Are you fed up with renting a house? Are you convinced that home ownership is out of reach? Well, stop waiting! Chief Minister Maryam Nawaz has introduced game-changing housing projects that will allow thousands of families in Punjab to own their own homes. These types of programs, often referred to as “Apni Chhat, Apna Ghar,” “Apni Zameen, Apna Ghar” and many more, are targeted specifically to provide affordable and accessible housing for low-income citizens in Punjab. The nightmare of high rent is over, and you can own your own home!
Key Features of the Scheme
The CM Punjab’s housing program is not only about housing, but an entire package to help you build a brighter future. Below are some of the unique features:
- Affordable Housing: The scheme offers loans and interest-free loans with subsidies so that everybody can have housing, especially low-income households.
- Convenience of Payments: The payments are scheduled with flexible terms for manageable monthly payments over a number of years.
- Commendable Support for the Needy: The program will prioritize already vulnerable groups such as widows, children without parents, or differently-abled individuals to make sure we are assisting the most needy.
- Transparent: The entire process, from application to plot/loan allotment, will be using a transparent system in handling requests to mitigate corruption.
Also Read: Payment Structure of Punjab E-Taxi Program
Eligibility Criteria
To make sure that the benefits reach the right people, some standards have been designed. You can apply if you meet the following conditions:
- You are a permanent resident of Punjab as per your CNIC.
- You or your family (spouse and dependent children) do not own a house or a plot in Pakistan.
- You do not have a criminal record and are not a loan defaulter.
- Your household income is less than PKR 50,000 per month.
Eligibility Details
| Criteria | “Apni Chhat, Apna Ghar” (Loan) | “Apni Zameen, Apna Ghar” (Free Plot) |
| Applicant Status | Head of a nuclear family | Head of a nuclear family |
| Land Ownership | Must own a plot (up to 5 Marla in urban areas or 10 Marla in rural areas) | Must not own any property in Pakistan |
| Socio-Economic Score | Registered with NSER with a PMT score of 60 or below | Registered with NSER with a PMT score of 60 or below |
| Loan Amount | Up to PKR 1.5 million (interest-free) | Not applicable (but can apply for a construction loan) |
