Apni Chhat Apna Ghar Scheme has been launched by the Chief Minister of Punjab, Maryam Nawaz Sharif, to facilitate the low-income class in 6 districts of Punjab Province, including
- Lahore
- Sialkot
- Multan
- Sargodha
- Faisalabad
- Rawalpindi
The scheme plans to provide 100,000 homes to eligible applicants at affordable cost. The scheme will deliver homes within four and half years following 3 Execution Models such as
- Execution Model – 1: Equity-Based Land Sharing
- Execution Model – 2: Affordable Housing Scheme Rule 2020 in Private Societies
- Execution Model – 3: Interest-Free Loan
At the commencement of the Apni Chhat Apna Ghar Scheme, 3,000 houses will be constructed in other districts and distributed without biases, whereas 5,000 homes are under construction adjacent to the Main Raiwind Road, in Lahore.
Each unit costs PKR 1.5 million. The Applicant will pay 40% of the total, whereas the Punjab government provides a 60% subsidy. Furthermore, to ease the financial burden, the Applicant will pay monthly installments PKR 26,000/- over 5 years.
Let’s learn more about the Apni Chhat Apna Ghar Scheme in detail.
How to Register at Apni Chhat Apna Ghar Scheme?
For the Apni Chhat Apna Ghar online registration form, the applicant will have to fill out the form including necessary information like;
- Full Name
- CNIC Number
- Relationship Status
- Father’s or Husband’s CNIC Number
- Gender
- SIM Network & Mobile Number
- Division
- District
- Tehsil
- City
How to Login in Apni Chhat Apna Ghar Scheme’s Portal?
Only applicants who register at the registration webpage of the Apni Chhat Apna Ghar Program can access the Apni Chhat Apna Ghar login portal. Once registered, the Applicant can log in at the Apni Chhat Apna Ghar Program Login Portal.
Down Payment for Apni Chhat Apna Ghar Scheme
An applicant must pay 40% of the total amount as the total price is PKR 1.5 million. Thus, the down payment is PKR 600,000/-.
- Down Payment: 40% (PKR 600,000/-) of the total amount
Monthly Instalment for Apni Chhat Apna Ghar Scheme
The monthly installment for the Apni Chhat Apna Ghar Scheme is PKR 26,000/-, which must be paid within 5 years to fulfill the 40% down payment.
- Monthly Instalment: PKR 26,000/-
Government Subsidy for Apni Chhat Apna Ghar Scheme
The Government of Punjab will pay the remaining 60% subsidy to the developers for the low-income class.
Government Subsidy: 60%
Apni Chhat Apna Ghar Scheme Initial Phase
In the first phase of this program, 5,000 houses are under construction on Main Raiwind Road, Lahore, and 3,000 homes will be built in other cities as well.
Apni Chhat Apna Ghar Scheme’s Vision
The Chief Minister of Punjab, Maryam Nawaz Sharif, envisions providing flexible installments for low-income people and ensuring that the quality of houses meets high standards.
In addition, to fulfill her vision, she ordered construction homes that would be durable, permanent, and stable. Moreover, the homes’ materials will be able to tackle ecosystem variations. Also, to accomplish the Apni Chhat Apna Ghar Scheme’s vision, sample homes will be built within 6 weeks to demonstrate the internal and external architecture of the houses for the gratification of recipients.
Apni Chhat Apna Ghar Scheme: Phases of Construction Plan
The scheme has 3 phases, including
- Execution Model – 1
- Execution Model – 2
- Execution Model – 3
Execution Mode – 1: Equity-Based Land Sharing
This model aims to facilitate the construction of apartments on state land by an equity-based land-sharing arrangement between Punjab Housing & Town Planning Agency and developers.
Tentative Housing Units
Tentative 10,000 housing units will be developed on state land by a land equity arrangement between PHATA and developers.
Developer’s Responsibility
The developers will build infrastructure such as utilities, roads, and amenities following PHATA’s design. Furthermore, the developers will adhere to PHATA’s structural and drawings of infrastructure and housing apartments.
PHATA’s Responsibility
The PHATA’s role is to provide infrastructure designs, drawings, construction materials, and specifications and guidelines. Moreover, the PHATA will provide a layout plan.
Government’s Role
The Government will determine each apartment’s price and installment Plan.
Execution Model – 2: Affordable Housing Scheme Rules (APHS) 2020 in Private Schemes
This model aims to allocate 20% or above of the residential area within a private housing scheme for low-income families and individuals. PHATA shall approve the developers’ Private Housing Schemes under the Affordable Private Housing Scheme (APHS) Rules 2020.
Developers' Responsibility
The developers will get approval for their private housing schemes under APHS Rules, 2020. In addition, the developers will provide affordable houses based on design, size, and price determined by the PHATA Agency.
Allottee Role
The allottee will pay the down payment fixed by the PHATA Agency to the developer through an Escrow Account. The allottee will make monthly installments to the developer over 5 years or as determined by the PHATA Agency. Once the down payment is made and the Government provides a subsidy of 1 million, the developer will give the allottee possession of the constructed units. PHATA will oversee the overall process.
Execution Model – 3: Interest-Free Loans
In this execution model, interest-free loans will be provided to construct homes.
Eligible Beneficiaries for Interest-Free Loan
- Only eligible candidates with 5 Marla plots in urban areas and 10 Marla in rural areas can apply for interest-free loans through ACAG’s website: acag.punjab.gov.pkonline portal.
- The maximum loan amount is 1.5 million.
- The tenure of the loan is 7 years with flexible monthly installments.
- The amount will be disbursed in tranches to recipients.
- The revolving fund will continue to revolve after receiving back installments of interest-free loans from the recipients.
- The Government of Punjab will pay sales tax and operational costs.
Eligibility Criteria for Apni Chhat Apna Ghar Scheme
- Applicant must be earning less than PKR 60,000/- per month
- Applicant must be the head of the family as per NADRA record.
- Applicant must be a permanent resident of Punjab as per CNIC.
- At the time of online application submission, the Applicant must be the sole landowner of 5 Marla or less in urban areas and 10 Marla in rural areas in Punjab.
- Applicant must have a non-criminal record.
- Applicant must not be a loan defaulter of any financial bank or institute.
District-Wise Quota of Loans
- Zone: Center
- PHATA Region: Bhakar and Faisalabad
- Districts: Bhakar
- Bhakar
- Bhakar
- Khushab
- Layyah
- Mianwali
- Muzaffargarh
- Bhakar
- PHATA Region: Faisalabad
- District:
- Chiniot
- Faisalabad
- Jhang
- Sargodha
- Toba Tek Singh
- Zone: North
- PHATA Region: Lahore & Rawalpindi
- Districts: Lahore
- Lahore
- Gujranwala
- Hafizabad
- Kasur
- Lahore
- Nankana
- Narowal
- Okara
- Pakpattan
- Sialkot
- Lahore
- PHATA Region: Rawalpindi
- Rawalpindi
- Attock
- Chakwal
- Gujrat
- Jhelum
- Mandi Bahuaddin
- Rawalpindi
- Rawalpindi
- Zone: South
- PHATA Regions: Bahawalpur & Multan
- District: Bahawalpur
- Bahawalpur
- Bahawalnagar
- Bahawalpur
- Rahim Yar Khan
- Bahawalpur
- PHATA Region: Multan
- District: Multan
- Multan
- DG Khan
- Khanewal
- Lodhran
- Multan
- Rajanpur
- Sahiwal
- Vehari
- Multan
Final Words
Apni Chhat Apna Ghar Scheme is the Government of the Punjab initiative. According to this scheme, 100,000 houses will be constructed in 6 districts of Punjab Province for the low-income class. The total cost of each apartment/home is 1.5 million. The down payment for each house is 1.5 million, and 40% of the 1.5 million will have to be paid in the initial phase. The remaining amount will be paid in easy installments within 5 years, and the monthly installment is PKR 26,000/-. To ease the financial burden, the Punjab Government will pay each Applicant a 60% subsidy.
If you earn less than PKR 60,000/-, have no criminal record, have 5 Marla plots in urban area or 10 Marla plots in rural area, and aren’t defaulter to any bank/institute, you are eligible for the Apni Chhat Apna Ghar Scheme.
Luxurious Marketing highly recommends acquiring your home/apartment with assistance from the Apni Chhat Apna Ghar Scheme.
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Waseem Ali, a communication studies specialist, holds foreign qualifications and works with us as a research writer. With numerous well-researched articles on real estate, his work is widely read and quoted. He enjoys philanthropy, hiking, and trying different cuisines.
