CM Punjab: Rs. 15 Lakh Loan Approved for 3-Marla Plots in Punjab

Affordable housing has become a pressing need in Pakistan, and the Punjab Government has taken a transformative step with its Apni Chhat Apna Ghar Scheme. This groundbreaking initiative provides Rs. 15 lakh loans to help individuals build homes, especially on three-marla plots, ensuring even those with smaller plots can realize their dream of owning a house. Let’s dive into the details of this initiative, the application process, and why it’s a game-changer for Punjab residents.

What Is the Apni Chhat Apna Ghar Scheme?

The Apni Chhat Apna Ghar Scheme aims to empower low-income families to construct their own homes through affordable, interest-free loans. Initially targeted at five-marla urban and ten-marla rural plots, the program has now been extended to three-marla plots, addressing the unique needs of areas like Chishtian.

Key Features of the Scheme

This program offers several benefits designed to make housing accessible for all:

• Loan Amount: Rs. 15 lakh for building a house.
• Affordable Repayments: A manageable monthly installment of Rs. 14,000.
• Interest-Free Loan Option: An additional Rs. 1 lakh interest-free loan available for eligible applicants.
• Inclusive Criteria: Recently revised to accommodate three-marla plot owners in Chishtian, benefitting 666 families initially.

How Chishtian Residents Benefit

The decision to include three-marla plots stems from the region’s demographic realities. The original requirement for a five-marla plot excluded a significant number of potential beneficiaries. Addressing this, Punjab Chief Minister Maryam Nawaz Sharif approved the revised policy, which has already enabled the approval of loans for the construction of 666 houses in Chishtian.

Step-by-Step Guide to Apply

Eligible individuals can easily apply online for the Apni Chhat Apna Ghar Scheme:

1. Visit the Official Website: Go to acag.punjab.gov.pk.
2. Register: Click the “Register” button.
3. Fill Out the Form: Provide required details, including personal and plot-related information.
4. Submit Your Application: Enter the lottery process for loan eligibility.
5. Wait for the Results: If selected, you’ll receive an interest-free loan of Rs. 15 lakh.

Why This Scheme Matters

The housing crisis in Pakistan disproportionately affects low-income families. With initiatives like the Apni Chhat Apna Ghar Scheme, the government is not just constructing homes—it’s building futures. The inclusion of three-marla plots reflects a commitment to inclusivity, ensuring even small plot owners can benefit.

Conclusion

The Apni Chhat Apna Ghar Scheme is more than a housing program—it’s a lifeline for thousands of families in Punjab. By making loans accessible, affordable, and interest-free, this initiative paves the way for a brighter, more secure future. If you own a small plot and dream of building your home, this is your moment. Visit the official website today, register, and take the first step toward owning your dream house.