CM Punjab Apni Chhat Apna Ghar Project - Apply Online

 

Apni Chhat Apna Ghar Project: Providing Affordable Housing in Punjab

The Apni Chhat Apna Ghar Project is a visionary initiative launched by the Chief Minister of Punjab, Maryam Nawaz Sharif, aimed at addressing the housing needs of low-income families in the province. This ambitious scheme seeks to provide 100,000 affordable houses and apartments to eligible residents over a 4.5-year period, significantly contributing to the socio-economic upliftment of the region.

پنجاب حکومت کا “اپنی چھت اپنا گھر” منصوبہ کم آمدنی والے خاندانوں کے لیے ایک اہم اقدام ہے۔ اس منصوبے کا مقصد پنجاب کے رہائشیوں کو سستی اور معیاری رہائش فراہم کرنا ہے۔ اس سکیم کے تحت، حکومت سبسڈی والے نرخوں پر مکانات اور اپارٹمنٹس فراہم کرتی ہے، جس سے مستحق افراد آسان اقساط میں اپنے گھر کے مالک بن سکتے ہیں۔ اس منصوبے سے نہ صرف لوگوں کی زندگی کے معیار میں بہتری آئے گی بلکہ معاشی استحکام بھی حاصل ہوگا۔

Objectives of the Project

The primary objectives of the Apni Chhat Apna Ghar Project are:

·         Affordable Housing: To provide low-cost housing solutions to low-income families, ensuring they have a safe and secure place to live.

·         Economic Upliftment: To improve the living standards of the underprivileged by offering them the opportunity to own a home.

·         Inclusive Development: To promote social equity by making housing accessible to all segments of society, including workers and laborers.

Key Features

1.       Three Execution Models: The project operates through three distinct models:

·         Model 1: Utilizes state land through equity-based sharing between developers and the Punjab Housing and Town Planning Agency (PHATA).

·         Model 2: Focuses on low-cost housing development in private schemes approved under the Affordable Private Housing Schemes (APHS) Rules 2020.

·         Model 3: Provides financial assistance through a revolving fund for house construction, offering interest-free loans up to Rs. 1.5 million.

2.       Eligibility Criteria: The scheme is designed to benefit those most in need:

·         Applicants must be the head of their nuclear family, as recorded by NADRA.

·         Permanent residency in Punjab, evidenced by the applicant’s CNIC.

·         Ownership of a plot of land in Punjab where the house will be constructed (up to 5 marlas in urban areas and up to 10 marlas in rural areas).

·         No criminal history or default on any bank or financial institution.

·         Registration with the National Socio-Economic Registry (NSER) with a PMT score of 60 or less.

3.       Subsidized Housing Units: The project offers subsidized housing units with easy installment plans. Each apartment costs Rs. 1.5 million, but with a 60% government subsidy, beneficiaries only pay 40% of the amount, which can be paid in easy monthly installments over five years.

4.       Basic Amenities: The housing units are designed in collaboration with the Pakistan Council for Architects and Town Planners, ensuring they include essential amenities like water, electricity, and sanitation.

Impact on Beneficiaries

The Apni Chhat Apna Ghar Project has the potential to significantly impact the lives of low-income families in Punjab. Here are some of the anticipated benefits:

·         Homeownership: The scheme enables low-income families to own their homes, providing them with security and stability.

·         Improved Living Standards: Access to affordable housing improves the overall quality of life for beneficiaries, promoting better health and well-being.

·         Economic Stability: By reducing the financial burden of housing, the scheme allows families to allocate resources to other essential needs, contributing to their economic stability.

Success Stories

Since its launch, the Apni Chhat Apna Ghar Project has received positive feedback from beneficiaries. Many families have reported significant improvements in their living conditions and financial stability. The transparent and fair distribution process, facilitated by the Punjab Information Technology Board (PITB), has also been widely appreciated.

Eligibility Criteria :

The Apni Chhat Apna Ghar Project has specific eligibility criteria to ensure that the benefits reach those who need them the most. Here are the key requirements:

1.       Residency: The applicant must be a permanent resident of Punjab, as evidenced by their CNIC.

2.       Head of Family: The applicant must be the head of their nuclear family, as recorded by NADRA.

3.       Land Ownership: The applicant should own a plot of land in Punjab where they plan to construct their house. The size limits are:

·         Urban areas: Up to 5 marlas

·         Rural areas: Up to 10 marlas

1.       Income: The monthly household income should be Rs. 50,000 or less.

2.       No Criminal Record: The applicant must not have any criminal history, especially related to anti-state or anti-social activities.

3.       No Loan Defaults: The applicant should not be a defaulter of any bank or financial institution.

4.       NSER Registration: The applicant must be registered with the National Socio-Economic Registry (NSER) and have a PMT score of 60 or less.

5.       Age Limit: The applicant must be under 55 years old.

6.       Previous Benefits: The applicant should not have received any plot from the Punjab government before

These criteria ensure that the project benefits those most in need of housing support in Punjab. If you meet these criteria, you may be one step closer to building your dream home.

Steps to Apply:

1.       Visit the Official Portal: Go to the official website of the Apni Chhat Apna Ghar Project.

2.       Register Online: Sign up using your Computerized National Identity Card (CNIC) number. You will need to verify your number during the registration process.

3.       Fill Out the Application Form: Complete the online application form with accurate details, including your personal information, land ownership details, and income information.

4.       Attach Required Documents: Gather and upload necessary documents such as:

·         Copy of your CNIC

·         Proof of land ownership (Fard-e-Malakiat)

·         Proof of income (salary slips, bank statements, etc.)

·         Recent passport-sized photographs

·         Any other documents specified in the application form

1.       Submit the Application: After filling out the form and attaching the required documents, submit your application online.

2.       Verification Process: Your application will be reviewed and verified by the authorities. This may include checking your land ownership, income details, and other submitted documents.

3.       Approval and Allotment: Once approved, you will be notified. The housing unit will be allotted to you, and you will receive details about the payment plan and other relevant information.

Additional Tips:

·         Check Deadlines: Ensure you submit your application before the deadline mentioned on the portal.

·         Prepare for Verification: Be ready for any additional verification steps, such as site visits or interviews.

·         Seek Assistance: If you have any doubts or need help with the application process, contact the designated helpline or visit the nearest housing department office.

Conclusion

The Apni Chhat Apna Ghar Project is a commendable initiative by the Government of Punjab, aimed at providing affordable housing to low-income families. By offering subsidized housing units and easy installment plans, the project not only addresses the housing crisis but also promotes socio-economic development and improves living standards. As the project progresses, it holds the potential to make a lasting impact on the lives of many families in Punjab.