🏠 CM Punjab Apni Chhat Apna Ghar Scheme 2025 – 15 Lakh Loan Apply Online

Assalam o Alaikum Dosto! Punjab ki tareekh mein pehli baar, Chief Minister Punjab Maryam Nawaz Sharif ne ghareeb aur mutawasit tabqay (Middle Class) ke liye aik inqalabi housing project ka aaghaz kiya hai, jiska naam "Apni Chhat Apna Ghar Scheme 2025" hai.

Aaj ke is mehngai ke daur mein apna ghar banana kisi khwab se kam nahi raha. Saria, cement aur bajri ki qeematein asman se baatein kar rahi hain. Aise halat mein, Punjab Hukoomat ne awaam ko 15 Lakh Rupay tak ka Bila-Sood Qarza (Interest-Free Loan) dene ka faisla kiya hai.

SHM Jobs ki is tafseeli guide mein, hum aapko A to Z batayenge ke is scheme ke liye kon log eligible hain, monthly qist (installment) kitni hogi, aur aap ghar bethay acag.punjab.gov.pk portal par kaise apply kar sakte hain. Hum ne yeh article bilkul aasaan Roman Urdu mein likha hai taake har koi isay samajh sakay aur faida utha sakay.

1. Apni Chhat Apna Ghar Scheme Kya Hai?

Yeh scheme un logon ke liye design ki gayi hai jinke paas apna plot to hai lekin ghar banane ke paise nahi hain, ya wo log jo kiraye ke gharon mein reh rahe hain aur apna ghar banana chahte hain. Hukoomat ne isay 3 models mein taqseem kiya hai:

Model A: Sarkari Zameen Par Ghar

Is model mein hukoomat apni zameen par ghar bana kar degi. Yeh ghar 3 se 5 marla ke honge aur asaan aqsaat par diye jayenge.

Model B: Private Plot Owners (Sab se Popular)

Agar aapke paas apna 5 marla (Shehri ilaqay mein) ya 10 marla (Dehi ilaqay mein) ka plot hai, to hukoomat aapko ghar banane ke liye 15 Lakh Rupay ka qarza degi. Yeh qarza bila sood hoga.

Model C: PHATA Housing Schemes

Private Housing Schemes ke sath mil kar saste ghar faraham kiye jayenge.

Loan Wapsi Ka Plan (Installment Detail)

Hukoomat ne wapsi ka plan bohot hi aasaan rakha hai taake ghareeb aadmi par bojh na pare.

Total Loan	Rs. 1,500,000 (15 Lakh)
Duration	7 Years (7 Saal)
First 3 Months	Rs. 0 (Koi qist nahi deni)
Monthly Installment	Rs. 14,000 (Taqreeban)
Interest	0% (Free)

Note: Pehle 3 maheenay aapko koi qist nahi deni hogi taake aap sukoon se ghar ki tameer shuru kar sakein.

Eligibility Criteria (Kon Apply Kar Sakta Hai?)

Apply karne se pehle yeh shara'it (Conditions) zaroor parh lein, agar aap in par poora utarte hain tabhi apply karein:

• Nationality: Sirf Pakistani shehri aur Punjab ka Domicile rakhne walay afrad.
• Head of Family: Khandan ka sarbarah (Mard/Aurat) apply kar sakta hai.
• Plot Size:
  • Urban (Shehar): Maximum 5 Marla plot aapke naam par hona chahiye.
  • Rural (Gaon): Maximum 10 Marla plot aapke naam par hona chahiye.
• PMT Score: Poverty Score 60 se kam hona chahiye (BISP data ke mutabiq).
• Criminal Record: Applicant kisi bhi jurm mein mulawis na ho aur na hi kisi bank ka defaulter ho.

Zaroori Kaghazat (Documents)

Online apply karte waqt aapke paas darj zail cheezein scan shuda honi chahiye:

1. CNIC (Shanakhti Card) ki front aur back picture.
2. Aapki taza tareen Passport Size Tasweer.
3. Plot ki Malkiyat ka saboot (Registry, Fard, ya Inteqal).
4. Mobile Number (Jo aapke naam par registered ho).
5. Email Address (Optional).

Registration Ka Tareeqa (Step-by-Step Guide)

Hukoomat ne process ko 100% online kar diya hai taake aapko دفاتر ke chakkar na lagane paren. Niche diye gaye steps ko follow karein:

Step 1: Official Portal Visit Karein

Sab se pehle acag.punjab.gov.pk par jayen. Yeh official website hai.

Step 2: Account Banayen (Sign Up)

"Register" ke button par click karein. Apna poora naam, CNIC number, Mobile number aur Password likhein. Aapke mobile par aik OTP (Code) aayega, usay enter kar ke account verify karein.

Step 3: Login Karein

Ab apne CNIC aur Password ke sath Login karein.

Step 4: Form Fill Karein

Form mein 3 hissay honge:

• Personal Information: Naam, Walid ka naam, Pata, Domicile waghera.
• Plot Details: Plot kahan hai? Kitne marla hai? Kiske naam par hai? (Yahan Fard upload karein).
• Review: Sari maloomat check karein.

Step 5: Submit Karein

"Submit" ka button dabayen. Aapko aik Application ID mil jayegi. Isay sambhal kar rakhein.

SHM Jobs Opinion & Analysis

SHM Jobs ki team ka manna hai ke yeh scheme Punjab ke ghareeb awam ke liye aik "Game Changer" hai. 15 Lakh rupay mein aik chota ghar (Kamra, Kitchen, Bathroom) aaram se ban sakta hai. Sab se bari baat Bila Sood (Interest Free) hona hai, jo islami usoolon ke mutabiq bhi hai aur ghareeb par bojh bhi nahi dalta.

Caution (Ehtiyat):
Kisi bhi agent ya broker ko paisay mat dein. Yeh process bilkul muft hai. Agar koi aapse registration ke naam par paisay mangay to foran complaint karein. Sirf official website use karein.

FAQs – Aam Poochay Janay Walay Sawalat