The Punjab government has introduced a new housing initiative known as the “Apna Ghar Apni Chat” scheme, targeting families who do not own a house and struggle to pay rent each month. This scheme allows eligible families to apply for their own home on more than 3 acres of land, where they can live permanently. Chief Minister Maryam Nawaz has launched this initiative to provide interest-free loans to help families build their own houses. In this article, we will guide you through the registration process and eligibility criteria for this scheme.
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Online Application for Apna Ghar Apni Chat Scheme 2024
The “Apna Ghar Apni Chat” scheme was officially launched by Punjab Chief Minister Maryam Nawaz on Wednesday. The program aims to provide 100,000 affordable homes across Punjab over the next four and a half years. With a streamlined application process, families can easily apply online for this scheme and benefit from affordable installment plans.
| Key Details | Information |
| Application Method | Online and Offline |
| Loan Amount | Up to 15 lakh rupees |
| Repayment Period | 7 years, interest-free |
| Monthly Installment | Rs. 14,000 |
To apply online, visit the official website https://acag.punjab.gov.pk/. Once there, click on the “Register” button, fill out the required information accurately, and submit your application. This process is designed to be user-friendly, ensuring that all eligible families can easily access the benefits of the scheme.
How to Apply for Apna Ghar Apni Chat Scheme Offline
For those who are unable to apply online, the Punjab government has provided an alternative method to apply via phone. Families can register for the scheme by calling the toll-free number 0800-09100. By contacting this number, applicants can receive all necessary information about the scheme and complete their registration over the phone. This option is particularly helpful for individuals who do not have access to the internet.
Eligibility Criteria for Apna Ghar Apni Chat Program
To qualify for the Apna Ghar Apni Chat scheme, applicants must meet the following criteria:
- Family Status: The applicant must be the head of their nuclear family according to NADRA records.
- Punjab Residency: The applicant must be a permanent resident of Punjab, as verified by their CNIC.
- Plot Ownership: The applicant must be the sole owner of a plot measuring 5 marlas or less in urban areas, or up to 10 marlas in rural areas, on the date of the application.
- Criminal Record: The applicant must have a clean criminal record with no history of anti-state activities or serious offenses.
Meeting these criteria is essential for securing an interest-free loan under this scheme.
Interest-Free Loans for Families Earning Less Than 60,000 Rs Monthly
The Apna Ghar Apni Chat scheme is designed to be affordable for low-income families. The program offers interest-free loans with a repayment period of seven years. Families are required to pay a maximum monthly installment of Rs. 14,000. There is also a grace period of three months, during which no payments are required. This arrangement ensures that families can manage their finances while paying for their new home.
How to Check Your Housing Scheme Status Online
After registering for the Apna Ghar Apni Chat scheme, applicants can check the status of their application online. To do this, contact the provided phone numbers (042-99213419 or 042-99213428) or send an email to [email protected]. These options allow applicants to stay informed about their application status and any additional steps they may need to take.
Conclusion
The Apna Ghar Apni Chat scheme is a significant opportunity for low-income families in Punjab to own a home without the financial burden of interest. With both online and offline application methods available, eligible families earning less than 60,000 Rs per month can easily apply and secure their future. This initiative reflects the Punjab government’s commitment to improving the living conditions of its citizens by making homeownership accessible to all.
Also Read: How to Apply for the Apna Ghar Apni Chat Scheme: Step-by-Step Guide for 2024
FAQs
1. Who can apply for the Apna Ghar Apni Chat scheme?
The scheme is open to low-income families who are permanent residents of Punjab, own a small plot of land, and have no criminal history.
2. What is the loan amount offered under this scheme?
The scheme offers interest-free loans of up to 15 lakh rupees for eligible applicants.
3. How can I check the status of my application?
You can check your application status by contacting the provided phone numbers or emailing the relevant authorities.