The Punjab government has shared fresh updates on its ambitious ‘Apni Chhat, Apna Ghar’ scheme, a landmark initiative aimed at making affordable housing accessible for underprivileged families across the province. With over 5,000 homes nearing completion and loans distributed to thousands of applicants, the programme is shaping up to be a game-changer in providing interest-free housing loans for the deserving.
Thousands of Homes Nearing Completion
Punjab Chief Minister Maryam Nawaz announced that more than 5,000 homes are close to completion under the ‘Apni Chhat, Apna Ghar’ programme. The construction efforts have significantly accelerated in Phase II, where loans have been disbursed to 3,000 applicants. This milestone highlights the government’s commitment to providing shelter to needy families while upholding transparency and merit in loan distribution.
Interest-Free Loans for a Better Future
The initiative has become the first-ever interest-free housing project in Pakistan’s history, setting a precedent for inclusive development. Families can apply for housing loans of up to Rs. 1.5 million, repayable in easy monthly installments over nine years. Borrowers only need to repay the principal amount, with no added financial burden. Monthly payments are capped at Rs. 14,000, making it a highly affordable solution for families across the economic spectrum.
Phase I Success and Cheque Distribution
The foundation for this transformative housing programme was laid last year. During the cheque distribution ceremony, which was attended by Nawaz Sharif and Maryam Nawaz, eligible families received their loan cheques. This event marked a significant step in fulfilling Nawaz Sharif’s vision of empowering the needy to construct homes of their own.
Maryam Nawaz expressed her pride in the scheme, emphasizing how it aligns with the government’s mission to uplift marginalized communities. She noted that the programme received an overwhelming response, with over 500,000 applications submitted by hopeful participants.
Loan Structure and Criteria
The programme is designed to accommodate both rural and urban areas. Below is a detailed breakdown of the loan structure:
- Rural Areas:
- Loan limit: Up to PKR 1.5 million
- House size: Up to 10 marlas
- Repayment: PKR 14,000 per month
- Urban Areas:
- Loan limit: Up to PKR 1.5 million
- House size: Up to 5 marlas
- Repayment: PKR 14,000 per month
- Major Cities:
- Construction of four-story flats on government land
- Allocation through a lottery system
- Flats provided on easy installments
Additionally, the government has partnered with private housing schemes to provide subsidized homes ranging from 3 to 5 marlas, with subsidies of up to PKR 1 million per house.
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How the Scheme Benefits Low-Income Families
The ‘Apni Chhat, Apna Ghar’ programme serves as a beacon of hope for thousands of families who have struggled to secure affordable housing. By ensuring merit-based loan allocation and introducing interest-free installments, the Punjab government has made owning a home a realistic goal for low-income households.
Moreover, the focus on rural and urban housing needs ensures equitable access across different regions of Punjab. From traditional houses in rural areas to modern flats in cities, the scheme offers tailored solutions for a wide demographic.
Conclusion
The ‘Apni Chhat, Apna Ghar’ programme is more than just a housing initiative—it’s a promise of security, stability, and dignity for countless families across Punjab. As the government pushes forward with its construction goals and loan disbursements, the dream of affordable housing is turning into a reality for many.
By empowering people with interest-free loans and sustainable housing solutions, the Punjab government is setting the stage for a brighter and more inclusive future.
FAQs
- Who is eligible for the ‘Apni Chhat, Apna Ghar’ loan?
Any deserving family meeting the programme’s merit-based criteria can apply. Priority is given to low-income households. - How much loan can I apply for under this scheme?
You can apply for loans up to Rs. 1.5 million, repayable in easy monthly installments of Rs. 14,000. - What housing options are available in urban areas?
Urban participants can apply for loans to construct homes up to 5 marlas, while flats are allocated through a lottery system in major cities. - Are the loans truly interest-free?
Yes, borrowers only need to repay the principal amount over nine years without any added interest. - How can I apply for this programme?
Interested applicants can apply through official government channels. Regular draws are held to select eligible candidates.