Step-by-Step Guide to Apply for Apna Ghar Apni Chat Program
The Apna Ghar Apni Chat program introduced by the Punjab government is a commendable initiative aimed at providing loans and 100,000 affordable homes to deserving families across Punjab. Low-income households can benefit from interest-free loans under this PHATA-managed scheme, applicable to all Punjabi citizens earning less than 60,000 PKR per month. The official website for current online applications and registration forms is [https://8171ehsaasbisp.pk/]. Here is a step-by-step guide on how to apply and take a significant step towards owning your dream home.
How to Apply for the Apna Ghar Apni Chat Program
The Punjab government has simplified the online registration process for the Apna Ghar Apni Chat Scheme, making it convenient for applicants to apply from their homes. Here are six straightforward steps to apply online through the Gov Web Portal:
Application Process
- Visit the official portal for registration at [https://8171ehsaasbisp.pk/].
- Register your personal information, including CNIC, name, father’s/husband’s name, gender, email, mobile number, district, division, city, and tehsil.
- Create a strong password.
- Submit the form after verifying all information.
- Log in to your account and complete the application form with necessary details and supporting documents.
- Finally, submit your application after uploading a photo and reviewing all information.
Eligibility Criteria:
Applicants interested in Punjab’s affordable housing initiative must meet the following criteria:
- The applicant must be the head of the family according to NADRA records.
- Possess a modest plot of land between five and ten marla in rural areas and up to five marla in urban areas.
- Should not have any outstanding debt to financial institutions or banks.
- Must have a clean criminal record.
- Registration information on National-Socio Economy Registry (NSER) is required.
- The household income should not exceed 60,000 PKR per month.
Required Documents for Application:
To apply for the loan, the following documents are essential:
- CNIC copy.
- Bank statements or income receipts.
- Land title document for ownership proof.
- NSER registration evidence.
Payment Plans Details:
The Low-Income Family Housing Program offers interest-free loans to qualifying families for 5 Marla and 10 Marla plots, with a maximum amount of 1.5 million PKR. The government covers 60% of the cost, and households only pay 40%. Loan repayment is spread over seven years with a monthly installment of 14,000 PKR.
ACAG Helpline Contacts:
For any queries, please contact the official support teams at:
- Telephone numbers: 042-99213419, 042-992213428.
- Email: PHATA.Punjab.gov.pk.
Conclusion
Through the Apna Ghar Apni Chat program, low-income families have the opportunity to own a home. By following the outlined process, families in Punjab can avail the government’s housing loan. To stay updated, visit the ACAG Punjab website and apply online or offline if eligible.
FAQs (Frequently Asked Questions)
1. Can I apply for the ACAG program offline?
Yes, you can apply through district tehsil offices.
2. What documents are required for the application?
You need to submit your CNIC, income evidence, NSER registration, and land ownership proof to be eligible.
3. What is the aim of the Apna Ghar Apni Chat program?
The program’s goal is to provide interest-free loans and affordable housing to low-income families in Punjab.
Quick Table Detail
| Details | Information |
|---|---|
| Purpose | Provides interest-free loans to eligible families in Punjab for home construction or purchase. |
| Eligibility | Families with a monthly income below Rs. 60,000 and who do not own a home. |
| Loan Amount | Up to Rs. 1.5 million for urban areas and Rs. 2.5 million for rural areas. |
| Repayment | Interest-free installments over a specified period. |
| Application Process | Apply online through the official website: [https://8171ehsaasbisp.pk/] |
| Status Check | Applicants can verify their application status online. |
