Apply for the Apni Chhat Apna Ghar Scheme Phase 3 and secure an interest-free Rs. 15 lakh loan for your dream home in Punjab. Easy eligibility, simple registration, and a 7-year repayment plan. Build your own house today with this Punjab government housing scheme
Apni Chhat Apna Ghar Scheme Phase 3: Transforming Dreams into Reality
The Punjab government has launched the third phase of the Apni Chhat Apna Ghar Scheme, aiming to empower low-income families in Punjab with the opportunity to own a home. Following the success of the first two phases, Phase 3 is now open for applications, bringing renewed hope to those struggling to secure permanent housing. This initiative offers interest-free loans of up to Rs. 1.5 million, ensuring eligible applicants can build their homes without financial strain.
Key Features of the Scheme
- Focus on Punjab Residents: Designed exclusively for individuals and families residing in Punjab who do not own a home.
- Assistance for Renters: Tailored for families living in rented accommodations.
- Simplified Application Process: The approved Game Model Three Scheme streamlines the application process for ease and accessibility.
Eligibility Requirements
Applicants must meet the following criteria to qualify for the scheme:
- Permanent Residency: Applicants must hold permanent residency in Punjab.
- Stable Income: Proof of consistent monthly income is mandatory.
- Age Range: Candidates should be between 21 and 60 years old.
- Loan Restrictions: Only one loan per family is permitted.
- Clean Record: Applicants must have no criminal record or previous loan defaults.
- Employment Status: A stable job or income source is essential.
- No International Travel: Applicants should not have a history of traveling abroad.
Registration Process
The application process for the scheme is straightforward and can be completed online:
- Access the Official Website: Visit the official portal for the Apni Chhat Apna Ghar Scheme.
- Click “Register”: Start the registration process by selecting the registration option.
- Provide Details: Enter your name, father’s/husband’s name, CNIC number, contact details, monthly income, and residential address.
- Upload Documents: Submit the following documents:
- Photos of land documents (front and back).
- CNIC photos (front and back).
- Father’s/husband’s CNIC photos (front and back).
- Submit the Application: Click on the “Submit” button to complete your registration.
- Loan Approval Call: Eligible applicants will be contacted for loan approval.
- Draw Results: Final eligibility will be confirmed through a transparent draw system.
Apply Online
Loan Repayment Terms
- Total Loan Amount: Rs. 15 lakh.
- Monthly Installment: Rs. 14,000.
- Grace Period: No installments are required for the first three months.
- Repayment Period: Seven years with no additional charges.
- Loan Provider: Funds will be disbursed through the National Bank of Pakistan following verification.
Why This Scheme Matters
This initiative addresses critical housing challenges faced by low-income families:
- Inclusive Homeownership: Offers financial support to families who own land but lack the resources to build a home.
- Improved Living Conditions: Ensures safe, secure, and permanent housing.
- Empowering Families: Provides financial relief and stability, enabling a better quality of life.
Conclusion
The Apni Chhat Apna Ghar Scheme Phase 3 represents a significant step toward reducing housing insecurity in Punjab. By offering interest-free loans and simplifying the application process, this program empowers families to achieve the dream of homeownership. If you meet the eligibility criteria, don’t miss this opportunity to transform your life.
For more details and updates, visit the official website of the scheme. Let this initiative help you turn your vision of a home into reality.
