Punjab Chief Minister Maryam Nawaz Sharif has announced a groundbreaking initiative under the Apni Chhat Apna Ghar Program, targeting the provision of 40,000 housing loans by May 2025. With a budget of Rs. 62 billion, this program aims to help low-income families across Punjab build their homes. The CM has also proposed increasing the loan limit from Rs. 1.5 million to Rs. 2 million to meet rising construction costs, ensuring better housing for beneficiaries.
Program Details and Budget Allocation
The Punjab government has allocated Rs. 62 billion to provide affordable housing loans for deserving families.
- Target Loans: 40,000 by May 2025
- Current Loan Limit: Rs. 1.5 million
- Proposed Loan Limit: Rs. 2 million
This initiative addresses the growing demand for affordable housing and aims to improve the living standards of Punjab’s underprivileged communities.
Loan Distribution Progress
Progress on the program shows promising results:
- 5,000 beneficiaries across Punjab have already received loans.
- 4,200 houses are nearing completion.
To enhance efficiency, the CM has directed officials to simplify and expedite the loan application process, reducing delays for applicants.
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Ready-Made Homes for Poor Families
In collaboration with RUDA (Ravi Urban Development Authority) and the Housing and Urban Development Department, the program also includes the provision of ready-made houses.
- Focused on families unable to manage construction themselves.
- Ensures that even the most vulnerable families can access safe and secure housing.
Maryam Nawaz emphasized that housing is a fundamental right and pledged to provide every homeless family with a roof over their heads.
Proposal to Increase Loan Amount
The CM proposed increasing the loan limit from Rs. 1.5 million to Rs. 2 million, citing the rising costs of construction.
- This adjustment will enable families to build houses that meet modern needs.
- The proposal is under review and is expected to be approved soon.
This increase will allow beneficiaries to construct better-quality homes while staying within the government’s financial assistance framework.
Financial Support for Low-Income Families
The program is specially designed for families with limited income and focuses on:
- Poor families unable to afford housing.
- Women-led households, especially widows and divorced women.
- Disabled individuals needing financial help for shelter.
The government is committed to registering all eligible families to ensure no one is left behind.
Helpline for Apni Chhat Apna Ghar Program
A dedicated helpline (0800-09100) has been introduced to assist beneficiaries.
Helpline Services:
- Guidance on loan eligibility and application procedures.
- Help with document requirements and biometric verification.
- Updates on program progress and status.
This helpline ensures a seamless and accessible experience for applicants, helping them resolve any queries promptly.
Conclusion
The Apni Chhat Apna Ghar Program is a revolutionary step by the Punjab government to address the housing crisis. By providing interest-free loans, increasing loan limits, and offering ready-made homes, the program ensures that low-income families can achieve the dream of owning a house. This initiative not only provides shelter but also secures a brighter and safer future for thousands of deserving families across Punjab.
FAQs
Q1: How many loans will be provided under the program in 2025?
A: The Punjab government plans to provide 40,000 housing loans by May 2025.
Q2: Who is eligible for the program?
A: Low-income families, widows, divorced women, and disabled individuals are eligible for the program.
Q3: What is the maximum loan amount under the program?
A: Currently, the loan limit is Rs. 1.5 million, but a proposal to increase it to Rs. 2 million is under review.
Q4: Can ready-made houses be availed under this program?
A: Yes, the program, in collaboration with RUDA, offers ready-made houses for poor families.
Q5: How can applicants contact the program for assistance?
A: Applicants can call the dedicated helpline at 0800-09100 for guidance and support.