastructure: Housing units under the scheme will be constructed with high-quality materials and modern infrastructure, ensuring sustainability and comfort for residents.
Eligiblity for the “Apni Chat Apna Ghar” Loan
To be eligible for an interest-free loan of Rs 15 lakh under this scheme, you need to meet certain eligibility criteria. The loan, which is repayable in monthly installments of around Rs 14,000 over seven years, is aimed at individuals who meet the following conditions:
- Income: Your monthly income should be less than Rs 60,000.
- No other benefits: You should not be receiving benefits from any other government scheme.
- Home ownership: You should not already own a home.
- Financial need: Your income should be so low that you struggle to meet basic needs.
- Employment: You should not be a government employee.
- Age: You should be above 18 years of age.
- Residence: You must be a resident of Punjab.
- Criminal record: You should not have any criminal record.
- Poverty score: Your poverty score should be below 30%.
Documents Required for Registration
If you are eligible and want to apply, you will need to submit several documents to the Punjab government. These documents help verify your eligibility for the loan. Here is what you will need:
- Proof of Property: A document proving ownership of the land where you plan to build.
- National Identity Card: Front and back photos of your CNIC, approved by the Government of Pakistan.
- Photo: A recent passport-sized photo of yourself.
Apni Chat Apna Ghar Installment Plan
The down payment that a person has to make for the Apni Chat Apna Ghar housing plan is just forty percent of the total cost, provided that he is accepted into the program. The first payment will be six hundred thousand rupees, as the total cost is fifteen hundred thousand rupees.
To accommodate those who have applied, a payment plan has been created that is both convenient and affordable. An initial payment of 26,000 Pakistani rupees is required, and the remaining forty percent down payment must be paid within five years.
How to Apply: Step-by-Step Guide
Applying for the “Apni Chat Apna Ghar” scheme is easy thanks to the online portal set up by the Punjab government. Here is a simple guide to help you with the process:
- Visit the official website: https://benazirincomesupport.org/
- Create an account: If you are a new user, create an account using your CNIC, phone number, address, and password.
- Log in: Once your account is set up, log in using your CNIC number and password.
- Agree to the terms: Review and agree to the terms and conditions by ticking the relevant box.
- Provide personal details: Fill in your personal details, such as your phone number, address, CNIC number, father’s name, occupation, and monthly income.
- Submit property information: Enter details about your property, including its location and type.
- Upload documents: Upload the required documents, including images of your CNIC and property proof.
- Submit Application: Finally, submit your application and wait for a confirmation message regarding your eligibility.
Conclusion
Apni chat Apna Ghar is a major project aimed at providing affordable housing to the people of Punjab. By offering interest-free loans and simplifying the application process, the Punjab government is ensuring that more families own their own homes. The scheme is set to benefit lakhs of people over the next five years, making housing more accessible and affordable for all.