Apply Online for Your Own House

Apply Online for Your Own House: Interest-Free Loans for Families Earning Less Than Rs 60,000

Exciting News for Punjab Residents: Own Your Home with Zero Interest Loans

If you’re a resident of Punjab and currently facing the challenge of high rent payments without owning a home, there’s good news for you. The Punjab Chief Minister has introduced the “Apna Ghar Apni Chhat Scheme,” offering an excellent opportunity to secure your own house on a plot of over 3 acres. This scheme provides interest-free loans to help families with a monthly income of less than 60,000 Rs build their own homes.

How to Apply Online for the Apna Ghar Apni Chhat Scheme 2024

The “Apna Ghar Apni Chhat” initiative, unveiled by Punjab Chief Minister Maryam Nawaz, aims to offer affordable housing solutions with convenient installment plans. This program will deliver 100,000 homes across the province over the next four and a half years.

To apply, you can use the PITB portal or contact the provided phone number for assistance.

Online Application Process

  1. Visit the official application website: https://acag.punjab.gov.pk/
  2. Click on the “Register” button located at the top left corner of the page.
  3. Complete the application form with accurate information.
  4. Submit the form by pressing the “Register” button.

This process is designed for those who prefer online applications. For those who need assistance, an offline application method is also available.

Offline Application via Phone

If you prefer to apply offline, you can contact the official helpline at:

0800-09100

This number provides all necessary information about the scheme and assists with the registration process.

Eligibility Criteria for the Apna Ghar Apni Chhat Scheme

To qualify for the interest-free loan, applicants must meet the following criteria:

  • The applicant must be the head of their household as per NADRA records.
  • The applicant must be a permanent resident of Punjab, as indicated on their CNIC.
  • The applicant must own a parcel of land measuring up to 5 Marla in urban areas or up to 10 Marla in rural areas in Punjab, where they plan to build their house.
  • The applicant must have a clean criminal record.
  • The applicant should not be a defaulter on any existing loans or financial obligations.
  • The applicant must be registered with the National Socio-Economic Registry (NSER) with a PMT score of 60 or less.

Interest-Free Loans for Families with Monthly Income Less Than 60,000 Rs

Maryam Nawaz has announced that the loans will be repaid over a period of seven years. The maximum monthly installment is set at Rs14,000, with no payments required for the first three months. This structure is designed to help families manage their finances more effectively, covering essential expenses like food, medicine, utilities, and school fees.

Conclusion

The CM Apna Ghar Apni Chhat Scheme represents a significant opportunity for low-income families in Punjab to achieve homeownership without the burden of interest. With both online and offline application options available, eligible families earning less than 60,000 Rs can easily apply and secure a stable future for themselves.