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Introduction
The Apni Chhat Apna Ghar Program is a landmark initiative launched by the Chief Minister of Punjab. The scheme is designed to provide 100,000 affordable houses and apartments to eligible residents across the province, significantly impacting Punjab’s housing sector. This program is targeted at low-income individuals and families who currently reside in rented accommodations or informal settlements, enabling them to own their homes. The program is set to deliver these homes within four and a half years, utilizing three distinct execution models.
The Punjab Housing & Town Planning Agency (PHATA) is the executing body, while the Housing, Urban Development and Public Health Engineering Department (HUD&PHED) oversees the administrative aspects of the program.
Expected Outcomes
The Apni Chhat Apna Ghar Program is anticipated to deliver numerous benefits:
- Improved Living Conditions: Enhances the quality of life for low-income families.
- Reduction in Overcrowding and Slums: Decreases the number of people living in cramped and substandard conditions.
- Enhanced Access to Basic Amenities: Improves access to water, sanitation, and electricity.
- Increased Community Safety and Security: Promotes safer and more secure living environments.
- Positive Social Impact: Strengthens social cohesion and community development.
- Economic Growth: The construction of 100,000 houses is expected to generate approximately half a million jobs, boosting the economy.
Execution Models
Model 1: Equity-Based Land Sharing (10,000 Housing Units)
This model involves constructing housing units or apartments on state land through an equity-based land-sharing agreement between developers and PHATA.
- Infrastructure Development: Developers will handle the construction of roads, utilities, and other amenities according to PHATA’s design and scope.
- Land Use Plan: PHATA provides a preliminary land use plan for developers, who may request approval for revisions.
- Cost and Construction: Developers bear the full cost of infrastructure and housing construction in exchange for state land, with no subsidies from the government.
- Pricing and Installments: The government determines the price and installment plans for each housing unit.
Model 2: Affordable Private Housing Scheme (20,000 Housing Units)
This model requires developers to allocate 20% or more of residential areas within private housing schemes approved by PHATA under the Affordable Private Housing Scheme (APHS) Rules 2020.
- Approval Process: The Government of Punjab implements a one-window mechanism to streamline approvals.
- Down Payment and Subsidy: Allottees make down payments via an escrow account, supplemented by a government subsidy of PKR 1 million.
- Payment Plan: Remaining payments are made over five years, with developers receiving funds from the escrow account upon meeting agreed milestones.
Model 3: Interest-Free Loans (70,000 Units)
This model focuses on providing interest-free loans for house construction through a revolving fund.
- Eligibility: Residents of Punjab with a residential plot of up to 5 marlas in urban areas or 10 marlas in rural areas can apply.
- Loan Terms: Loans up to PKR 1.5 million with a tenure of 7 years, repayable in easy monthly installments.
- Disbursement: The loan amount will be released in tranches to beneficiaries.
Eligibility Criteria
The following table outlines the eligibility criteria for the program:
| SR. NO. | Eligibility Criteria |
|---|---|
| 1 | The applicant must be the head of his/her beta (nucleus) family as per NADRA records. |
| 2 | The applicant must be a permanent resident of Punjab as per his/her CNIC. |
| 3 | The applicant must be the sole owner and possessor of a parcel of land measuring 5 marlas or less in urban areas or up to 10 marlas in rural areas in Punjab. |
| 4 | The applicant should not have a criminal record, such as convictions for anti-state, anti-social activities, or heinous crimes. |
| 5 | The applicant should not be a loan defaulter of any financial institution or bank. |
| 6 | The applicant must be registered with the National Socio-Economic Registry (NSER) in a household with a PMT score of 60 or less. |
District-Wise Quota of Loans
The table below shows the district-wise loan distribution under the program:
| Zone | PHATA Region | Districts | Loan Distribution | PHATA Region-wise Units Packaging |
|---|---|---|---|---|
| Center | Bhakar | Bhakar | 283 | 1,913 |
| Khushab | 243 | |||
| Layyah | 366 | |||
| Mianwali | 307 | |||
| Muzaffargarh | 714 | |||
| Faisalabad | Chiniot | 313 | 2,511 | |
| Faisalabad | 851 | |||
| Jhang | 451 | |||
| Sargodha | 520 | |||
| Toba Tek Singh | 376 | |||
| North | Lahore | Gujranwala | 657 | 5,804 |
| Hafizabad | 302 | |||
| Kasur | 484 | |||
| Lahore | 1,690 | |||
| Nankana | 314 | |||
| Narowal | 357 | |||
| Okara | 518 | |||
| Pakpattan | 401 | |||
| Sheikhupura | 512 | |||
| Sialkot | 570 | |||
| Rawalpindi | Attock | 287 | 2,198 | |
| Chakwal | 263 | |||
| Gujrat | 466 | |||
| Jhelum | 225 | |||
| Mandi Bahauddin | 358 | |||
| Rawalpindi | 600 | |||
| South | Bahawalpur | Bahawalnagar | 454 | 1,684 |
| Bahawalpur | 517 | |||
| Rahim Yar Khan | 714 | |||
| Multan | DG Khan | 498 | 3,390 | |
| Khanewal | 458 | |||
| Lodhran | 380 | |||
| Multan | 726 | |||
| Rajanpur | 368 | |||
| Sahiwal | 443 | |||
| Vehari | 517 |
This distribution plan ensures that the benefits of the Apni Chhat Apna Ghar Program are extended equitably across all regions of Punjab.