The Punjab government continues to prioritize the welfare of low-income families by advancing its affordable housing initiative, “Apni Chhat, Apna Ghar”. This groundbreaking program, launched under the directives of Chief Minister Maryam Nawaz Sharif, provides interest-free loans to help deserving individuals build or improve their homes. The program is a cornerstone of the provincial government’s commitment to social welfare and economic stability.
Cheque Distribution Marks Second Installment Release
On December 5, 2024, Provincial Minister for Housing and Urban Development Bilal Yasin led an on-ground assessment of the programme’s implementation in Lahore. During his visit, he distributed cheques for the second installment of loans to eligible beneficiaries. Among those who received assistance were:
- Muhammad Zahid Rasheed (Tehsil Wahga)
- Tanveer Siddiqui and Arsalan Saleem (Tehsil Shalimar)
The minister interacted with beneficiaries to gain insights into the loan acquisition process and address any concerns they had. His visits underscored the government’s transparent and merit-based approach to disbursing funds.
About the ‘Apni Chhat, Apna Ghar’ Programme
The “Apni Chhat, Apna Ghar” initiative aims to alleviate housing challenges faced by low-income families in Punjab. With its focus on transparency and accessibility, the programme provides financial assistance tailored to the needs of the underprivileged.
Key Features:
- Interest-Free Loans: Up to Rs. 1.5 million per household.
- Repayment Period: A flexible plan spanning five years.
- Eligibility: Families with limited income and verified need for housing assistance.
Chief Minister Maryam Nawaz Sharif envisions the program as a way to uplift underprivileged families and foster economic stability through secure housing solutions.
Impact and Expansion
The programme has set ambitious goals, with Director General Saif Anwar Jappa of the Punjab Housing and Town Planning Agency outlining plans to provide housing loans to 6,000 beneficiaries by the end of December 2024.
This phased distribution ensures that funds are allocated efficiently, avoiding bottlenecks or overcrowding at disbursement centers. By focusing on transparency, the initiative helps eligible families access funds seamlessly while promoting accountability in its execution.
Minister’s Commitment to Transparency
During the cheque distribution ceremony, Minister Bilal Yasin reiterated the government’s dedication to ensuring that the programme reaches only the most deserving candidates. He emphasized that the entire process, from loan applications to fund disbursements, is monitored to uphold merit and fairness.
“Providing interest-free loans under this program is not just about homes; it’s about dignity, stability, and an opportunity for families to secure a better future,” the minister stated.
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The Road Ahead
As the “Apni Chhat, Apna Ghar” programme progresses, its impact is becoming evident across Punjab. Beneficiaries have reported significant improvements in their living conditions, underscoring the importance of such initiatives in reducing poverty and fostering social equity.
The government remains committed to expanding the program to other districts, ensuring that more families benefit from this transformative initiative. Beneficiaries are encouraged to utilize the funds responsibly and adhere to repayment schedules to maintain the program’s sustainability.
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