Apni Chhat Apna Ghar Scheme
Chief Minister Punjab Maryam Nawaz Sharif has launched the Apni Chhat Apna Ghar Scheme through which CM Punjab has announced that she will help all the people of Punjab who do not have their own house to build their own house by providing a loan of 15 lakh rupees.
This loan will be provided to those people who do not have money to build their own house. Chief Minister Punjab Maryam Nawaz says that the Apni Chhat Apna Ghar scheme is very close to my heart and I wish that all the people of Punjab have their own home. If you also do not have your own house, then you can get a loan of 15 lakh rupees from the Government of Punjab by registering in the Apni Chhat Apna Ghar scheme.
In this article, we will provide you with all the information about the 15 lakh loan scheme apart from the registration procedure in the Apni Chhat Apna Ghar Scheme provided by the Government of Punjab so stay connected with the article and read the article completely.
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Features and Benefits of the 15 Lakh Loan Scheme
With the 15 lakh loan scheme, you will be provided a loan of 15 lakh rupees by the Government of Punjab, which you can use for the construction of your house. The biggest advantage of this loan is that it is being provided to the loan-up in the form of monthly installments which you can easily pay back to the Punjab government for 7 years.
If monthly installments are made, this installment will be around 14500 rupees, which means you will have to pay an installment of 14500 rupees to the Punjab government every month. For your convenience, Punjab Chief Minister Maryam Nawaz Sharif has provided relief for the first two months’ installment. Apart from this, if you take advantage of the 15 lakh loan scheme, then the tax required for the construction of the house will also be waived by the Punjab government.
Maryam Nawaz Loan Scheme – District Quota Details and Application Steps
The loan that will be provided through the 15 lakh loan scheme will be interest-free and this loan will be provided to you in installments. As soon as the first installment is received, you can start the construction of your house. As soon as the construction of your house is completed, you will get the loan installment of 15 lakhs from the Punjab government.
Who Can Apply for the CM Punjab Loan Scheme?
The Punjab government has allocated special criteria to apply for the CM Punjab loan scheme. She has strictly announced that no 15 lakh loan will be provided to any unrelated person so every Punjab citizen should ensure that he submits his correct information to get the benefit of the 15 lakh loan scheme.
Eligible criteria required to apply for the Apni Chhat Apna Ghar Scheme are given below:
- You should belong to Punjab province.
- You should have 5 marla urban land or 10 marla rural land.
- You should not own your own home.
- You have not benefited from any other government scheme.
- You have not obtained a loan from any government institution or bank.
- Your monthly income should be more than 60 thousand rupees.
- You should have a domicile in the Punjab province.
- You should have a National Identity Card approved by the Government of Pakistan.
Documents Required for ACAG Registration
When you apply for the ACAG scheme provided by the Government of Punjab, you must have some documents for that. These documents are required at the time of app registration and some of these documents are also required by the Punjab government for app verification. If you provide any of your documents incorrectly, your application will not be accepted, which will not allow you to get a loan of 15 lakh rupees from the 15 lakh loan scheme provided by the Government of Punjab. Also, make sure you provide your documents correctly.
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Documents required for registration by ACAG Scheme are provided below:
- Proof of your property
- Proof of your monthly income
- Your family information
- Your property information
- Your National Identity Card approved by the Government of Pakistan
- Your Bank Details Like Bank Name, Bank Branch Name, and Bank Account Number
Step-by-Step Guide on Maryam Nawaz Loan Scheme Registration
The procedure of registration in the Maryam Nawaz Loan Scheme has been kept very simple by the Punjab government which can be easily implemented by a common citizen. To register first you have to complete your PSER survey after which you have to follow the steps mentioned below:
- Visit the official website of Apni Chhat Apna Ghar Scheme (https://acag.punjab.gov.pk/) in your device’s search engine.
- If you are a new user, click on the “Create New Account” button.
- Register your account using your Full Name, CNIC Number, Father’s Name, Father’s CNIC Number, Gender, Email, Mobile Number, Division, District, Tehsil, City, and Password.
- Login to the account using your CNIC number and password.
- Upon login, you will be shown a certificate. Read the information given in the certificates carefully and after agreeing with them, click on the “Proceed” button.
- After processing the application, you will be asked for your general information, including your profile Name e.g Father’s Name, CNIC Number, Father’s CNIC Number, Gender, Email Address, and Phone Number while providing your Bank Information e.g Bank Account, Bank Account Number, and Bank Branch Information in Bank Information Along with your life photo.
- After providing your general information upload the front side picture of your CNIC, backside picture of CNIC, and ownership documents of your property and click on the “Save and Next” button.
- Finally, you will be asked for your feedback. If you want to enter your feedback then enter otherwise click on submit button.
- After clicking the submit button your application will be successfully registered in Apni Chhat Apna Ghar Scheme.
- The balloting results will be announced on the date fixed by the Government of Punjab after which the first installment will be provided to you.
15 Lakh Loan Scheme District Wise Quota and Balloting Results
Chief Minister Punjab Maryam Nawaz has announced the balloting result of phase one of the Apni Chhat Apna Ghar scheme. These balloting results are announced district-wise, and each district was assigned a specific quota. The people who applied in this district were drawn and whose names appeared in the balloting, the first installment of the 15 lakh loan scheme has been provided by the Punjab government. Now the registration of Apni Chhat Apna Ghar Scheme phase two is going on. If you want to get benefits from Apni Chhat Apna Ghar Scheme then you have to register in phase two of Apni Chhat Apna Ghar Scheme.
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Frequently Ask Questions (FAQs)
What is the Apni Chhat Apna Ghar Scheme?
The scheme, launched by CM Punjab Maryam Nawaz Sharif, offers a 15 lakh rupee loan to citizens of Punjab to help them build their own homes.
Is the 15 Lakh Loan interest-free?
Yes, the 15 lakh loan provided by the Punjab government is interest-free, and you can repay it over 7 years.
What documents are required for registration?
You will need proof of property, income, family details, National Identity Card, and bank details.
Are there any tax benefits associated with this scheme?
Yes, the tax required for the construction of the house will be waived by the Punjab government.
How do I apply for the Apni Chhat Apna Ghar Scheme?
Visit the official website of ACAG, create an account, fill in the required information, upload your documents, and submit your application.
Final Thoughts on Apni Chhat Apna Ghar Scheme
The Government of Punjab has started the Apni Chhat Apna Ghar Scheme, through which you will be provided an interest-free loan of Rs 15 lakh. This loan will be provided to you for the construction of a personal house and you can repay this loan to the Punjab government by paying an amount of Rs 14500 per month for 7 years. For registration, the Punjab government has introduced the ACAG portal, by which you can complete your registration.
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For registration, you have to provide your required documents and bank details along with your personal information. After providing all the information you will be successfully registered in the ACAG scheme. After the registration is completed, you will be provided with the first installment of 15 lakh rupees through the balloting result on the date fixed by the Punjab government, which you can use for the construction of your house.