Apni Chhat Apna Ghar Program -Apply Online Today

How to Apply for the Apni Chhat Apna Ghar Program? The Apni Chhat Apna Ghar program, initiated by the Chief Minister of Punjab, is a large-scale housing initiative designed to provide 100,000 affordable houses or apartments to eligible residents across the province. It aims to improve living conditions for low-income families, particularly those in rented or informal housing. Over the course of four and a half years, homes will be delivered through three unique execution models. Below, we’ll take a detailed look at the program and the steps to apply.

اپنی چھت اپنا گھر پروگرام، وزیر اعلیٰ پنجاب کی جانب سے شروع کیا گیا ایک بڑا ہاؤسنگ منصوبہ ہے. جو صوبے بھر کے مستحق رہائشیوں کو 100,000 سستے مکانات یا اپارٹمنٹس فراہم کرنے کے لیے بنایا گیا ہے۔ اس کا مقصد کم آمدنی والے خاندانوں کی رہائش کی صورتحال کو بہتر بنانا ہے. خاص طور پر وہ جو کرایے کے گھروں یا غیر رسمی رہائش میں رہتے ہیں۔ یہ مکانات ساڑھے چار سال کے عرصے میں تین مختلف ماڈلز کے ذریعے فراہم کیے جائیں گے۔ آئیے اس پروگرام اور اس میں درخواست دینے کے طریقے پر تفصیل سے نظر ڈالیں۔

Table of Contents

How does the Apni Chhat Apna Ghar Program Work?

The program operates under three distinct execution models:

1. State Land Development

Objective: Build 10,000 housing units on state land through developer equity-based land-sharing arrangements.
Responsibilities: Developers manage infrastructure development, housing construction, and utilities, such as roads and electricity. The Punjab Housing and Town Planning Agency (PHATA) provides initial land use plans and ensures that design standards are followed.
Financials: Developers bear the infrastructure and construction costs. The government sets the pricing and payment plans for housing units.
Approval: PHATA oversees the approval of layout and infrastructure plans and develops trunk infrastructure for each site.

2. Affordable Private Housing Schemes

Objective: Develop 20,000 affordable homes within private housing schemes approved by PHATA, allocating at least 20% of the residential area to low-income families.
Process: Developers must follow the Affordable Private Housing Schemes (APHS) Rules 2020, with streamlined approvals via a one-window mechanism. PHATA sets affordable house prices and sizes.
Payments: Allottees make an initial down payment into an escrow account, with the balance paid in monthly installments over five years. PHATA supervises construction and monitors costs.

3. Interest-Free Loans

Objective: Provide interest-free loans to help construct homes for eligible applicants. A revolving fund supports these loans.
Eligibility: Applicants must be Punjab residents who own plots up to 5 Marlas in urban areas or 10 Marlas in rural areas. Loan applications can be submitted online.
Loan Details: The maximum loan amount is PKR 1.5 million, repayable over seven years in easy monthly installments. Funds are released in tranches, and the government covers operational costs.

Eligibility Criteria

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

Be the head of the family as per NADRA records.
Be a permanent resident of Punjab, as indicated on the CNIC.
A person owns a plot of land up to 5 Marlas in urban areas or up to 10 Marlas in rural areas of Punjab at the time of application.
Have no criminal record or involvement in activities against the state or society.
Not be in debt to any financial institution or bank.
Be registered with the National Socio-Economic Registry (NSER) and have a household PMT score of 60 or less.

How to Apply for the Apni Chhat Apna Ghar Program?

The application process for Apni Chhat Apna Ghar is straightforward and accessible online. Chief Minister Maryam Nawaz inaugurated the online portal for easy access, and here’s a step-by-step guide on how to apply:

اپنی چھت اپنا گھر کے لیے درخواست دینا آسان ہے اور یہ آن لائن دستیاب ہے۔ وزیر اعلیٰ مریم نواز نے آن لائن پورٹل کا افتتاح کیا تاکہ شہری آسانی سے اس میں درخواست دے سکیں۔ یہاں درخواست دینے کا مکمل طریقہ موجود ہے

1. Visit the Official Portal

Go to the official website: acag.punjab.gov.pk.
Alternatively, you can call 0800-09100 for more information.

2. Fill Out the Citizen Registration Form

Enter your full name.
Provide your CNIC number.
Input your father’s or husband’s CNIC number (depending on your marital status).
Specify your gender.
Provide your email address and mobile number, including your network provider, if your number is ported.
Select your division, district, and city.
Create and confirm your user password to complete the registration process.

3. Receive a Certification Form

After registration, you will receive a certification form, which you must certify for each category to ensure your eligibility for the program.

4. Submit the Application Form

Once certification is complete, proceed with the application form.
Provide your general information, such as personal details and housing preferences.
Upload required documents (CNIC, proof of income, plot ownership documents, etc.).
Include any additional remarks or supporting information before submitting the application.

5. Await Approval and Next Steps

After submission, your application will be reviewed. If approved, you will be notified to proceed with the next steps, such as loan applications (if applicable) or finalizing your housing allotment.

Apni Chhat Apna Ghar Program Expected Outcomes

The Apni Chhat Apna Ghar program is expected to significantly improve living conditions for low-income families across Punjab. The anticipated outcomes include:

Improved Living Conditions: Better access to secure, affordable housing.
Reduced Overcrowding: A decrease in informal settlements and slum dwellings.
Enhanced Amenities: Better access to essential services like water, sanitation, and electricity.
Community Benefits: Increased safety, security, and social cohesion within newly developed housing schemes.
Economic Impact: The construction of 100,000 housing units will create an estimated 500,000 jobs, boosting the local economy.

Apni Chhat Apna Ghar Program Conclusion

The Apni Chhat Apna Ghar program is a transformative initiative that offers affordable housing solutions to eligible residents of Punjab. The program ensures that low-income families attain better living standards by providing a streamlined application process and various financial models. If you meet the eligibility criteria, don’t miss the opportunity to apply and secure your future home.

اپنی چھت اپنا گھر پروگرام ایک انقلابی منصوبہ ہے جو پنجاب کے مستحق رہائشیوں کو سستے مکانات فراہم کرنے کے لیے بنایا گیا ہے۔ اس پروگرام کے ذریعے کم آمدنی والے خاندان بہتر زندگی گزار سکیں گے۔ اگر آپ اس پروگرام کے معیار پر پورا اترتے ہیں، تو اس سنہری موقع کو ضائع نہ کریں اور جلد از جلد درخواست دیں۔

Apni Chhat Apna Ghar Program -Apply Online Today