Maryam Nawaz Launches New Scheme: “Apni Chhat Apna Ghar” – A House Loan Scheme for 2024

CM Maryam Nawaz:

Assalam-o-Alaikum. Today, with the grace of Allah. I am launching a scheme of Maryam Nawaz house loan scheme “Apni Chhat Apna Ghar” that I have been eagerly waiting for just like the people of Punjab. This is the scheme everyone has been asking me about – when it will be launched and how to apply. People have been waiting and are excited for this moment.

As the host just mentioned, there’s a saying, There’s no comfort like having your roof. Those who have their own homes may not fully appreciate this blessing. But ask those who don’t have their own homes, who don’t have their roofs, and you’ll understand the intensity of this desire.

Having a home of your own is one of the greatest blessings. You may have all kinds of luxuries, but if you don’t have your own home or your roof there’s a void that is difficult to express in words.

The Importance of “Apni Chhat Apna Ghar” Scheme:

The “Apni Chhat Apna Ghar” scheme is designed to fulfill the dream of owning a home for those who don’t have one. It is more than just a loan; it is an opportunity to secure the most important asset a home. This scheme aims to provide financial assistance to people across Punjab to build or purchase their own houses ensuring that no one is left without a roof over their heads.

How to Apply for the Maryam Nawaz Housing Scheme “Apni Chhat Apna Ghar”:

I have made the application process for this scheme as easy as possible. We have provided multiple ways to apply, so whether you are tech-savvy or not, you can still take advantage of this opportunity.

1. Online Application:

   • You can apply online through the Punjab Information Technology Board (PITB) portal. It’s a straightforward process that can be done from the comfort of your home.

2. Phone Application:

   • For those who may not be comfortable with online applications, we have provided a helpline number: 0800-9100. You can call this number to get all the necessary information and assistance.

3. District Offices:

   • You can also visit your local District Commissioner (DC) office or the Assistant Commissioner’s office in your area to apply or get more information. This scheme is being launched simultaneously across all cities in Punjab, so no one will be left out.

4. Information from Patwari:

   • If you own a piece of land, you can also get information from the local Patwari’s office.

We have ensured that this helpline number will be operational starting today so that when people call they receive the required information.

Payment Plans and Installments of CM Punjab  Housing Scheme:

We have also made efforts to keep the installment amount low especially for those who currently live on rent. The monthly installment will be less than what you would typically pay in rent. So that the financial burden on you is minimized. In this time of inflation, we are doing our best to ease the situation for you.

• Installment Amount: Up to Rs. 14,000 per month.
• Duration: You can complete the payments in 7 years.

We understand the financial challenges people are facing today and this scheme is our attempt to make homeownership a reality for everyone, with minimal financial stress.

Eligibility for Loan:

If you own a piece of land in urban or rural areas, you can benefit from the “Apni Chhat Apna Ghar” scheme. Here’s how it works:

1. Urban Areas (Shehri Ilaka):
   • If you own 1 to 5 marlas of land in urban areas, you are eligible for a loan of up to Rs. 1.5 million (15 lakh) from the Government of Punjab.
2. Rural Areas (Dehi Ilaka):
   • If you own 1 to 10 marlas of land in rural areas, you can also receive up to Rs. 1.5 million (15 lakh) under this scheme.

Loan Repayment Details:

• The loan provided under this scheme must be repaid within 7 years through easy monthly installments.
• First Three Months: No repayment is required during the first three months after receiving the loan. This grace period is intended to give you a head start.
• Monthly Installments:
  • If you have taken the maximum loan amount of Rs. 1.5 million, the highest monthly installment will be Rs. 14,000.
  • For smaller loan amounts the monthly installment will be proportionately lower.
  • The aim is to keep the monthly payment within a manageable limit, considering the financial pressures faced by low-income families.If you find jobs must visit on Jobiline.

Additional Relief Solar Scheme Punjab

Recognizing the financial difficulties during these challenging times the government plans to provide further relief:

• Electricity Bills: In the next two months the government will offer relief worth Rs. 45 to 50 billion in electricity bills for the people of Punjab.
• Solar Program: The government is also launching the largest solar program in history, ensuring that from next year onwards you won’t have to worry about high electricity bills.