The "Apni Chhat Apna Ghar" Program, launched by the Chief Minister of Punjab, aims to provide 100,000 affordable housing units to eligible residents across the province. This initiative is designed to improve living conditions for low-income individuals currently residing in rented accommodations or informal settings. The program is set to deliver these homes within four and a half years through three distinct execution models.

 

How the Apni Chhat Apna Ghar Program Works

 

Execution Model 1: State Land Development

·        Objective

To construct 10,000 housing units on state land through an equity-based land-sharing arrangement with developers.

·        Responsibilities

Developers are tasked with infrastructure development and housing construction, including roads and utilities. PHATA (Punjab Housing and Town Planning Agency) will provide initial land use plans and ensure adherence to design standards.

·        Financials

Developers will bear all infrastructure and construction costs. The government will set the price and payment plan for the housing units.

·        Approval

PHATA will approve layout and infrastructure plans and will develop trunk infrastructure for each site.

Execution Model 2: Affordable Private Housing Schemes

·        Objective

To develop 20,000 low-cost houses within private housing schemes approved by PHATA, ensuring at least 20% of the residential area is allocated for low-income families.

·        Process

Developers must comply with APHS Rules 2020. A one-window mechanism will facilitate approvals. PHATA will determine affordable house prices and sizes.

·        Payments

Allottees will make an initial down payment into an Escrow account, with the remaining balance paid in monthly installments over five years. PHATA will oversee the construction and monitor costs.

Execution Model 3: Interest-Free Loans

·        Objective

To provide interest-free loans for house construction. A revolving fund will be established for this purpose.

·        Eligibility

Punjab residents with plots up to 5 Marlas in urban areas or 10 Marlas in rural areas can apply for loans online.

·        Loan Details

The maximum loan amount is PKR 1.5 million, with a 7-year tenure and easy monthly installments. Funds will be disbursed in tranches, and the government will cover operational costs.

Eligibility Criteria

·        To apply for the Apni Chhat Apna Ghar Scheme, applicants must meet the following criteria:

·        Be the head of the family, as per NADRA records.

·        Be a permanent resident of Punjab, with proof of residency on their CNIC.

·        Own a plot of land up to 5 Marlas in urban areas or 10 Marlas in rural areas in Punjab as of the date of the online application.

·        Have no criminal record, including serious crimes or activities against the state or society.

·        Have no outstanding debts to any financial institution or bank.

·        Be registered with the National Socio-Economic Registry (NSER) with a household PMT score of 60 or less.

How to Apply for the Apni Chhat Apna Ghar Scheme

Chief Minister Maryam Nawaz inaugurated the online portal (acag.punjab.gov.pk), where citizens can apply for the program. For more information, citizens can call 0800-09100. Interested candidates can apply directly here: Apni Chhat Apna Ghar Scheme Application.