Apni Chhat Apna Ghar with BOP
Apni Chhat Apna Ghar with BOP. Apni Chhat Apna Ghar Program: New Milestone with Bank of Punjab. The Punjab government has launched a comprehensive housing scheme named “Apni Chhat Apna Ghar” to make it possible to provide houses to low-income people. The main objective of this initiative is to support those who are unable to afford their own homes. To fulfill this mission, the Punjab government has partnered with the Bank of Punjab to make the provision of interest-free loans systematic, transparent, and easy.
This scheme is part of the vision of Punjab Chief Minister Maryam Nawaz, which promises to provide a roof to every family. Under the “Apni Chhat Apna Ghar” program, interest-free loans are provided to deserving individuals so that they can obtain financial resources to construct or purchase a house. The goal of this program is to provide houses to millions of families in the next few years.
Role of the Bank of Punjab
Bank of Punjab has joined this scheme as a key partner and has developed a systematic and merit-based system of loan distribution. The main objective of this partnership is to provide loans to every applicant without recommendation and in a transparent manner. The bank decides, after thorough screening, to provide loans, so that only eligible individuals get this facility.
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Loan Terms
- Loan Amount: Up to a maximum of Rs. 15 lakh
- Repayment Tenure: 7 years
- Grace Period: 3 months
- Monthly Installment: Approximately Rs. 14,000 (interest-free)
- Collateral: Land or house ownership in Punjab
Eligibility Criteria
- The applicant must be a permanent resident of Punjab
- The applicant must have land measuring 5 marla (urban areas) or 10 marla (rural areas).
- The applicant must have never benefited from a government housing scheme before
- The National Identity Card (CNIC) is mandatory
How to Apply
Applications can be made online on the specific portal of the provincial government. In addition, a helpline number has also been provided so that the public can get guidance. Loan approval is given after a thorough examination.
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Progress so far
Thousands of people have benefited from this scheme so far. Construction of houses is underway in several districts, with some houses already completed. The government has allocated billions of rupees for the scheme to expand the project.
Financial Assistance Status
- The Punjab government has allocated Rs 62 billion for this program by June 2025.
- In just a few months of the program’s inception, interest-free loans worth Rs8.5 billion have been provided to over 9,000 people.
- About 5,000 loans were provided in Phase I, and work has begun on another 3,000 loans in Phase II.
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Future goals
The government intends to provide houses to at least one lakh families annually. This is not just a housing scheme, but the foundation of a social transformation that is leading the poor and middle classes of Pakistan towards self-reliance.
Closing remarks
The partnership between the “Apni Chhat Apna Ghar” program and Bank of Punjab is a step that not only provides financial assistance but also gives people the opportunity to live a dignified life. If this program continues at the same pace, the number of homeless people in Punjab is expected to decrease significantly in the next few years.
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