CM Punjab 15 Lakh Interest-Free Housing Loans
Punjab Chief Minister Maryam Nawaz Sharif has announced the registration in “Apni Chhat Apna Ghar” program. All those needy-peoples who want to get a loan of 15 lakh rupees from Punjab government and want to build their own house. They will be provided here with complete details on how you can apply for this scheme. What are the eligibility criteria for this scheme as this scheme is launched only for low income households of Punjab. Who cannot afford their own house due to financial difficulties.
Then you are eligible for this scheme, you will be given an interest free loan of 15 lakh rupees by the government of Pakistan. And you will repay this loan in a period of 7 years. No installment will be taken from you in the first 3 months. After that you have to pay monthly installment of 14000 rupees. As soon as your installment is completed, the house will be transferred to your name. Stay connected with us for complete details.
Eligibility Requirements for the Housing Loan
If you want to get an interest free loan of Rs 15 lakh from Chief Minister Punjab Maryam Nawaz then you have to fulfill the eligibility criteria of “Apni Chhat Apna Ghar” scheme. Only those who fulfill these conditions will be given Rs 15 lakh by the government. You can repay this amount in easy installments over 7 years, with a monthly payment of around Rs 14,000. Eligibility criteria are as follows:
- Your monthly income should be less than Rs 60,000.
- You should not be getting benefit from any other government scheme.
- You don’t have to own a home.
- Your income should be insufficient to meet your basic needs.
- You must not be a government employee.
- You must be over 18 years of age.
- You must be a resident of Punjab province.
- You must not engage in criminal activities.
- Your poverty score must be less than 30%.
How to Apply for 15 Lakh Loan through Registration Centers
The Punjab government firstly launched a portal acag.punjab.gov.pk for online registration in “Apni Chhat Apna Ghar Program”. However, many people, especially those who are poor and illiterate, found it difficult to register online. Punjab Chief Minister Maryam Nawaz Sharif has established registration offices in all districts of Punjab to deal with this problem. Anyone who wants to ensure their registration can visit their nearest registration office to complete the process.
If you are unsure about what documents are required for registration, this information is provided, and you can find out more by contacting the helpline. Simply take your documents and visit the nearest registration office to complete your registration. Registration centers have been established in districts like Bahawalpur, Mianwali, Lahore, Muzaffargarh, Rahim Yar Khan, Sialkot, Nankana Sahib, and Khanewal.
Also Read: Registration Camps Set Up In All Districts for “Apni Chhat Apna Ghar Scheme” – Apply Now!
Apni Chhat Apna Ghar Scheme Online Registration Via Portal
- Online Registration Option: If there is no registration office near you, you can register online. If you are uneducated, seek help from an educated person.
- Find the website: Find the official government website by searching on Google.
- Create an account:
- Enter basic information: name, ID number, mobile number, email, and password.
- Login: Use your ID card number and password to login.
- Complete the registration form: Fill all required information correctly.
- Upload a recent photograph of yourself and your land documents.
- Submit Form: After completing the form, submit it for review.
Required Documents
Here are the required documents for registration:
- Identity Card: Your National ID card.
- Mobile Number: Your current mobile phone number.
- Front and Back Photo of Your ID Card: Clear images of both sides of your ID card.
- Recent Passport-Size Photograph: A current photo of yourself.
- Email Address: Your active email address.
- Salary Slip: Proof of your income.
- Land Ownership Documents: Documents proving your ownership of land.
Apni Chhat Apna Ghar Scheme Latest Update
To benefit from the program, the applicant must meet the following criteria: Be a resident of Punjab, belong to a low-income family with an income of less than Rs 60,000, and not be a government employee. The applicant should also not own the house.
According to Maryam Nawaz, this program provides interest-free loans of up to Rs 15 lakh for the construction of houses of 1 to 5 marlas in urban areas or 1 to 10 marlas in rural areas. The loan is repayable over seven years, with no repayment required for the first three months. The maximum monthly installment is Rs 14,000.
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Maryam Nawaz explained that the installment amount has been fixed at Rs 14,000 to help people manage their monthly budget, meet children’s fees, pay utility bills and buy food and medicine.
The Apna Chhat Apna Ghar scheme aims to build more than 3,000 houses in each district, initially focusing on five major cities: Multan, Faisalabad, Sialkot, Sargodha and Rawalpindi. 5000 houses will be constructed near Raiwand Road in Lahore in the first phase.
“Conclusion”
The “Apni Chhat Apna Ghar” scheme launched by Punjab Chief Minister Maryam Nawaz Sharif aims to provide interest-free housing loans of up to Rs 15 lakh to low-income families in Punjab. Eligible applicants will get a housing loan, which will be repaid over seven years. The scheme includes a grace period of three months before repayment begins, with monthly installments set at Rs 14,000. The program is designed to help people who do not own their own house, earn less than Rs 60,000 per month, and are not government employees. With registration offices set up across Punjab and online registration option available, the scheme ensures accessibility to all eligible residents. Keep in mind the eligibility requirements and necessary documents to avail this opportunity.
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Frequently Asked Questions (FAQs)
What is “Apni Chat Apna Ghar” scheme?
The scheme provides interest-free housing loans of up to Rs 15 lakh to low-income families in Punjab for building houses.
What are the eligibility criteria for the loan?
- Monthly income should be less than Rs 60,000.
- Should not be receiving benefits from any other government scheme.
- Must not own the house.
- Income should be insufficient to meet basic needs.
- Must not be a government employee.
- Must be above 18 years of age.
- Must be resident of Punjab.
- Should not be involved in criminal activities.
- Poverty score should be less than 30%.
How can I apply for a loan?
You can apply by visiting one of the registration offices established in various districts of Punjab or by registering online through the official government website.
What documents are required for registration?
- National Identity Card
- Mobile no
- Front and back photo of ID card
- Recent passport size photograph
- E-mail address
- Pay slip
- Land ownership documents
What is the loan repayment plan?
The Interest-Free Housing Loans is repayable over seven years, with no repayment required for the first three months. After this period the monthly installment is Rs 14,000.
Where can I find registration centers?
Registration centers are located in districts like Bahawalpur, Mianwali, Lahore, Muzaffargarh, Rahim Yar Khan, Sialkot, Nankana Sahib, and Khanewal.
What if there is no registration office near me?
You can register online if there is no registration office nearby. If you need help with the online process, ask a qualified person for help.
What is the first phase of housing construction plan?
In the first phase, 5 thousand houses will be constructed near Raiwand Road in Lahore.