Apna Ghar Apni Chat Program Details and Eligibility Criteria – September 23, 2024

Apna Ghar Apni Chat Program Details

The Apna Ghar Apni Chat program is a housing initiative by the Punjab government, targeting low-income families. The program, spearheaded by CM Maryam Nawaz, aims to provide 500,000 affordable homes over five years. Applicants can secure interest-free loans of up to PKR 1.5 million, with monthly installments of PKR 14,000 for up to nine years. Rural applicants can apply for homes of up to 10 marlas, while urban applicants can receive homes of up to 5 marlas. For major cities, four-story flats will be built on government land, allocated via a lottery system.

The eligibility is designed for those with lower financial resources, and the income scrutiny process is streamlined to make applications easier for vulnerable families.

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CM Attends 15th Cabinet Meeting – Important Decisions!

During the 15th Cabinet Meeting chaired by CM Maryam Nawaz in Lahore, crucial decisions were made regarding the housing scheme. The Apna Ghar Apni Chat program was officially approved, alongside the provision of 1 million PKR subsidies per house for those eligible. The loans are structured with a revolving fund, ensuring no extra fees are imposed on applicants. The government also emphasized creating ease for citizens by simplifying the scrutiny process for housing loans.

وزیراعلیٰ کی کابینہ کے 15ویں اجلاس میں شرکت – اہم فیصلے!

لاہور میں وزیراعلیٰ مریم نواز کی زیر صدارت کابینہ کے 15ویں اجلاس میں ہاؤسنگ اسکیم سے متعلق اہم فیصلے کیے گئے۔ اپنا گھر اپنی چیٹ پروگرام کو باضابطہ طور پر منظور کیا گیا تھا، اس کے ساتھ ساتھ اہل افراد کے لیے فی گھر 10 لاکھ PKR سبسڈی کی فراہمی تھی۔ قرضوں کا ڈھانچہ گھومنے والے فنڈ کے ساتھ بنایا گیا ہے، اس بات کو یقینی بناتے ہوئے کہ درخواست دہندگان پر کوئی اضافی فیس نہیں لگائی جائے۔ حکومت نے ہاؤسنگ لون کے لیے جانچ پڑتال کے عمل کو آسان بنا کر شہریوں کے لیے آسانی پیدا کرنے پر بھی زور دیا۔

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500,000 Houses to Be Distributed in 5 Years

Under this scheme, 500,000 houses will be constructed and distributed over five years. These homes will be available across both urban and rural areas of Punjab, with specific emphasis on providing homes to economically challenged families. The project includes constructing apartments in high-demand locations such as Raiwind Road in Lahore.

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Details on AGAC Eligibility Criteria

The eligibility for the Apna Ghar Apni Chat program is based on income levels, social standing, and economic background. Applicants must present a CNIC and proof of plot ownership if applying for loans. Additionally, applicants in rural and urban regions must adhere to the maximum area restrictions of 10 and 5 marlas, respectively. Those applying for flats in cities like Lahore will be entered into a lottery system.

اہلیت کے معیار پر تفصیلات

اپنا گھر اپنی چیٹ پروگرام کے لیے اہلیت آمدنی کی سطح، سماجی حیثیت اور معاشی پس منظر پر مبنی ہے۔ درخواست دہندگان کو قرض کے لیے درخواست دینے پر CNIC اور پلاٹ کی ملکیت کا ثبوت پیش کرنا چاہیے۔ مزید برآں، دیہی اور شہری علاقوں میں درخواست دہندگان کو بالترتیب 10 اور 5 مرلہ کی زیادہ سے زیادہ رقبہ کی پابندیوں پر عمل کرنا چاہیے۔ لاہور جیسے شہروں میں فلیٹس کے لیے درخواست دینے والوں کو لاٹری سسٹم میں داخل کیا جائے گا۔

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Punjab Govt Providing Subsidy of 1 Million for Each House

One of the significant features of this scheme is the subsidy of PKR 1 million provided by the Punjab government. This subsidy helps lower-income families afford housing in both rural and urban areas. The funds are managed through a revolving fund, ensuring continuous support to new applicants over the five-year span.

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Creating Thousands of Jobs for Unemployed Workers

Alongside providing affordable homes, this initiative is also set to create thousands of jobs across Punjab. The construction of half a million houses will require significant labor, providing employment to thousands of construction workers, engineers, and support staff across the province.

بے روزگار کارکنوں کے لیے ہزاروں نوکریاں پیدا کرنا

سستے گھر فراہم کرنے کے ساتھ ساتھ، یہ اقدام پنجاب بھر میں ہزاروں ملازمتیں پیدا کرنے کے لیے بھی تیار ہے۔ نصف ملین گھروں کی تعمیر کے لیے خاصی محنت کی ضرورت ہوگی، جس سے صوبے بھر میں ہزاروں تعمیراتی کارکنوں، انجینئروں اور معاون عملے کو روزگار ملے گا۔

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Conclusion

The Apna Ghar Apni Chat scheme is an ambitious project aimed at reducing homelessness and improving living standards across Punjab. With the Punjab government offering interest-free loans, generous subsidies, and simplified processes, it is expected to benefit many low-income families. In addition to providing homes, the project will also significantly boost employment in the region.

Read More: More Information on AGAC

FAQs

What is the Apna Ghar Apni Chat program? It is a housing initiative providing affordable homes for low-income families in Punjab.

Who is eligible for the AGAC program? Families with limited financial resources who meet specific income criteria are eligible.

How can I apply for the Apna Ghar Apni Chat scheme? You can apply by submitting a CNIC and proof of plot ownership at designated centers.

What are the loan details under this program? Loans of up to PKR 1.5 million are provided with easy installments over nine years.

Is the loan interest-free? Yes, the loan provided under this scheme is interest-free.

What kind of homes are available? Rural applicants can apply for houses of up to 10 marlas, while urban applicants can get houses of up to 5 marlas.

What is the repayment structure for the loan? The loan is repayable in monthly installments of PKR 14,000.

What is the role of the Punjab government in this scheme? The government provides subsidies and manages the loans through a revolving fund.

How will homes be allocated in major cities? Homes will be allocated through a lottery system in cities like Lahore.

Will this scheme create jobs? Yes, the construction of 500,000 houses is expected to generate thousands of jobs in Punjab.

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