The Punjab government has introduced a new housing initiative called the ‘Apna Ghar’ scheme to help low-income families build their own homes. This program is designed to assist those who have land but lack the financial resources to construct a house. The government has set up special facilitation desks in various offices across Punjab to make the application process easy and accessible. These desks are located in the offices of deputy commissioners, assistant commissioners, and the Punjab Housing and Town Planning Agency (PHATA).
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Easy Access to Applications
The Punjab government has taken several steps to ensure that applying for the ‘Apna Ghar’ scheme is straightforward. Facilitation desks have been established in the offices of deputy commissioners, assistant commissioners, and PHATA. These desks help applicants fill out their forms and submit them without any hassle. If someone doesn’t have access to the internet or other facilities, they can visit these desks in person to get help with their application. The government has emphasized that there are no charges for submitting an application, making it accessible to everyone.
High Demand for the Scheme
The response to the ‘Apna Ghar’ scheme has been overwhelming. According to PHATA Director General Saif Anwar Jappa, over 5,000 applications were received within just two days across Punjab, including in Rawalpindi. The facilitation desks will continue to accept applications for the next eight to ten days. After the application period ends, a balloting process will be conducted to select the successful applicants. These selected individuals will receive a loan of Rs 1.5 million with zero interest to construct their homes.
| Feature | Details |
| Loan Amount | Rs 1.5 million |
| Interest Rate | Zero interest |
| Repayment Period | 7 years |
| Application Charges | None |
Eligibility Criteria
- Families with a monthly income below Rs 60,000
- Ownership of land (up to 5 marlas in urban areas or 10 marlas in rural areas)
- No application fee or hidden costs
Government Support
The Punjab government is not only providing financial support but also helping with the design and infrastructure. The house designs will be created in collaboration with the Punjab government and the Pakistan Council for Architects and Town Planners. These designs will ensure that the houses are well-planned and meet the basic living standards. Additionally, the government will ensure that basic amenities like water, electricity, and sanitation are available in these houses, making them livable from day one.
Loan Repayment Made Easy
One of the most attractive features of the ‘Apna Ghar’ scheme is the easy repayment plan. The loan provided to the selected families will be repaid over seven years with zero interest. This means that families can focus on building their homes without worrying about high interest rates. The government has designed this scheme to ensure that even low-income families can manage the repayment without financial stress.
Conclusion
The ‘Apna Ghar’ scheme is a significant step by the Punjab government to help low-income families achieve their dream of owning a home. With easy access to applications, overwhelming demand, clear eligibility criteria, government support, and a manageable repayment plan, this scheme is poised to make a real difference in the lives of many. It provides not just financial aid but also the necessary infrastructure and support to ensure that these houses are more than just structures. They become homes for families in need.
Also Read: Overview of PITB Punjab Information Technology Board Portal 2024
FAQs
Who can apply for the ‘Apna Ghar’ scheme?
Families with a monthly income of less than Rs 60,000 who own land (up to 5 marlas in urban areas or 10 marlas in rural areas) can apply.
What is the loan amount and interest rate?
The loan amount is Rs 1.5 million with zero interest.
How can I submit my application?
You can submit your application online or visit the facilitation desks set up in the offices of deputy commissioners, assistant commissioners, and PHATA.
Is there any fee to apply for the scheme?
No, there are no application fees or hidden costs associated with applying for the ‘Apna Ghar’ scheme.