How to Apply for the Apni Chhat Apna Ghar Scheme – A Step-by-Step Guide – The Punjab Chief Minister introduced the “Apni Chhat Apna Ghar” Program, which aims to give 100,000 qualified citizens of the state access to 100,000 reasonably priced homes or apartments. The goal of this program is to enhance living circumstances for low-income people who rent homes or live in unofficial settings. Through three different execution strategies, the initiative will produce these homes in four and a half years.
How to Apply for the Apni Chhat Apna Ghar Scheme – A Step-by-Step Guide
How to Apply for the Apni Chhat Apna Ghar Scheme – A Step-by-Step Guide – The “Apni Chhat Apna Ghar” homes Program, an initiative of Punjab Chief Minister Maryam Nawaz, aims to give low-income families in the province access to inexpensive homes. With the help of this program, disadvantaged populations’ housing requirements will be significantly addressed and they will be able to easily purchase a property.
How Apni Chhat Apna Ghar Program Works?
1. Execution Model 1: State Land Development
- Goal: Enable the development of 10,000 dwelling units on state property by means of a land-sharing agreement with developers that is based on equity.
- Developers are in charge of building homes and developing the necessary infrastructure, such as utilities and roads. PHATA will supervise adherence to design requirements and offer preliminary land use plans.
- Financials: All building and infrastructure-related expenses will be met by the developers. The cost and terms of payment for the housing units will be determined by the government.
- Approval: Each site’s trunk infrastructure will be developed and the layout and infrastructure plans approved by PHATA.
2. Execution Model 2: Affordable Private Housing Schemes
- Goal: Construct 20,000 affordable homes inside PHATA-approved private housing developments, with an emphasis on providing at least 20% of the residential space to low-income households.
- Procedure: APHS Rules 2020 must be followed by developers. Approvals will be expedited using a one-window process. PHATA will determine the sizes and costs of reasonably priced homes.
- Payments: Allottees will pay the remaining balance in monthly installments over a five-year period, with an initial down payment placed into an escrow account. PHATA will oversee construction and keep an eye on expenses.
3. Execution Model 3: Interest-Free Loans
- The goal is to offer interest-free loans for home construction. For this reason, a revolving fund will be set up.
- Eligibility: Plots up to 5 Marlas in urban areas or 10 Marlas in rural regions must belong to Punjabi citizens. Online loan applications are available.
- Loan details: Easy monthly installments, a 7-year term, and a maximum loan amount of PKR 1.5 million are included.
- The government will pay for operating expenses, and funds will be released in installments.
What are the Eligibility Criteria?
- Based on NADRA records, the petitioner must be the head of the family.
- According to their CNIC, the applicant must be a permanent resident of Punjab.
- As of the date of their online application, the applicant must be the owner of a plot of land in Punjab that is up to 5 Marlas in urban areas or up to 10 Marlas in rural areas where they intend to build their home.
- The candidate should not have a history of major offenses or actions against the law or society.
- The candidate cannot have any outstanding debts to banks or financial institutions.
- The candidate needs to have a family PMT score of 60 or below and be registered with the National Socio-Economic Registry (NSER).
Apni Chat Apna Ghar Scheme Apply Online Pitb Portal
How to Apply for Apni Chhat Apna Ghar Scheme?
- Put your entire name here.
- Give your CNIC number.
- Enter your husband’s or father’s CNIC number.
- Indicate your sex.
- Give your email address.
- If your mobile number is ported, provide it here as well as the network provider.
- Choose your city, district, and division.
- For the registration procedure to be completed, create and verify your user password.
2- After registering, you will receive a certificate form, where you need to certify each category for further eligibility.
3- Once you have completed the second step, you can proceed with the application form. Eligible candidates who own plots and seek a loan for home construction can apply. Start by entering your general information, then attach the necessary documents and include any additional remarks before submitting the form.
Expected Outcomes
- Improved Living Conditions: Better housing for low-income families.
- Reduced Overcrowding: Decreased slum dwelling.
- Enhanced Amenities: Improved access to water, sanitation, and electricity.
- Community Benefits: Increased safety, security, and social cohesion.
- Economic Impact: The construction of 100,000 houses is expected to create approximately 500,000 jobs and boost the economy
