Apni Chhat Apna Ghar
The “Apni Chhat Apna Ghar” program is a vital inventiveness by the Punjab government, led by Chief Minister Maryam Nawaz Sharif, aiming to provide 100,000 reasonable houses and bed-sitters to eligible residents across the area. This program is designed to improve living situations for low-income relations currently residing in rented housings or informal payments, offering them an chance to own their homes.
Program Overview
The program is structured into three execution models to ensure effective implementation:
- State Land Development (Model 1):
- Objective: Construct 10,000 housing units on state-owned land finished a land-sharing preparation between developers and the Punjab Housing & Town Planning Agency (PHATA).
- Responsibilities: Developers are tasked with building complete substructure, including roads and utilities, adhering to designs and riders provided by PHATA.
- Financials: Developers bear the full capital cost of substructure development and housing building in exchange for state land. The government controls the price and installment plan for each cover unit.
- Affordable Private Housing Schemes (Model 2):
- Objective: Develop 20,000 low-cost houses within secluded housing schemes accepted by PHATA under the Affordable Private Housing Scheme (APHS) Rules 2020.
- Key Features: Developers must allocate at least 20% of the housing area for affordable housing. The government streamlines the support process through a one-window device, safeguarding timely granting of No Objection Certificates (NOCs).
- Financials: Allottees make a down payment to the developer through an Escrow account, followed by monthly payments over five years. The administration provides a grant of PKR 1 million per unit.
- Interest-Free Loans (Model 3):
- Objective: Provide interest-free loans for house building to eligible beneficiaries.
- Eligibility: Residents of Punjab owning housing plots up to 5 marlas in urban areas or up to 10 marlas in rural areas.
- Loan Details: A maximum loan amount of PKR 1.5 million is offered, repayable over seven years in easy once-a-month payments. The loan is paid in tranches, and a rotating fund is recognized to facilitate incessant backing.
Recent Developments
In a recent meeting chaired by Chief Minister Maryam Nawaz Sharif, it was exposed that building of houses has began across Punjab under the “Apni Chhat Apna Ghar” program. In just two months, recipients of the first payment of house-building loans in Lahore, Kasur, and other districts have begun constructing their homes vigorously. The meeting also tinted that over 550,000 people have visited the program’s portal, with about 375,000 applications received to date.
Application Process
The database offers both online and offline application methods to house all applicants:
- Online Application: Applicants can apply through the official ACAG portal by providing necessary personal information, including full name, CNIC number, contact details, and residential information.
- Offline Application: For those unable to apply online, the program has presented an offline application facility. Applicants can visit the recording desk of the Apni Chhat Apna Ghar Scheme located inside the Deputy Official Office of their district to submit their application. It is essential to carry all obligatory documents for registering.
Eligibility Criteria
To qualify for the program, applicants must meet the following circumstances:
- Head of the Family: Known as the head of the family rendering to NADRA records.
- Resident of Punjab: Lasting resident of Punjab, as stated on their CNIC.
- Land Ownership: Own a plot of land no larger than 5 marlas in urban areas or 10 marlas in rural areas in Punjab at the time of applying.
- No Criminal Record: No connection in serious crimes or doings against the state or society.
- No Outstanding Loans: Should not owe any money to financial institutions or banks.
Program Steering Committee
The program is supervised by a steering committee including senior officials to ensure real application and address any challenges:
- Senior Minister Punjab (Convener)
- Minister Housing Punjab (as and when appointed)
- Chairman P&D Board Punjab
- Senior Member Board of Revenue
- Secretary Finance
- Secretary HUD&PHED
- Secretary LG&CD
- Director General PHATA (Secretary)
- Any co-opted member
Contact Information
For further assistance or studies, applicants can contact the program through the following channels:
- Phone: 042-99213419, 042-99213428, or 0800-09100
- Email: info@phata.punjab.gov.pk
Conclusion
The “Apni Chhat Apna Ghar” program signifies a important step toward refining the lives of low-income relations in Punjab by as long by way of them with affordable cover options. By easing homeownership, the program aims to improve living conditions, promote financial development, and reinforce public development across the area.