The Punjab government has approved Rs 62 billion for the Apni Chhat Apna Ghar Program Phase 2, which aims to provide interest-free loans to deserving families to build houses. The important decision was taken in a special meeting chaired by Chief Minister Maryam Nawaz Sharif, in which the target was set to provide loans to 40,000 families by May. Furthermore, she has ordered a review of the proposal to increase the loan amount from Rs1.5 million to Rs2 million.
Under this scheme, families who have 5 marla urban or 10 marla rural land but cannot build their house due to lack of financial resources will be provided interest-free loans. These loans can be repaid in easy installments, the monthly installment of which has been fixed at Rs14,000. For further convenience, the government has also waived off all taxes levied on the construction of houses, to reduce the financial burden on the deserving people.
To register for this program, applicants must register on the Apni Chhat Apna Ghar Program Phase 2 portal and submit their information and necessary documents. Applicants must be the head of the family as per NADRA records, be a permanent resident of Punjab, and be included in the NSER database. This scheme is a practical manifestation of the Punjab government’s commitment to providing homes to homeless families.
Key Highlights of the Apni Chhat Apna Ghar Program Phase 2 Approval
This initiative has set an ambitious target of distributing loans to 40,000 families by May. During the meeting, Chief Minister Maryam Nawaz Sharif directed the concerned departments to expedite the loan approval and disbursement processes. Furthermore, she proposed increasing the maximum loan amount from Rs. 1.5 million to Rs. 2 million, providing even greater financial relief to eligible families.
The program has already made significant progress, with over 5,000 citizens benefiting from loans and more than 4,200 houses nearing completion. This milestone demonstrates the government’s commitment to improving the living conditions of underprivileged families in Punjab.
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Objectives of the Apni Chhat Apna Ghar Program Phase 2
The primary goal of the Apni Chhat Apna Ghar Program Phase 2 is to provide interest-free loans for constructing houses. This initiative is part of the government’s broader vision to uplift low-income families by enabling them to own homes. Collaborating with organizations like RODA and Housing and Urban Development, the program also plans to offer ready-made houses to families who meet the criteria.
Maryam Nawaz Sharif has reiterated that having a home is the fundamental right of every citizen and has ensured that this scheme targets the most deserving individuals.
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Eligibility Criteria for Apni Chhat Apna Ghar Program Phase 2
To benefit from this Apni Chhat Apna Ghar Program Phase 2, applicants must meet the following conditions:
- Be registered as the primary family member in NADRA’s records.
- Be a permanent resident of Punjab as per their CNIC.
- Own a small piece of property, up to 5 marlas in urban areas or 10 marlas in rural areas, where the house will be constructed.
- Have no criminal record or history of loan defaults.
- Be listed in the NSER database with a PMT score of 60 or less.
These criteria ensure that the program benefits those who genuinely need support in building their homes.
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Registration Process for Apni Chhat Apna Ghar Program Phase 2
The registration process for the Apni Chhat Apna Ghar Program Phase 2 is straightforward. Interested applicants must visit the official ACAG portal and follow these steps:
- Register with their CNIC and basic information.
- Log in using their credentials to access the application form.
- Fill in personal details, property information, and socio-economic profile.
- Upload required documents, including ownership proof and CNIC copies.
Applicants must ensure the accuracy of their information, as incorrect details may lead to rejection. If the system shows an error related to the PMT score, applicants can visit the NSER office for registration and resolve the issue.
Loan Distribution and Repayment Details
Under the Apni Chhat Apna Ghar Program Phase 2, loans of up to Rs. 1.5 million are provided, with plans to increase this amount to Rs. 2 million. These loans are interest-free and repayable in easy monthly installments of Rs. 14,000 over a period of 7 years. The funds are disbursed in phases through the Bank of Punjab as the construction progresses.
To further support the beneficiaries, the Punjab government has waived all construction-related taxes, ensuring the process remains affordable for low-income families.
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Benefits of the Apni Chhat Apna Ghar Program Phase 2
The Apni Chhat Apna Ghar Program Phase 2 offers numerous benefits, including:
- Access to interest-free loans for house construction.
- An affordable repayment schedule tailored for middle-class families.
- Waived construction-related taxes, reducing financial burdens.
- A transparent process ensuring only deserving families are selected through balloting.
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FAQs About Apni Chhat Apna Ghar Program Phase 2
What is the Apni Chhat Apna Ghar Program Phase 2?
The program provides interest-free loans to deserving families in Punjab to help them construct houses on their land.
Who is eligible for the scheme?
Families in Punjab who own small plots (up to 5 marlas urban or 10 marlas rural) and meet socio-economic criteria are eligible.
What is the repayment plan for the loan?
The loan can be repaid in monthly installments of Rs. 14,000 over 7 years.
How can I apply for the scheme?
You can apply through the official ACAG portal by completing the online registration and submitting the required documents.
What additional benefits does the program offer?
The program offers waived construction taxes and interest-free loans, making homeownership more accessible for low-income families.
Conclusion
The Apni Chhat Apna Ghar Program Phase 2 is a game-changer for thousands of families in Punjab. By approving Rs. 62 billion for this initiative, the Punjab government has reaffirmed its commitment to uplifting the lives of the underprivileged.
Families are encouraged to seize this opportunity by registering through the ACAG portal and ensuring they meet the eligibility criteria. With interest-free loans and waived taxes, this program aims to provide every homeless citizen with the dignity of owning a home at acag.punjab.gov.pk after registering on the portal.