Thu. Nov 7th, 2024
Acag.punjab.gov.pk. Program Acag.punjab.gov.pk. Program 

Acag.punjab.gov.pk. Program 

The Apni Chat Apna Ghar Program, launched by Chief Minister Maryam Nawaz, is a new housing loan scheme available for all residents of Punjab. This program provides housing loans to support Punjab residents in building their own homes, with 100,000 housing units available. The Punjab Housing and Town Planning Agency (PHATA) is managing the project, and residents can register online at acag.punjab.gov.pk. Each district in Punjab has a specific quota allocation based on population and area.

Punjab Dhee Rani Program EligibilitySchema

Quick Details

Feature Details
Scheme Name Apni Chat Apna Ghar Program
Launched By CM Punjab Maryam Nawaz
Managing Body Punjab Housing and Town Planning Agency (PHATA)
Total Housing Units 100,000 (70,000 for primary model)
Loan Limit Up to 1.5 million PKR
Eligibility Punjab residents with up to 5 marlas in urban, 10 marlas in rural areas
Repayment 7 years, 14,000 PKR monthly
Application Deadline Not specified, online registration open

Online Application Process for Apni Chat Apna Ghar Program

Applicants interested in the Apni Chat Apna Ghar Program can complete the online registration form available at acag.punjab.gov.pk. After registering, applicants can log in with their CNIC and password to access and complete the detailed application form.

  1. Registration and Login: First, applicants register by entering basic details. Once registered, they can log in with their CNIC and chosen password to continue the application.
  2. Application Form: Upon logging in, applicants need to fill out the application form carefully with accurate and original information to avoid cancellation of the registration. The form includes sections for personal, property, and household socioeconomic details.
  3. Document Submission: Applicants must upload three types of documents – proof of property ownership (e.g., a possession letter), CNIC front and back photos, and employment or business details.
  4. Final Submission: After filling out all the required information, including household socioeconomic status and spouse details (if married), applicants can submit the form.

In the event of the error message, “PMT Record not found against your CNIC,” applicants must contact their nearest NSER office to update their Poverty Measurement Tool (PMT) score.

Eligibility Criteria for Apni Chat Apna Ghar Program 2024

The eligibility requirements for applicants are structured to ensure the program benefits those most in need. Key eligibility points include:

  • Primary Family Member: Applicants must be the primary family member on record with NADRA.
  • Permanent Residency in Punjab: All applicants should have Punjab residence on their CNIC and be domiciled in any Punjab district.
  • Property Ownership: On the application date, the applicant must own a small property (5 marlas in urban or up to 10 marlas in rural areas).
  • No Criminal Record: Applicants with criminal records, especially related to anti-state activities or severe crimes, are not eligible.
  • No Loan Defaults: Applicants should not have any loan defaults from banks or other financial institutions.
  • Low-Income Households: Applicants must have a PMT score of 60 or lower and be listed in the National Socio-Economic Registry (NSER).

Execution Models and District-Wise Quota for 100,000 Housing Units

The program is split into various models to allocate 100,000 housing units across Punjab’s 36 districts, each receiving a quota based on size and population. The primary model comprises 70,000 units, focusing on residents with residential plots of up to 5 marlas in urban areas and 10 marlas in rural areas.

Punjab Honhaar ScholarshipSchema

Loan Repayment Plan and Financial Structure

This housing loan is interest-free and designed with manageable repayment terms:

  • Maximum Loan Amount: Up to 1.5 million PKR.
  • Repayment Period: Loans are repayable in monthly installments over 7 years, with each installment amounting to 14,000 PKR.
  • Disbursement of Funds: Funds are distributed in stages and sustained through a revolving fund based on repayments. The Government of Punjab manages operational expenses and sales tax.

How to Complete the Apni Chat Apna Ghar Application Form

The online application form is divided into sections requiring details on personal background, property, and socioeconomic status:

  1. Personal Information: Enter name, CNIC, address, and other essential details. This section must be filled with accurate information to avoid rejection.
  2. Property Details: Indicate the size of the property for which the loan is requested and provide current residence details.
  3. Socioeconomic Profile: Describe your household income, marital status, spouse information, and employment details.
  4. Document Upload: Submit documents such as CNIC (front and back) and property ownership papers.
  5. Remarks Section: Add any remarks explaining your financial condition or specific needs.

Once completed, the form should be reviewed for accuracy before submission.

The Apni Chat Apna Ghar Program is a valuable initiative by the Punjab Government, offering affordable home loans to deserving families. With proper guidance, eligible applicants can take advantage of this program to fulfill their dream of homeownership.

 

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