The “Apni Chhat Apna Ghar” housing scheme, launched by Punjab Chief Minister Maryam Nawaz, aims to provide affordable housing with convenient installment plans. This initiative will deliver 100,000 homes across Punjab over the next four and a half years. In this guide, we’ll explain how to apply for the scheme online, the eligibility criteria, and other essential details.
How to Apply Online
To register for the Apna Ghar Apni Chhat Scheme 2024, follow these steps:
- Visit the Official Website: Go to Apna Ghar Portal.
- Register: Click the “Register” button at the top left of the page.
- Complete the Form: Fill in the application form with accurate information.
- Submit: Click the “Register” button to finalize your registration.
For those who prefer offline methods, you can also apply via phone.
Apply Via Phone
To apply offline, call the official phone number: 0800-09100. This number provides information and assistance with the registration process.
Eligibility Criteria
To qualify for the Apna Ghar Apni Chhat Scheme, applicants must meet the following criteria:
- Residency: Must be a permanent resident of Punjab.
- Land Ownership: Must own land (up to 5 Marla in urban areas and 10 Marla in rural areas) where they intend to build the house.
- Criminal Record: Must have no criminal record.
- Loan Status: Must not be a defaulter of any financial institution.
- Income: Must be registered with the National Socio-Economic Registry (NSER) with a PMT score of 60 or less.
- Family Record: Must be the head of the family as per NADRA records.
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Quick Details
| Criteria | Details |
|---|---|
| Residency | Punjab resident |
| Land Ownership | Up to 5 Marla (urban), 10 Marla (rural) |
| Criminal Record | Must be clear |
| Loan Status | No existing defaults |
| Income | Registered with NSER, PMT score ≤ 60 |
| Family Record | Head of the family according to NADRA records |
Loan Repayment Details
The scheme offers interest-free loans, to be repaid over seven years. Monthly installments are capped at Rs 14,000, with no payments required for the first three months. This approach ensures that families can manage their finances more comfortably.
Conclusion
The CM Apna Ghar Apni Chhat Scheme provides a valuable opportunity for low-income families in Punjab to own a home without interest burdens. With straightforward online and offline application methods, eligible families earning less than Rs 60,000 monthly can secure their future through this initiative. For further queries or assistance, use the provided resources and contacts.