Introduction of the Program – Apni Chhat Apna Ghar Program

“Apni Chhat Apna Ghar Program” Chief Minister Punjab Maryam Nawaz ka aik historic initiative hai jiska maqsad hai ke Punjab ke low-income logon ko apna ghar diya jaye. Ye program khas tor par un logon ke liye banaya gaya hai jo kiraye ke makaanon mein rehtay hain ya informal areas mein zindagi guzar rahay hain. Scheme ka aim hai 4.5 saal mein 100,000 ghar banana.

Message from the Chief Minister Maryam Nawaz

Maryam Nawaz ka kehna hai:

“Apna ghar sirf deewar aur chhat ka naam nahi, balkay ek khwab, ek aman ka ehsas, aur behtareen mustaqbil ki neev hai. Har shehri ka haq hai ke uske paas aik safe aur respectable rehaish ho.”

Maryam Nawaz Sharif ne Apni Chhat Apna Ghar Program ko sirf aik political campaign nahi banaya — balkay isay awam ka haq aur izzat samajh kar design kiya gaya hai. Unka yeh mission hai ke ghareeb, middle class, aur mazdoor tabqay ke log jo aaj tak kiraye ke makaan mein rehtay aaye hain, unko un ka apna ghar milay.

Unka Peghaam aur Kaam Karne Ka Tareeqa:

• Program ko transparent aur corruption-free banaya gaya hai.
• Har level par digital verification aur cross-checking system introduce kiya gaya hai.
• PHATA (Punjab Housing & Town Planning Agency), reputed private developers, aur financial institutions ke darmiyan ek strong collaboration tay hua hai.
• Loan aur subsidy system mein bribery ya sifarish ka koi concept nahi rakha gaya.
• Scheme mein technology-driven solutions ko use kiya gaya hai jese:
  • NADRA verification
  • NSER poverty score validation
  • Land ownership ka PLRA record se match

Chief Minister ka Vision:

Maryam Nawaz ka vision ye hai ke har Punjab resident, khas kar:

• Single mothers
• Mazdoor
• Daily wagers
• Teachers aur lower-grade government employees
  …apna ghar bana sakein — bina kisi sood (interest) ke aur asaan monthly payments mein.

Woh kehti hain ke:

“Agar mein sirf nara lagati rahun aur awam ka ghar na banwaun, to ye siyasat nahi, dhoka hoga. Is liye mein har ghar ka sapna poora karne nikli hoon.”

Program Vision and Objectives

• Ghar sab ke liye – chahe wo mazdoor ho, teacher ho ya chhota tajir.
• Har ghar ko legal, affordable aur interest-free financing ke zariye milna chahiye.
• 3 mukhtalif execution models ke zariye 1 lakh ghar banae jayein.

Benefits of Owning a House

• Apna ghar har insaan ka basic right hai.
• Apna ghar honay se kiraye ka bojh khatam ho jata hai.
• Family mein sukoon aur security ka ehsas barhta hai.
• Long-term property ownership se wealth generate hoti hai.

How This Program Helps in Reducing Poverty

• Slums aur ghettos se nikal kar log dignified zindagi guzar saktay hain.
• Affordable housing se savings barhti hain.
• Construction industry mein rozgar milta hai.
• 5 lakh se zyada jobs create hongi (direct + indirect).

Eligible Cities – Apni Chhat Apna Ghar Program

Although the scheme launched in Punjab, still, only residents of following cities can apply and get benefits of Apni Chat Apna Ghar project:

• Rawalpindi
• Lahore
• Multan
• Sargodha
• Faisalabad 
• Sialkot
• Attock
• Bahawalnagar
• Bahawalpur
• Bhakkar
• Chakwal
• Chiniot
• Dera Ghazi Khan
• Gujranwala
• Gujrat
• Hafizabad
• Jhang
• Jhelum
• Kasur
• Khanewal
• Khushab
• Layyah
• Lodhran
• Mandi Bahauddin
• Mianwali
• Muzaffargarh
• Nankana Sahib
• Narowal
• Okara
• Pakpattan
• Rahim Yar Khan
• Rajanpur
• Rawalpindi
• Sahiwal
• Sargodha
• Sheikhupura
• Sialkot
• Toba Tek Singh
• Vehari

District Based Quota of Loans – Apni Chhat Apna Ghar Program

Execution Models of the Scheme – Apni Chat Apna Ghar Program

Model 1 – Construction on State Land (10,000 Units)

Is model mein hukoomat Punjab ki state land developers ko equity-based arrangement ke zariye di jaegi:

• Developers infrastructure aur apartments banayenge.
• PHATA design aur drawings provide karega.
• Developer har cheez ko design standards ke mutabiq complete karega.
• Government kisi bhi infrastructure pe subsidy nahi degi.
• Installment aur price ka faisla government karegi.
• Land step-by-step developer ko di jaegi after progress.

Model 2 – Private Housing Schemes (20,000 Units)

Is model mein private housing schemes ke through affordable ghar banaye jaenge:

• Developer ko scheme ka approval APHS Rules 2020 ke mutabiq milega.
• Har housing scheme ka 20% area low-cost housing ke liye allocate hoga.
• 1 lakh tak subsidy government degi per unit.
• Developer aur PHATA ka joint Escrow Account banega.
• 5 saal ke installment plan mein ghar allot hoga.
• PHATA har stage pe monitoring karega.

Model 3 – Interest-Free Loans (70,000 Units)

Is model mein eligible logon ko interest-free loans milenge:

• Loan amount: maximum 15 lakh.
• Duration: 7 saal.
• Plot size limit: Urban (upto 5 marla), Rural (upto 10 marla).
• Loan online apply kiya jaega (https://acag.punjab.gov.pk).
• Government operational cost bhi khud pay karegi.
• Loan tranches mein milega, repayment se fund revolve karega.

Read More: Chief Minister Punjab Maryam Nawaz Sharif ne ek zabardast qadam uthaya hai jiska naam hai Apni Zameen Apna Ghar Program.. Is scheme ka maqsad hai Punjab ke gareeb aur beghar logon ko muft 3 marla zameen dena taake wo apna ghar bana saken.. Yeh program “Housing for All” vision ka hissa hai..

Eligibility Criteria – Who Can Apply? Apni Chhat Apna Ghar Program

Agar aap Apni Chhat Apna Ghar Program ka hissa banna chahte hain, to pehle yeh check karna zaroori hai ke aap is scheme ke eligibility standards par poora utarte hain ya nahi. Neeche tamam sharaait ki tafseel di gayi hai:

📌 1. Punjab Ka Permanent Resident Hona

• Applicant ya uska koi family member (walid, walida, shohar ya biwi) ka Punjab ka permanent resident hona zaroori hai.
• CNIC par Punjab ka address hona chahiye.

📌 2. Zameen Ka Malik Hona

• Applicant ke paas:
  • Urban area (shehri ilaqa) mein 5 Marla ya is se kam ka registered plot hona chahiye.
  • Rural area (dehati ilaqa) mein 10 Marla ya is se kam ka registered plot hona chahiye.
• Zameen ke ownership ka proper saboot zaroori hai.

📌 3. Criminal Record Na Ho

• Applicant ke khilaf kisi bhi qism ka criminal case na ho.
• Kisi anti-state, anti-social activity, ya serious crime ka record na ho.

📌 4. Bank Defaulter Na Ho

• Applicant kisi bhi bank ya financial institution ka loan defaulter nahi hona chahiye.
• Agar aap pehle kisi qarz ki adaigi nahi kar sake to pehle usay clear karna hoga.

📌 5. NSER Registration Aur PMT Score

• Applicant ka NSER (National Socio-Economic Registry) mein registered hona lazmi hai.
• PMT (Poverty Means Test) score 60 se kam hona chahiye.

📌 6. CNIC Holder Aur 18 Saal Se Zyada Umar

• Applicant ka valid CNIC (Computerized National Identity Card) hona chahiye.
• Applicant ki minimum age 18 saal honi chahiye form fill karte waqt.

Required Documents for Registration – Apni Chat Apna Ghar Program

Agar aap Apni Chhat Apna Ghar Program mein registration karna chahte hain to aapko kuch zaroori documents ready rakhne honge. Neeche un documents ka list aur unki detail di ja rahi hai:

📄 1. CNIC Front + Back (Shanakhti Card ka samnay aur peechay wala hissah)

• Aapka Computerized National Identity Card (CNIC) dono sides se scan ya photo hona chahiye.
• File format JPG, PNG ya PDF ho sakta hai.
• Maximum size 1 MB se zyada nahi honi chahiye.
• Ye document NADRA se verify hoga, is liye clear aur readable image upload karna zaroori hai.

📄 2. Property Ownership Document (Milkiyat ka Saboot)

• Jis plot ya zameen par aap ghar banana chahte hain, uski registered milkiyat ka document upload karna hoga.
• Ye document:
  • Registry
  • Fard
  • Intiqal
  • PLRA ka computerized record ho sakta hai.
• Document legal hona chahiye aur applicant ke naam pe hona zaroori hai.

🖼️ 3. Applicant ka Recent Photo

• Aapki ek tasveer (passport size) chahiye jo hal hi mein li gayi ho.
• Clear face aur white/neutral background wali photo honi chahiye.
• Is tasveer ka istemal profile creation aur verification mein hota hai.

📄 4. Spouse ka CNIC (Agar Shaadi Shuda Hain)

• Agar aap shaadi shuda hain to aapko apne shohar ya biwi ka CNIC bhi upload karna hoga.
• CNIC ki dono sides scan ya photo form mein honi chahiye.
• Format aur size wohi hai: JPG/PDF/PNG – max 1MB

☎️ 5. Active Mobile Number aur Email Address

• Aapka mobile number active hona chahiye kyunki is par OTP (code) ayega jo registration complete karne ke liye zaroori hai.
• Ek valid email address bhi dena hoga jahan par system aapko confirmation aur updates bhejega.
• Email aur phone number aapke apne hone chahiye, taake future mein kisi issue ka samna na ho.

Tip: Registration karte waqt ye tamam documents ready aur scan kiye hue hone chahiye taake form fill karte waqt koi delay ya error na ho.

Online Registration Process Step-by-Step – Apni Chhat Apna Ghar Program

1. Visit karein official site: https://acag.punjab.gov.pk
2. Top right corner pe “Register” pe click karein.
3. Registration form fill karein:
   • Full Name
   • CNIC
   • Father/Husband Name + CNIC
   • Gender, Email, Mobile No.
   • Address: Division, District, Tehsil, City
   • Password create karein
4. Submit button pe click karein – account create ho jaega.
5. Login karein aur 3 declarations confirm karein.
6. Loan application form open karein aur 3 sections complete karein:
   • General info
   • Property info
   • Socio-economic info
7. Required documents upload karein.
8. Submit karein final application.

Offline Registration Process for General Public – Apni Chhat Apna Ghar Program

Agar aap online apply nahi kar saktay to:

• Apne district ke Deputy Commissioner (DC) office jaakar registration desk pe offline form submit karein.
• Saath apni tamam zaroori documents le kar jaein.
• Wahan ka staff form fill karne mein madad karega.

Subsidy Details, Down Payment aur Installment Plan

Apni Chhat Apna Ghar Program ek interest-free housing loan scheme hai jo khas tor par un logon ke liye banai gayi hai jo apna ghar to banana chahte hain, lekin financial constraints ki wajah se mumkin nahi hota. Punjab ki hukoomat ne is program ke zariye ek revolutionary model introduce kiya hai jahan:

✅ 60% Subsidy – Government Ka Hissa

• Punjab Government total ghar ke construction cost ka 60% subsidy provide karegi.
• Yeh subsidy waapas nahi karni hoti, yeh ek muawinah hai jo sirf eligible logon ko milta hai.

✅ 40% Down Payment – Applicant Ka Hissa

• Baaqi 40% amount applicant ko apni pocket se dena hota hai.
• Isay 2 tareeqon se ada kiya jata hai:
  • Ek martaba down payment
  • Baad mein monthly installment plan

📅 Installment Plan Ki Tafseelat – Apni Chat Apna Ghar Program

🎯 Khas Features:

• No Interest: Pura loan interest-free hai.
• Flexible Duration: 5 ya 7 saal tak asaani se qistoon mein adaigi.
• Delayed Start: Pehli qist 3 mah baad shuru hoti hai taake applicant ko initial relief milay.
• Equal to Rent: Monthly installment itni low hai ke aksar log apna kiraya dene ke bajaye apna ghar bana sakte hain.

👨‍👩‍👧‍👦 Kis Ke Liye Hai Yeh Scheme?

Yeh installment aur subsidy model khas tor par:

• Middle-class families
• Low-income earners
• Mazdoor, clerks, teachers, shopkeepers jaise logon ke liye design kiya gaya hai.

Expected Outcomes and Social Impact

Is scheme ke natijay mein sirf logon ko ghar nahi milein ge balkay ek social upliftment hoga:

• Punjab ke 1 lakh gharon ka construction = 5 lakh se zyada jobs create hongi
• Ghareeb aur middle-class ko apna ghar milega
• Slum areas aur overcrowding mein kami hogi
• Safe aur dignified living environment develop hoga
• Water, electricity aur sanitation jaise basic needs available hongi
• Community development aur social cohesion mein izafa hoga

Role of PHATA and Government Departments – Apni Chhat Apna Ghar Program

PHATA (Punjab Housing & Town Planning Agency):

• PHATA program ki executing body hai.
• Design approvals, construction monitoring aur developers ke milestones ko manage karta hai.
• State land par construction aur low-cost housing plans develop karta hai.

Other Government Departments:

• HUD & PHED: Administrative control aur planning
• Finance Department: Subsidy release aur funding
• Board of Revenue: Land verification
• NADRA: Identity verification
• NSER: Poverty score verification
• Local Government: Offline facilitation and ground verification

Minister and Department Introduction

Chief Minister Punjab – Maryam Nawaz Sharif
Apni Chhat Apna Ghar Program ki buniyad Chief Minister Punjab Ms. Maryam Nawaz Sharif ne rakhi. Ye program un ka logon ke liye aik personal mission hai. Woh samajhti hain ke har shehri ka apna ghar hona chahiye — chahe woh mazdoor ho, school teacher ya chhota karobar karnay wala.

Unka Vision:

“Ghar sirf deewarein nahi, ye aik khwab hai – jo har gharanay ka haq hai. Hum chahte hain ke har family apne liye aik pur-aman, khushhaal aur izzatdaar zindagi ka aghaz karein.”

Department Overview:

• Admin Department: Housing, Urban Development and Public Health Engineering Department (HUD&PHED)
• Execution Agency: Punjab Housing and Town Planning Agency (PHATA)
• Support: Board of Revenue, Finance Department, NSER, NADRA, PLRA

Installment Plan Details – Affordable Monthly Payments

Program mein mukhtalif execution models hain, lekin khas tor par Model-3 mein logon ko interest-free loan diya jata hai.

Ek Typical Installment Example:

3 months grace period milta hai, jismein koi installment nahi deni hoti.

Conclusion – Aik Roshan Mustaqbil Ki Janib

Apni Chhat Apna Ghar Program sirf aik housing scheme nahi, balkay aik inqalabi qadamm hai jo Punjab ke logon ko izzat, aman, aur apni chhat dene ka waada karta hai.

Agar aap aik low-income ya middle-class family se taluq rakhte hain, aur aap ke paas plot hai (5 marla tak urban ya 10 marla tak rural), toh ye scheme aap ke liye hai.

Apply karein, apna ghar banayein, aur apna mustaqbil roshan karein.

FAQ’s Apni Chhat Apna Ghar Program

Latest Updates – Apni Chhat Apna Ghar Program – (5.7.25)

Qa’id Nawaz Sharif ka Vision, Wazir-e-Aala Maryam Nawaz ka Mission

Wazir-e-Aala Maryam Nawaz Sharif ke awami relief program “Apni Chhat, Apna Ghar” ke tehat Punjab mein tareekh raqam kar di gayi hai. Sirf chand maah mein 50 hazaar se zyada gharon ki tameer, 51,911 afraad ko qarzon ki farahmi, 57 arab 90 crore rupay ke qarzon ka ijra, 5,293 ghar abaad, jabke 41,324 gharon ki tameer jaari hai.

Barson se kiraye ke bojh tale dabay hazaaron khandaan aaj apne zaati ghar ke khwab ko haqeeqat banta dekh rahe hain. Yahi hai awami khidmat ka amli saboot.