The Government of Punjab, under the leadership of Maryam Nawaz, has recently announced the winners of the e-balloting for the Apna Ghar Apni Chat Scheme. The scheme aims to provide interest-free loans to help residents of Punjab build their homes. During the official event, which started in Dera Ghazi Khan (DG Khan), Chief Minister Maryam Nawaz selected the first batch of winners who will receive loans ranging from Rs 12 lakh to Rs 15 lakh. These lucky winners will be able to start building their homes and repay the loans over a period of seven years without any interest.
Apna Ghar Apni Chat Scheme E-Balloting Results
The e-balloting for the Apna Ghar Apni Chat (AGAC) Scheme is a part of the government’s broader housing initiative aimed at helping the people of Punjab achieve affordable home ownership. The balloting is conducted to ensure transparency and fairness in selecting beneficiaries. Initially, the balloting took place in DG Khan, where the first set of 150 lucky winners were chosen. The loan distribution is set to commence on 15th September 2024.
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Key Details of the AGAC E-Balloting
- Date of Loan Distribution: 15th September 2024
- Loan Amounts: Rs 12 lakh, Rs 14 lakh, and Rs 15 lakh
- Repayment Period: 7 years (Interest-free)
This scheme, which is part of the government’s effort to support the middle-class population, ensures that those who qualify will have the financial means to construct a home without the burden of paying high interest on their loans.
CM’s Announcement: Loans to 150 Winners
In addition to the e-balloting announcement, Maryam Nawaz also emphasized that this initiative is a vital part of the government’s housing program, which seeks to ease the housing crisis in Punjab. The first batch of 150 winners is just the beginning, as the scheme will be rolled out across other regions in Punjab. The Chief Minister further confirmed that the loan recipients would start receiving their amounts in mid-September.
Loan Categories and Repayment Conditions
The Apna Ghar Apni Chat Scheme offers three distinct loan categories, based on the amount a beneficiary can borrow. The loans are distributed according to the individual’s need and plot size. Here is a quick summary of the loan categories and repayment terms:
| Loan Category | Amount | Repayment Period | Interest Rate |
|---|---|---|---|
| Category A | Rs 12 Lakh | 7 years | Interest-Free |
| Category B | Rs 14 Lakh | 7 years | Interest-Free |
| Category C | Rs 15 Lakh | 7 years | Interest-Free |
The loans are structured so that beneficiaries will not face any additional financial strain, as they are completely interest-free, and the repayment period is seven years.
Who Can Apply for the Apna Ghar Apni Chat Scheme?
While the balloting has already begun, new applicants can still apply for the Apna Ghar Apni Chat Scheme. Below are the main eligibility criteria for those interested in applying:
Eligibility Requirements
- NADRA Data: Applicants must be listed in NADRA’s data and part of a nuclear family.
- Permanent Residence: The applicant must reside permanently in Punjab.
- Plot Ownership: The applicant must be the sole owner of a plot in Punjab intended for home construction. The plot size must be 5 Marla or less in urban areas and up to 10 Marla in rural areas.
- Clean Legal Record: The applicant must not have any criminal convictions, particularly for violent crimes or anti-state activities.
These eligibility requirements ensure that only those genuinely in need of housing assistance are considered for the program.
How to Apply for the Apna Ghar Apni Chat Scheme
The application process for the Apna Ghar Apni Chat Scheme is straightforward and entirely online. Here are the steps to follow:
- Visit the Official Website: Go to acag.punjab.gov.pk and locate the registration button.
- Complete the Form: After clicking on the “Register” button, a new application form will appear. Fill out all the required fields accurately.
- Submit the Form: Once you have entered all the necessary details, click on the “Submit” button.
- Receive Confirmation: After successful registration, you will receive a confirmation, and your application will be processed.
The entire process is designed to be efficient and user-friendly, ensuring that applicants from all over Punjab can easily apply.
Why This Scheme Matters
The Apna Ghar Apni Chat Scheme is part of the government’s broader vision to provide affordable housing solutions to the people of Punjab. With the e-balloting results already announced, this program is set to significantly improve the lives of thousands of people who previously couldn’t afford to build their own homes. Maryam Nawaz’s leadership in launching this scheme highlights the government’s dedication to addressing the housing crisis in the province.
By offering interest-free loans and a convenient repayment plan, the program alleviates the financial burden typically associated with home construction. Additionally, the transparency of the e-balloting process reassures the public that this initiative is fair and free from favoritism.
Conclusion
The Apna Ghar Apni Chat Scheme is a groundbreaking initiative by the Punjab Government, offering a golden opportunity for people to own their homes without worrying about high interest rates. With loans ranging from Rs 12 lakh to Rs 15 lakh and a seven-year repayment period, this scheme empowers residents to secure housing for their families.
If you haven’t applied yet, now is the time to take advantage of this fantastic opportunity. The list of winners is already being announced, and if selected, you could be one of the lucky few to receive this life-changing financial assistance.
