How can one apply for a loan under the ‘Apni Chhat Apna Ghar’ scheme?

How can one apply for a loan under the ‘Apni Chhat Apna Ghar’ scheme?

Introduction:

The “Apni Chhat Apna Ghar” Program is a special initiative by the Chief Minister of Punjab aimed at providing 100,000 affordable houses/apartments to eligible residents across the province. This program is designed to assist low-income individuals and families, currently living in rented or informal settings, in acquiring their own homes. The initiative will be implemented over four and a half years through three distinct execution models.

The Punjab Housing & Town Planning Agency (PHATA) will oversee the execution of this program, while the Housing, Urban Development, and Public Health Engineering Department (HUD&PHED) will handle administrative tasks.

Expected Outcomes:

• Enhanced living conditions for low-income families.
• Decreased overcrowding and slum conditions.
• Improved access to essential amenities such as water, sanitation, and electricity.
• Increased community safety and security.
• Positive social impact and strengthened social cohesion.
• Creation of approximately 500,000 jobs, boosting the economy directly and indirectly.

Execution Models:

1. Execution Model-1 (Tentative 10,000 Housing Units):
   • Objective: Facilitate the construction of housing units/apartments on state land through an equity-based land-sharing model between developers and PHATA.
   • Responsibilities:
     • Developers to construct infrastructure, including roads and utilities, and housing units.
     • PHATA will provide preliminary land use plans and relevant design and structural drawings.
     • Developers cover full capital costs; government will not provide any infrastructure or construction subsidies.
     • Pricing and installment plans for housing units will be set by the government.
     • PHATA will approve the layout and ensure adherence to design and building regulations.
2. Execution Model-2 (Tentative 20,000 Housing Units):
   • Objective: Develop low-cost houses within private housing schemes, requiring developers to allocate at least 20% of residential area for affordable housing.
   • Features:
     • Developers will get approval under APHS Rules 2020.
     • A one-window mechanism will streamline approvals.
     • Affordable housing units will be provided based on size, design, and price determined by PHATA.
     • Allottees will make down payments and monthly installments to developers, with the government providing a subsidy.
     • PHATA will supervise and monitor construction and payments.
3. Execution Model-3 (Tentative 70,000 Interest-Free Loans):
   • Objective: Offer interest-free loans for constructing houses to eligible residents.
   • Details:
     • Maximum loan amount: PKR 1.5 million.
     • Loan tenure: 7 years with easy monthly installments.
     • Loans will be disbursed in tranches; the revolving fund will be replenished with repayments.
     • Operational costs and sales tax will be covered by the Government of Punjab.

Program Steering Committee:

1. Senior Minister Punjab – Convener
2. Minister Housing Punjab – Member
3. Chairman P&D Board Punjab – Member
4. Senior Member Board of Revenue – Member
5. Secretary Finance – Member
6. Secretary HUD&PHED – Member
7. Secretary LG&CD – Member
8. DG PHATA – Secretary
9. Any co-opted Member – Member

TORs of Program Steering Committee:

• Provide overall policy guidelines for the program’s implementation.
• Oversee program progress and address bottlenecks.
• Handle other matters related to the Apni Chhat Apna Ghar program.

Eligibility Criteria:

1. Applicant must be the head of their nuclear family as per NADRA records.
2. Applicant must be a permanent resident of Punjab as per CNIC.
3. Applicant must own a parcel of land measuring up to 5 Marlas in urban areas or up to 10 Marlas in rural areas in Punjab at the time of application.
4. Applicant must not have a criminal record or be a defaulter of any financial institution.

The district-wise quota distribution for the “Apni Chhat Apna Ghar” Program:

Central Region:

1. Bhakar
   • Loan Distribution: 283
   • PHATA Region Wise Units: 1,913
2. Khushab
   • Loan Distribution: 243
3. Layyah
   • Loan Distribution: 366
4. Mianwali
   • Loan Distribution: 307
5. Muzaffargarh
   • Loan Distribution: 714

Faisalabad Region:

1. Chiniot
   • Loan Distribution: 313
   • PHATA Region Wise Units: 2,511
2. Faisalabad
   • Loan Distribution: 851
3. Jhang
   • Loan Distribution: 451
4. Sargodha
   • Loan Distribution: 520
5. Toba Tek Singh
   • Loan Distribution: 376

North Region:

1. Gujranwala
   • Loan Distribution: 657
   • PHATA Region Wise Units: 5,804
2. Hafizabad
   • Loan Distribution: 302
3. Kasur
   • Loan Distribution: 484
4. Lahore
   • Loan Distribution: 1,690
5. Nankana
   • Loan Distribution: 314
6. Narowal
   • Loan Distribution: 357
7. Okara
   • Loan Distribution: 518
8. Pakpattan
   • Loan Distribution: 401
9. Sheikhupura
   • Loan Distribution: 512
10. Sialkot
    • Loan Distribution: 570

Rawalpindi Region:

1. Attock
   • Loan Distribution: 287
   • PHATA Region Wise Units: 2,198
2. Chakwal
   • Loan Distribution: 263
3. Gujrat
   • Loan Distribution: 466
4. Jhelum
   • Loan Distribution: 225
5. Mandi Bahauddin
   • Loan Distribution: 358
6. Rawalpindi
   • Loan Distribution: 600

South Region:

1. Bahawalnagar
   • Loan Distribution: 454
   • PHATA Region Wise Units: 1,684
2. Bahawalpur
   • Loan Distribution: 517
3. Rahim Yar Khan
   • Loan Distribution: 714
4. Multan
   • Loan Distribution: 726
5. DG Khan
   • Loan Distribution: 498
6. Khanewal
   • Loan Distribution: 458
7. Lodhran
   • Loan Distribution: 380
8. Rajanpur
   • Loan Distribution: 368
9. Sahiwal
   • Loan Distribution: 443
10. Vehari
    • Loan Distribution: 517

Total Loan Distribution:

• 17,500 units for each of the listed districts in the respective regions.