Apni Chhat Apna Ghar Scheme: How to Apply for Loan?

Punjab Chief Minister Maryam Nawaz Sharif recently launched a program known as “Apni Chhat Apna Ghar,” which aims to provide affordable housing and low-cost loans to people in the province of Punjab.

These steps look toward covering thousands of families in giving them a chance to have their own homes at a fraction of the market cost. Here’s a comprehensive guide on how to apply to this program.

How to Apply for Apni Chhat Apna Ghar Scheme?

Step 1: Understand the Program

Before applying, it’s imperative to know what is being offered under “Apni Chhat Apna Ghar”:

Affordable Housing: Over 3,000 homes are to be constructed in each district with an emphasis on five major cities: Multan, Faisalabad, Sialkot, Sargodha, and Rawalpindi. In Lahore, plans are made to construct 5,000 homes near Raiwind Road in Phase-I.

Cost and Financing: The cost of each apartment is Rs. 1.5 million, but owing to a government subsidy of 60%, the applicants have a burden of only 40%. The remaining amount may be paid back in the form of easy monthly instalments of Rs. 26,000 in five years. Landless contracts will be given interest-free loans for house construction to 70,000 families.

Step 2: Online Registration through Official Portal

PITB is working on an online portal for the “Apni Chhat Apna Ghar” project. Following are the steps to register online:

Visit the Portal: Users will have to visit acag.punjab.gov.pk.

Download and complete the citizen registration form.: Fill in your full name, CNIC number, your father’s or husband’s CNIC number, gender, email address, mobile number (along with network provider details in case of the ported number), and location with division, district, and city.

Generate a Password: Please provide a password and confirm it to complete the registration.

Step 3: Review Your Eligibility

On successful registration, a form of certificate is issued to you to confirm eligibility. This is the bit where you have to confirm you are really eligible for the program. Have all information here be true and complete.

Step 4: Application Form

Basic Details: Complete the form with all basic details and plot details if you are applying for a home loan to build a house.

Document Upload Section: You need to upload all the documents which are required on the portal.
Submit Additional Comments If there may be special circumstances or additional information that would support your application, use the comments section.

Submit and Track Your Application: Once you have filled in your application, apply through the portal. You are at liberty to track your application’s status online so that you remain behind all that goes on in this process.

Seek Help If you Need It

In case of problems or for more details, one can call 0800-09100 to reach the centre. The officers will help you if you have any questions or face any problems in applying.

Conclusion

The “Apni Chhat Apna Ghar” scheme is an excellent opportunity for the people of Punjab because, in the real sense, housing would turn out to be quite affordable. Move on to apply for this program in the following ways and make that gigantic step toward home ownership. Do not let this opportunity pass without changing your living conditions and investing in the future of your family.