Apni Chhat Apna Ghar – Owning a Home in Punjab, Pakistan

The dream of owning a home is a cherished one for many Pakistanis. However, financial constraints can often make this dream seem unreachable. Enter the Apni Chhat Apna Ghar scheme, a revolutionary initiative launched by the Punjab government to empower citizens with affordable housing solutions.

This comprehensive guide, brought to you by Emperor Marketing, will equip you with all the information you need to navigate the application process for Apni Chhat and Apna Ghar.

Understanding the Apni Chhat Apna Ghar Scheme

Apni Chhat Apna Ghar, translating to “Your Roof, Your Home,” is a multifaceted project designed to address the housing needs of underprivileged families in Punjab. It operates through two distinct programs:

• Apni Chhat (Your Roof): This program focuses on providing financial assistance for constructing a roof extension on an existing residence. This allows families to utilize existing infrastructure and create additional living space.
• Apna Ghar (Your Home): This program caters to families without a permanent home. It involves the construction of new, affordable housing units by the government and subsequent allocation to eligible applicants.

Here are some key benefits of the Apni Chhat Apna Ghar Scheme:

• Financial Support: The scheme provides financial aid to families, significantly reducing the burden of constructing a roof extension or purchasing a new home.
• Improved Living Conditions: By enabling families to expand their living space or acquire a new home, the scheme promotes better living conditions and overall wellbeing.
• Empowerment: Owning a home fosters a sense of security and stability for families, empowering them to build a brighter future.

Eligibility Criteria for Apni Chhat Apna Ghar

Before you apply, ensure you meet the eligibility criteria for either Apni Chhat Apna Ghar:

Apni Chhat:

• Citizenship: You must be a Pakistani citizen residing in Punjab.
• Income: Your monthly family income should not exceed PKR 60,000.
• Ownership: You should not own any other house or plot exceeding five acres.
• Age: Your age must fall between 18 and 55 years.
• Government Benefits: You cannot have previously received any housing-related grants or plots from the Punjab government.

Apna Ghar:

• Citizenship: Similar to Apni Chhat, you must be a Pakistani citizen residing in Punjab.
• Income: The maximum monthly family income for Apna Ghar applicants is also PKR 60,000.
• Ownership: You must not own any other house or plot.
• Accommodation: You should be currently residing in a rented house or living in inadequate housing conditions.

Additional factors to consider:

• Domicile: While information varies across sources, some reports suggest a requirement for permanent Punjab domicile. It’s best to check with official sources for the latest updates.
• Dependants: The number of dependents in your family may influence your eligibility.
• Poverty Score: Some sources mention a poverty score requirement. However, confirmation about this specific criterion is advisable.

Remember: The eligibility criteria may be subject to change. Always consult the official government website or designated government offices for the most up-to-date information.

Required Documents for Application

Once you’ve confirmed your eligibility, gather the following documents for your application:

• CNIC (Computerized National Identity Card): Copies of yours and your spouse’s (if applicable) CNICs.
• Income Proof: Documents verifying your monthly income, such as salary slips, business registration documents, or agricultural income proofs.
• Residence Proof: Utility bills, rent receipts, or other documents showcasing your current residence in Punjab.
• Land Ownership Documents: If applicable, proof that you don’t own any land exceeding five acres.
• Family Information: Documents outlining your family composition (marriage certificate, birth certificates of children, etc.).
• Photographs: Passport-sized photographs of yourself and your family members.

Note: This is a general list. Additional documents might be required depending on the specific program you are applying for.

Application Process for Apni Chhat Apna Ghar

There are two primary application methods for Apni Chhat Apna Ghar:

Online Application:

1. Website: Once the online portal opens (check official government sources for updates), visit the designated website for Apni Chhat and Apna Ghar applications.
2. Registration: Create an account by providing your CNIC number, contact information, and other essential details.
3. Application Form: Log in and navigate to the application section. Fill out the application form carefully, ensuring all information is accurate and complete

Online Application 

1. Document Uploading: Upload scanned copies of all required documents as specified in the application form.
2. Submission: Review all entered information and submitted documents for accuracy. Once satisfied, submit your application.
3. Acknowledgement: You will receive an acknowledgement or reference number upon successful submission.

Offline Application:

1. Application Form: Obtain an application form from the designated government offices or download it from the official website.
2. Form Filling: Complete the application form with accurate and legible information.
3. Document Attachment: Attach all necessary documents in their original or attested copies.
4. Submission: Submit the completed application form and documents to the specified government office.
5. Acknowledgement: You will receive a receipt or acknowledgement upon submission.

Note: The specific steps and requirements for online and offline applications may vary. It’s crucial to consult the official government guidelines for the most accurate and up-to-date information.

Application Status and Verification

Once you’ve submitted your application, you’ll need to follow up on its status. Here’s how:

• Online Portal: If you applied online, the portal may provide updates on your application progress.
• Government Offices: Visit the designated government office to inquire about your application status.
• Verification: Be prepared to provide additional documents or information if required during the verification process.

Timeline and Expected Outcomes

The timeline for processing Apni Chhat and Apna Ghar applications can vary. Factors such as the number of applications, available resources, and government efficiency play a role.

Expected Outcomes:

• Approval: If your application is approved, you will be notified about the next steps, which may include site visits, financial disbursement, or house allocation.
• Rejection: In case of rejection, you will receive a notification explaining the reasons for disapproval. You may have the option to reapply with corrected information.
• Waitlist: If the scheme receives an overwhelming response, you might be placed on a waitlist. You will be contacted when a unit becomes available.

Tips for a Successful Application

• Accuracy: Ensure all information provided in your application is accurate and complete.
• Timeliness: Submit your application within the specified timeframe.
• Documentation: Keep copies of all submitted documents for your records.
• Follow-up: Regularly check the status of your application.
• Patience: The application process may take time. Be patient and persistent.

Contact Information

For any inquiries or assistance regarding Apni Chhat Apna Ghar, contact the following:

• Government Department: Chairman P&D, Secretary Housing
• Official Website: https://punjab.gov.pk/node/5603

By following this comprehensive guide and staying informed, you can increase your chances of successfully applying for Apni Chhat Apna Ghar and realizing your dream of owning a home.