Apni Chhat Apna Ghar Scheme 2025
The Apni Chhat Apna Ghar Scheme 2025 has been launched by the Chief Minister of Punjab, Maryam Nawaz Sharif, to support the low-income classes in various districts across Punjab. This initiative focuses on providing affordable housing to residents of urban and rural areas, helping them secure a roof over their heads. The scheme aims to build 100,000 houses across six districts of Punjab, including Lahore, Sialkot, Multan, Sargodha, Faisalabad, and Rawalpindi.
اپنی چھت اپنا گھر اسکیم 2025
وزیر اعلیٰ پنجاب، مریم نواز شریف نے “اپنی چھت اپنا گھر” اسکیم کا آغاز کیا ہے تاکہ پنجاب کے مختلف اضلاع میں کم آمدنی والے طبقے کی مدد کی جا سکے۔ اس منصوبے کا مقصد شہری اور دیہی علاقوں کے رہائشیوں کو سستی رہائش فراہم کرنا ہے، تاکہ وہ اپنے سر پر ایک محفوظ چھت حاصل کر سکیں۔ اسکیم کے تحت پنجاب کے چھ اضلاع، جن میں لاہور، سیالکوٹ، ملتان، سرگودھا، فیصل آباد اور راولپنڈی شامل ہیں، میں 100,000 مکانات تعمیر کیے جائیں گے۔
Objective of the Apni Chhat Apna Ghar Scheme
The Apni Chhat Apna Ghar program 2025 is designed to provide homes at an affordable cost, thereby assisting families that are struggling to own their own homes. The total cost of each house is PKR 1.5 million, but the government will provide a 60% subsidy to make it more accessible. The remaining amount can be paid by applicants through easy monthly installments.
Execution Models of the Scheme
The scheme will be implemented through three execution models:
- Equity-Based Land Sharing
- Affordable Housing Scheme Rule 2020 in Private Societies
- Interest-Free Loan
- These models ensure that the project is financially feasible and tailored to meet the needs of low-income families, giving them the chance to own homes with minimal financial burden.
اسکیم کے نفاذ کے ماڈلز
اس اسکیم کو تین نفاذی ماڈلز کے ذریعے عمل میں لایا جائے گا:
ایکوئٹی بیسڈ لینڈ شیئرنگ
پرائیویٹ سوسائٹیز میں 2020 کے مطابق کم لاگت ہاؤسنگ اسکیم رول
بلا سود قرضہ
یہ ماڈلز اس منصوبے کو مالی طور پر قابل عمل اور کم آمدنی والے خاندانوں کی ضروریات کے مطابق بناتے ہیں، تاکہ وہ کم سے کم مالی بوجھ کے ساتھ اپنے گھر کے مالک بن سکیں۔
Affordable Housing Cost and Payment Plan
The total cost of a house under this scheme is PKR 1.5 million. The Punjab Government will cover 60% of this cost as a subsidy. The applicant is required to pay 40% of the total amount, which comes to PKR 600,000. To ease the financial burden, this amount can be paid in easy monthly installments of PKR 26,000 over the course of 5 years.
Key Benefits of the Scheme
The Apni Chhat Apna Ghar Scheme offers several benefits to eligible applicants:
- Affordable homes: With the government’s subsidy, low-income families can own a home at a significantly reduced price.
- Flexible payments: Monthly installments are designed to be affordable and manageable for most applicants.
- Interest-free loans: Around 70,000 families will benefit from interest-free loans to build their homes.
- Focus on key cities: The scheme prioritizes major cities like Lahore, Multan, Faisalabad, Sialkot, and Rawalpindi, ensuring that the most populous areas benefit first.
اسکیم کے اہم فوائد
اپنی چھت اپنا گھر اسکیم اہل درخواست گزاروں کو کئی فوائد فراہم کرتی ہے:
✅ سستے گھر – حکومت کی سبسڈی کے ذریعے کم آمدنی والے خاندان نمایاں طور پر کم قیمت پر گھر کے مالک بن سکتے ہیں۔
✅ لچکدار ادائیگیاں – ماہانہ اقساط کو زیادہ تر درخواست گزاروں کے لیے قابل برداشت اور آسان بنایا گیا ہے۔
✅ بلاسود قرضے – تقریباً 70,000 خاندان اپنے گھر بنانے کے لیے بلاسود قرضوں سے مستفید ہوں گے۔
✅ اہم شہروں پر توجہ – یہ اسکیم لاہور، ملتان، فیصل آباد، سیالکوٹ، اور راولپنڈی جیسے بڑے شہروں کو ترجیح دیتی ہے، تاکہ زیادہ آبادی والے علاقوں کو سب سے پہلے فائدہ پہنچے۔
How to Apply for Apni Chhat Apna Ghar Scheme
If you are interested in applying for the Apni Chhat Apna Ghar Scheme, follow the steps below:
- Visit the Official Portal: Go to the official website of the Apni Chhat Apna Ghar Scheme to begin your registration.
- Fill out the Registration Form: The form will require basic details such as:
- Full Name
- CNIC Number
- Relationship Status
- Father’s or Husband’s CNIC Number
- Gender
- Mobile Number
- City and District Information
- Login to the Portal: After registration, use your credentials to log in to the Apni Chhat Apna Ghar Scheme’s portal to track your application and manage the process.
Registration link
اپنی چھت اپنا گھر اسکیم میں درخواست دینے کا طریقہ
اگر آپ اپنی چھت اپنا گھر اسکیم میں درخواست دینا چاہتے ہیں تو درج ذیل مراحل پر عمل کریں:
✅ سرکاری پورٹل پر جائیں: رجسٹریشن شروع کرنے کے لیے اپنی چھت اپنا گھر اسکیم کی سرکاری ویب سائٹ پر جائیں۔
✅ رجسٹریشن فارم پُر کریں: فارم میں درج ذیل بنیادی معلومات درکار ہوں گی:
مکمل نام
شناختی کارڈ (CNIC) نمبر
ازدواجی حیثیت
والد یا شوہر کا شناختی کارڈ نمبر
جنس (مرد/خاتون)
ای میل
موبائل نمبر
شہر اور ضلع کی معلومات
✅ پورٹل میں لاگ اِن کریں: رجسٹریشن مکمل ہونے کے بعد، اپنی چھت اپنا گھر اسکیم کے پورٹل میں لاگ ان کریں تاکہ آپ اپنی درخواست کا اسٹیٹس دیکھ سکیں اور دیگر مراحل کو مینج کر سکیں۔
Eligibility Criteria for the Scheme
To qualify for the Apni Chhat Apna Ghar Scheme, applicants must meet the following conditions:
- The applicant must be a permanent resident of Punjab (as per CNIC).
- The applicant’s monthly income should be less than PKR 60,000.
- The applicant must own 5 Marla land in urban areas or 10 Marla land in rural areas in Punjab.
- The applicant must not have any criminal record or financial loan defaults.
Down Payment and Monthly Installments
- Down Payment: Applicants need to pay 40% of the house price, which is PKR 600,000 for a house priced at PKR 1.5 million.
- Monthly Installments: The monthly installment for the house will be PKR 26,000, which can be paid over a period of 5 years.
Government’s Role and Subsidy
The Punjab Government plays a pivotal role in this scheme by providing a 60% subsidy for the housing units, making homeownership more accessible to low-income families. Additionally, the government will cover the sales tax and operational costs for the housing developers.
Phases of the Construction Plan
The Apni Chhat Apna Ghar Scheme is being rolled out in phases:
- Initial Phase: In the first phase, 5,000 houses are being constructed near Main Raiwind Road, Lahore, and 3,000 homes will be built in other districts.
- Future Phases: The construction of the remaining 100,000 houses will follow, based on the availability of funds and resources.
Expected Outcomes of the Scheme
This initiative is expected to have a profound impact on the housing sector, including:
- Improved living conditions for low-income families.
- Reduced overcrowding and slum dwelling.
- Enhanced access to basic amenities like water, sanitation, and electricity.
- Increased safety and security in communities.
- Job creation: The construction of 100,000 homes is expected to generate over half a million jobs, contributing to the economy.
Conclusion
The Apni Chhat Apna Ghar Scheme is an essential initiative that will help transform the lives of thousands of low-income families across Punjab. With affordable housing prices, easy payment plans, and the government’s 60% subsidy, this scheme provides an excellent opportunity for people who have always dreamt of owning a home but lacked the financial resources.
If you meet the eligibility criteria and are interested in applying, visit the official website today to begin your registration process. Secure your future and become a part of this transformative housing initiative.
FAQs
- Who is eligible for the Apni Chhat Apna Ghar Scheme?
To qualify, applicants must:
- Be permanent residents of Punjab (as per CNIC).
- Have a monthly income of less than PKR 60,000.
- Own 5 Marla land in urban areas or 10 Marla land in rural areas.
- Have no criminal record or existing financial loan defaults.
- What is the total cost of a house under this scheme?
Each unit is priced at PKR 1.5 million. However, the Punjab Government will provide a 60% subsidy, significantly reducing the cost for applicants. - How much down payment is required?
Applicants must pay 40% of the total cost, which amounts to PKR 600,000 as a down payment. - What are the monthly installment details?
The remaining 40% can be paid through easy monthly installments of PKR 26,000 over a period of 5 years. - How can I apply for the Apni Chhat Apna Ghar Scheme?
To apply, visit the official portal, fill out the registration form with your CNIC, income details, and location, and submit the required documents. Once approved, you will be notified about the next steps.
