Lahore:The Punjab government has launched a life-changing scheme “Apni Chhat Apna Ghar”, through which interest-free loans of up to Rs. 1.5 million will be provided to deserving individuals who want to build individual houses.
This scheme is available only if the applicant has land—1–5 marla in urban areas and 1–10 marla in rural areas. In addition, the applicant must be married, must be the head of the family in NADRA, and not be a defaulter in any bank or financial institution.
Steps to apply:
Step 1: Obtain the application form from the PITB or acag.punjab.gov.pk website or from the front desk of the Deputy Commissioner’s office of the respective districts.
Step 2: Complete the application with CNIC, land document, National Socio-Economic Registry (NSER) record, and identity documents.
Step 3: Submit the form in the web application or office.
Step 4: Eligible candidates will be selected through a draw, after which the concerned bank or financial institution will start the process of land verification and loan disbursement.
Loan Terms:
Loan Amount: Rs. 15 lakh interest-free
Repayment Period: Seven Years
First 3 months payment waived
Monthly Installment Approximately Rs. 14,000
Why is this scheme important?
Nearly 70,000 families will benefit
Providing facilities for construction of houses in villages and cities under the schedule in every district
A milestone and effective step in promoting the construction sector, solving the housing shortage, and the welfare of the poor.
For more information or guidance, call 0800‑09100 or monitor your application on the official web portal
