The Apni Chat Apna Ghar Scheme, launched by Punjab Chief Minister Maryam Nawaz, is a transformative housing initiative that aims to make homeownership accessible for middle and low-income families across Punjab.
In this scheme, the Punjab government is addressing the housing crisis by providing easy, interest-free loans, and even free plots to those who need them the most.
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This article will guide you through every aspect of this scheme, from eligibility criteria to the application process, and how to apply online, along with detailed information in both English and Urdu to ensure the process is as clear and understandable as possible.
What is the Apni Chat Apna Ghar Scheme?
The Apni Chat Apna Ghar Scheme is designed to help low-income and middle-class families in Punjab become homeowners. The scheme provides affordable housing solutions through interest-free loans and the distribution of free residential plots. The goal is to support individuals who have land but lack the resources to build their own homes.
Key Features of the Apni Chat Apna Ghar Scheme
| Feature | Details |
| Loan Amount | PKR 1.5 million |
| Interest Rate | 0% (Interest-Free) |
| Monthly Repayment | PKR 14,000 over 7 years |
| Eligibility Criteria | Low-income families, widows, disabled persons |
| Down Payment | 40% by beneficiary, 60% government subsidy |
| Scheme Coverage | Multiple districts across Punjab |
| Online Application | Available via official portals |
Eligibility Criteria
To be eligible for the Apni Chat Apna Ghar Scheme, applicants must meet the following requirements.
- Residency: Must be a permanent resident of Punjab (based on CNIC).
- Land Ownership: Must own a plot of land in Punjab (1-5 Marla in urban areas and 1-10 Marla in rural areas).
- Income: Monthly income must not exceed PKR 50,000.
- Criminal Record: Must have a clean criminal record.
- NSER Verification: Must be registered in the National Socio-Economic Registry (NSER) with a PMT score of 60 or less.
- Head of Family: Applicant must be the head of a nuclear family, verified through NADRA.
اہلیت کا معیار آپ کو اس سکیم کے لیے درخواست دینے کے لیے درج ذیل شرائط کو پورا کرنا ہوگا
- پنجاب میں مستقل رہائشی ہونا ضروری ہے۔
- مناسب زمین کا مالک ہونا ضروری ہے (1 سے 5 مرلہ شہری علاقوں میں اور 1 سے 10 مرلہ دیہی علاقوں میں)۔
- ماہانہ آمدنی 50,000 روپے سے زیادہ نہ ہو۔
- مجرمانہ ریکارڈ نہ ہو۔
- NADRA کے ذریعے فیملی ہیڈ کی تصدیق۔
- NSER میں اندراج اور PMT اسکور 60 یا کم ہو۔
How to Apply for the Apni Chat Apna Ghar Scheme?
Applying for the Apni Chat Apna Ghar Scheme is easy and can be done online or offline. Below is the step-by-step guide:
1. Online Application Process
To apply for the scheme online, follow these steps:
- Visit the Official Portal
Go to the official website: www.acag.punjab.gov.pk - Register for an Account
Sign up by filling in your CNIC, full name, contact details, and create a secure password. - Fill in the Application Form
After logging in, complete the application form by entering your personal details, family details, and land ownership information. - Upload Required Documents
You will need to upload scanned copies of your CNIC, proof of land ownership, and income documents. - Submit the Application
After reviewing your information, submit the application. You will receive a confirmation message with your registration status.
آن لائن درخواست دینے کے طریقہ کار
اس سکیم کے لیے درخواست دینے کے لیے آپ کو درج ذیل مراحل پر عمل کرنا ہوگا:
- آفیشل ویب سائٹ پر جائیں: www.acag.punjab.gov.pk
- رجسٹریشن کریں: اپنے سی این آئی سی، مکمل نام، رابطہ تفصیلات فراہم کریں اور ایک محفوظ پاس ورڈ بنائیں۔
- درخواست فارم پر کریں: تمام ضروری تفصیلات مکمل کریں۔
- ضروری دستاویزات اپ لوڈ کریں: سی این آئی سی، زمین کے مالک ہونے کا ثبوت اور آمدنی کی دستاویزات اپ لوڈ کریں۔
- درخواست جمع کرائیں: تمام تفصیلات کو درست کر کے درخواست جمع کرائیں۔
2. Offline Application Process
If you don’t have internet access, you can also apply in person:
- Visit the Deputy Commissioner (DC) Office in your district.
- Provide all required documents, including CNIC and land ownership proof.
- The DC office staff will help you fill out the application form.
آف لائن درخواست دینے کے طریقہ کار
اگر آپ کے پاس انٹرنیٹ کی سہولت نہیں ہے تو آپ ڈپٹی کمشنر کے دفتر جا کر درخواست دے سکتے ہیں۔
Important Documents Required
To apply for the scheme, you will need the following documents:
- CNIC (Applicant and Spouse)
- Proof of Punjab Residency (Domicile or Utility Bill)
- NADRA Family Registration Certificate
- Income Proof (Salary Slip, Business Proof, etc.)
- Land Ownership Proof (Property Documents or Lease Agreement)
- NSER Verification (PMT ≤ 60)
ضروری دستاویزات
- سی این آئی سی (درخواست دہندہ اور شریک حیات)
- پنجاب میں رہائش کے ثبوت (ڈومیسائل یا یوٹیلٹی بل)
- فیملی رجسٹریشن سرٹیفکیٹ
- آمدنی کے ثبوت (تنخواہ کا سلیپ، کاروباری ثبوت)
- زمین کے مالک ہونے کا ثبوت
Apni Chat Apna Ghar Loan Scheme Details
Those who are eligible for the Apni Chat Apna Ghar Scheme can also apply for an interest-free construction loan.
- Loan Amount: Up to PKR 1.5 million
- Monthly Installment: PKR 14,000
- Loan Tenure: 7 years
- Grace Period: 3 months before the first payment
- Disbursement: In installments based on construction milestones
قرض کی تفصیلات
- قرض کی رقم: 1.5 ملین روپے تک
- ماہانہ قسط: 14,000 روپے
- قرض کی مدت: 7 سال
- گریس پیریڈ: 3 ماہ
Frequently Asked Questions (FAQs)
What is the Apni Chat Apna Ghar Scheme?
It is a government initiative that provides interest-free loans and free plots to eligible families in Punjab to help them build homes.
How can I apply for the scheme?
You can apply online through the official portal or offline at your district’s Deputy Commissioner office.
What documents are required to apply?
You will need your CNIC, proof of residency, income details, and land ownership documents.
What is the loan amount offered?
The scheme offers a loan of up to PKR 1.5 million for home construction.
Is there a grace period for repayment?
Yes, there is a 3-month grace period before repayments begin.
Can I apply for both Apni Chat Apna Ghar and Apni Zameen Apna Ghar?
Yes, you can apply for both schemes if you meet the eligibility criteria.
What is the eligibility criteria for the scheme?
You must be a permanent resident of Punjab, have land but lack the resources to build a house, and meet income and family status requirements.
Conclusion
The Apni Chat Apna Ghar Scheme is a new and life-changing initiative for low-income families in Punjab with interest-free loans, free plots, and easy-to-follow application processes, this scheme provides a golden opportunity for those who dream of homeownership but have been held back due to financial constraints.
اگر آپ اس سکیم کے اہل ہیں تو آپ کو یہ موقع ضائع نہیں کرنا چاہیے۔ درخواست دیں اور اپنے خوابوں کا گھر حاصل کریں۔
For more information and to apply, visit the official website: Apni Chat Apna Ghar Portal.