Apni Chhat Apna Ghar Scheme Paused
Punjab Chief Minister Maryam Nawaz Sharif has taken many steps for the people of Punjab so that the people of Punjab can stabilize and develop and in this regard, she launched her own Apna Ghar program.
The aim of the scheme was to provide one lakh affordable houses, that is, apartments, to eligible residents in all areas, which is known as a huge development in the Punjab Housing Scheme sector. The Apna Chhat Apna Ghar program is providing houses to the poor and low-income sections of the society who are living in rented buildings or are living in informal settlements.
This program has been made in an execution model to make it sustainable, in which this program will provide more than one lakh affordable houses across the province in about four and a half years with three execution models. In this program, the Punjab Housing and Town Planning Agency and the Housing, Urban Development and Public Health Engineering Department are working as the management departments so that affordable houses can be provided to eligible people.
In this article, I will tell you the reasons why this program has been stopped for the time being. What are they and is it being removed or has it been paused for updates to improve it?
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Features of Apni Chhat Apna Ghar Program
These are some of the important features that make this program very useful and popular.
This program provides houses to the poor and people living in rented houses at affordable prices and also provides them with loans. It offers some important features.
- An eligible person from anywhere in Punjab can apply for it.
- It is above the area-based restriction
- The application process is digitalized.
- It is a broad target in which many people are given employment.
- Among them are laborers, widows, food vendors, small shopkeepers, gardeners and other disadvantaged people living in the city.
- This program also has a special approach due to the systematic payment. It provides interest-free loans and ensures the provision of repayable loans through monthly installments of 14 thousand over nine years.
The funds of the houses that are being demolished are distributed according to the need and upon completion of the construction of the houses, the family is also given ownership of a safe and complete residence.
Eligibility Criteria In this Program,
These few factors have been declared as the eligibility criteria and only those who fulfill them will be able to benefit from this program. This is explained below.
- According to the records available in NADRA, the applicant should be the head of the family.
- The applicant should be a permanent resident of Punjab according to his identity card, that is, he belongs to Punjab.
- In terms of land, if he is a citizen, then he should have five marlas or less and if he lives in villages, then up to 10 marlas, he should be satisfied on which he wants to build his house.
- It has been made mandatory for the person who wants to submit the application that he should not have any criminal record, that is, he should not be involved in any activity that makes him anti-state or anti-social activities and sins, etc.
- It has also been made mandatory for the applicant to not have any debt. For this, it has been made mandatory to register in NSER, which is a household whose PMT score is 60 or less.
Program Achievement
This program is going on very fast and the application process is also going on fast. For your information, some important lines are mentioned below.
So far, 481,000 applications have been received through this program and it is being stated that after their screening, 19,000 plots will be given free to people in about 19 provinces. Through the Apni Chhat Apna Ghar program, 481,000 applications have been received and out of them, more than 367,000 people have been given good news that they are meeting the criteria of the initial screening of the application and they will be benefited from this program.
For your information, this program has given loans to more than 51,900 families and along with this, 6160 houses have been completed and more than 45,000 are under construction, the construction of which is also yet to be completed and it is hoped that by the end of July 2025, the target of 50,000 will be achieved and the overall target that was set .
Transparency, merit-based retribution, public trust is being increased, and repeated attention is being paid to monitoring hand-in, that is, providing ownership to people’s homes, and Minister Nawaz is repeatedly emphasizing their checks.
Stoppage of the Application Process
Now let me tell you why this program has been stopped for the time being. According to public information, the process of transparency and scrutiny is being improved and transparency is being ensured. For this, committees have been formed in 19 districts.
Not only this, but the Deputy Commissioners of 19 districts have been made the head and they have been told that the scrutiny committee should submit a report within a month under the chairmanship of UP. Under this program, almost every family will be able to get interest-free loans of up to Rs 1.5 million, which is why Chief Minister Maryam Nawaz has stopped new applications for the scheme so that their process can be completed and then applications for the next houses can be started. However, the full explanation has not been given yet.
These are some of the important reasons that point to its members.
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Budget and Resource Assessment
Chief Minister Maryam Nawaz Sharif has stopped this so that the budget and resources can be restructured. We have decided that the aim is to further consolidate the funding and improve the payment system before accepting the applicants’ applications so that no problems are faced later.
Infrastructure and operational capacity
In the context of which houses are being built, it is necessary to provide administrative facilities for them, and along with this, the administrative demands are also increasing. Some time is needed to process the applications, distribute funds and verify the progress on a large scale. That is why this program has been stopped for now.
- Due to this, the microfinance institutions associated with it and the work blue have to be adjusted, to make it sustainable for high volume and to get time to improve the digital system.
Quality control and ground monitoring
They say that hurry is the devil’s business. This program has been stopped to meet the merit, to gain public trust and to compromise on quality. It takes a long time to do this and to fulfill this, the application process has been stopped.
The policy has been extended and future planning has been done. This program has been stopped so that new eligibility policies can be formulated to make this program sustainable.
Information Regarding the Reopening of the Program
According to Punjab Chief Minister Maryam Nawaz, the program will be restarted soon, specifically where, and along with this, new eligibility requirements will also be introduced and PHATA may also set a closing date for the application windows.
A Cautious Pause
This program has been paused to take a cautious pause and restart the program in a proper manner, control financial mismanagement, ensure quality improvement, set more standards for standardizing houses, increase public confidence, avoid exorbitant prices, and support new projects coming in the future.
Final Background
Keeping all these reasons and all the background in front of us, we can say that this announcement of Prime Minister Maryam Nawaz is timely and right and it will provide us with a strong and fully launched program to enhance the quality assurance system and restructure the policy. Therefore, all those who want to join this program should use their required documents and keep an eye on the official portal. All this is being done for a strong and organized system. Therefore, to benefit from it, do not take the stoppage of this step as a negative, but take it as a positive and make preparations.
Official Helpline Number
Official helpline number for complaints and assistance under the Apni Chhat Apna Ghar program. Chief Minister Maryam Nawaz Sharif has started this program to provide houses to eligible people and for this reason, helpline numbers have also been given to prevent any kind of fraud.
You can contact the Apni Chhat Apna Ghar program helpline number 080009100 for any kind of complaint and there is also a team that provides information about it.
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