Apply For ‘Apni Chhat Apna Ghar’ Scheme Online

The Punjab government has launched the “Apni Chhat Apna Ghar” Scheme, a major initiative aimed at providing affordable housing solutions to low-income families in the province. This program, spearheaded by Chief Minister Maryam Nawaz, is set to make a significant impact on Punjab’s housing sector by offering 100,000 homes over the next four and a half years.

Overview of the Apni Chhat Apna Ghar Scheme

Introduction: The “Apni Chhat Apna Ghar” Scheme is designed to support families struggling with high rental costs and the prohibitive expense of homeownership. This initiative will facilitate the construction of 100,000 houses and apartments across Punjab, aiming to improve living conditions for low-income residents. The scheme is managed by the Punjab Housing & Town Planning Agency (PHATA) and the Housing, Urban Development and Public Health Engineering Department (HUD&PHED).

Comprehensive Table summarizing the “Apni Chhat Apna Ghar” Scheme

Category	Details
Program Name	Apni Chhat Apna Ghar Scheme
Initiator	Chief Minister Maryam Nawaz
Objective	To provide affordable housing to low-income families in Punjab
Total Homes Planned	100,000 houses
Homes Under Construction	50,000 homes
Initial Phase Construction	5,000 homes in Lahore and over 3,000 in other cities
Cost per Home	Rs 15 lac
Beneficiary Contribution	40% of the total cost
Government Subsidy	60% of the total cost
Repayment Period	5 years
Installment Amount	Rs 26,000 per month
Cities Covered	Lahore, Multan, Rawalpindi, Faisalabad, Sargodha, Sialkot
Execution Models	– Model 1: 10,000 housing units on state land – Model 2: 20,000 housing units in private schemes – Model 3: 70,000 interest-free loans
Execution Model-1	– Land-sharing arrangement on state land – Developers responsible for infrastructure and construction – PHATA provides land and design specifications
Execution Model-2	– 20% of residential area in private schemes for affordable housing – Streamlined approval process – Down payment and installment plan through Escrow account
Execution Model-3	– Interest-free loans for up to Rs 1.5 million – Loan tenure of 7 years – Disbursed in tranches – Revolving fund for continuous availability
Application Process	– Online: https://acag.punjab.gov.pk/ – Phone: Call 0800-09100
Eligibility Criteria	– Resident of Punjab – Monthly income below Rs 60,000 – No property ownership – Government employees or socio-economically qualified
Program Steering Committee	1. Senior Minister Punjab (Convener) 2. Minister Housing Punjab 3. Chairman P&D Board Punjab 4. Senior Member Board of Revenue 5. Secretary Finance 6. Secretary HUD&PHED 7. Secretary LG&CD 8. DG PHATA (Secretary) 9. Any coopted Member
TORs of Program Steering Committee	– Provide policy guidelines – Oversee progress and address issues – Handle ancillary matters related to the program

This table provides a clear and concise overview of the “Apni Chhat Apna Ghar” Scheme, detailing key aspects of the program.

Key Features of the Scheme:

• Affordable Housing: The program targets low-income segments residing in rented or informal housing setups, providing them with the opportunity to own their own homes.
• Interest-Free Loans: Under the third execution model, interest-free loans are available for house construction.
• Installment Plan: Beneficiaries can avail of a manageable monthly installment plan, making homeownership more accessible.

Detailed Scheme Information

Execution Models:

Execution Model-1 (Tentative 10,000 Housing Units): This model involves constructing housing units on state land through a land-sharing arrangement between developers and PHATA. Developers are responsible for the infrastructure and construction, while PHATA provides land and oversees compliance with design standards.

Execution Model-2 (Tentative 20,000 Housing Units): This model focuses on developing low-cost houses within private housing schemes. Developers will allocate at least 20% of the residential area for affordable housing. The government will streamline the approval process, and developers will provide affordable houses with a down payment and installment plan.

Execution Model-3 (Tentative 70,000 Interest-Free Loans): Under this model, eligible beneficiaries can apply for interest-free loans for house construction. The maximum loan amount is Rs 1.5 million, with a tenure of 7 years. Loans will be disbursed in tranches, and operational costs will be covered by the government.

How to Apply for the Apni Chhat Apna Ghar Scheme

Online Application Process:

1. Visit the Official Website: Access the online application portal at https://acag.punjab.gov.pk/.
2. Register: Click on the “Register” button located at the top left corner of the page.
3. Complete the Form: Fill out the application form with accurate information.
4. Submit: Click the “Register” button to finalize your application.

Offline Application via Phone:

• Contact Number: Call 0800-09100 to get information about the scheme and register as a new applicant.

Apni Chhat Apna Ghar Scheme Details:

Project Name: Apni Chhat Apna Ghar Scheme
Initiator: CM Punjab Maryam Nawaz
Objective: To provide affordable housing to underprivileged families
Total Homes Planned: 100,000 houses
Homes Under Construction: 50,000
Initial Phase Construction: 5,000 houses in Lahore and over 3,000 in other cities
Cost per Home: Rs 15 lac
Installment Amount: Rs 26,000
Government Subsidy: 60%
Beneficiary Contribution: 40%
Repayment Period: 5 years

Subsidy Details: The Punjab government will provide a 60% subsidy on the total cost of the house, which means beneficiaries only need to pay 40% of the total cost. For a house priced at Rs 15 lac, the down payment amounts to Rs 6 lac, which can be paid through affordable installments over five years.

Cities Covered: The scheme will build homes in six major cities of Punjab:

• Lahore
• Multan
• Rawalpindi
• Faisalabad
• Sargodha
• Sialkot

Project Phases: Construction will be completed in multiple phases, with an initial focus on 5,000 homes in Lahore and over 3,000 homes in other cities.

Eligibility Criteria

To qualify for the “Apni Chhat Apna Ghar” Scheme, applicants must:

• Be residents of Punjab.
• Belong to a low-income family with a monthly income below Rs 60,000.
• Not own any property.
• Be government employees or meet the required socio-economic status.

Instalment Plan and Vision

Instalment Plan: Beneficiaries will only need to make a down payment of 40% of the total cost, which amounts to Rs 6 lac for a house priced at Rs 15 lac. The installment plan will be Rs 26,000 per month over five years.

Vision of the Scheme: Chief Minister Maryam Nawaz aims to offer affordable and high-quality homes to low-income families. The homes will be durable, capable of withstanding environmental changes, and built to high standards. Sample homes will be constructed within six weeks to showcase design and quality.

Expected Outcomes of the Scheme

The “Apni Chhat Apna Ghar” Scheme is expected to:

• Improve living conditions for low-income families.
• Reduce overcrowding and informal housing.
• Enhance access to basic amenities such as water, sanitation, and electricity.
• Increase community safety and security.
• Generate approximately half a million jobs, contributing to economic growth.

Program Steering Committee

1. Senior Minister Punjab – Convener
2. Minister Housing Punjab – Member
3. Chairman P&D Board Punjab – Member
4. Senior Member Board of Revenue – Member
5. Secretary Finance – Member
6. Secretary HUD&PHED – Member
7. Secretary LG&CD – Member
8. DG PHATA – Secretary
9. Any coopted Member – Member

TORs of Program Steering Committee:

• Provide overall policy guidelines for the implementation of the program.
• Oversee progress and issue instructions to address any issues.
• Handle any matters related to the “Apni Chhat Apna Ghar” Scheme.

Conclusion

The “Apni Chhat Apna Ghar” Scheme by Chief Minister Maryam Nawaz represents a significant effort to address the housing crisis faced by low-income families in Punjab. By providing a 60% subsidy and a flexible repayment plan, the scheme aims to make homeownership accessible and affordable. This initiative will not only provide stable housing but also contribute to economic growth and community development in the province.

FAQs

1. Who is eligible for the Apni Chhat Apna Ghar Scheme?
Eligibility is limited to residents of Punjab who have a monthly income below Rs 60,000 and do not own any property.

2. How many houses will be constructed?
The scheme plans to construct a total of 100,000 houses across six major cities in Punjab.

3. How many houses will be built in the initial phase?
The initial phase includes the construction of 5,000 houses in Lahore and over 3,000 in other cities.

4. What is the total cost of each house?
Each house is priced at Rs 15 lac.

5. What is the subsidy provided by the government?
The government provides a 60% subsidy on the total cost of the house.

6. How much does a beneficiary need to pay?
Beneficiaries need to pay 40% of the total cost, which amounts to Rs 6 lac, through affordable installments.

For more information or to apply, visit https://acag.punjab.gov.pk/ or call 0800-09100.