Own house own roof on behalf of Punjab government. What house can be built in 15 lakhs?

 A few days ago, the government of Pakistan's Punjab province has announced a project called 'Apni Chhat Apna Ghar' by announcing to give loans in easy installments to low-income people who want to build their own houses across the province.

However, after the announcement of the government to give a loan of only up to 15 lakh rupees under this scheme, a question is being raised that whether it is possible to build a house with this amount of money or not.

On the other hand, it is being criticized by some quarters that in the context of the financial problems faced by Pakistan, such schemes are nothing but a burden on the exchequer and may have political motives behind them.

It should be remembered that after assuming this post, Punjab Chief Minister Maryam Nawaz has so far announced several projects in the name of Roshan Gharana Program, Apna Chhat Apna Ghar, interest-free tractors, Khelta Punjab, solar system, livestock card.

In such a situation, the question is that if these projects reach completion, how many people will benefit?

It is also important to see what are the ground realities of these schemes, has work started on any scheme or are they just political slogans? Is the PML-N getting any political benefit from the announcements of the schemes and can the announcements of the immediate relief schemes be a result of political pressure?

Before knowing the answers to these questions, let's see what is the 'Apni Chhat Apna Ghar' scheme and is it possible to build a house in 15 lakhs?What is your own roof, your own home scheme?

According to the Punjab government, under this project, a loan of up to 15 lakh rupees will be given to build a house, which will have to be paid back in five to seven years.

People taking loans for building a house will not have to pay any installment for the first three months, but thereafter the monthly installment will be 14 thousand rupees.

Under the program, if an applicant has land up to 5 marlas in urban areas and 10 marlas in rural areas, he will be given this loan.

Punjab Housing and Town Planning Agency Director General Saif Anwar told the BBC that the process of taking applications for the scheme has already started, which will be followed by a draw.

He said that the name of the applicant who will come out in the lottery, then his plot or land will be evaluated.

The engineer will examine the plot and it will be seen whether a house can be built on this land or not and only after that permission for construction will be given.

He further said that banks are not included in the scheme but the money will be given in two or three installments through microfinance institutions.

Saif Anwar added that this process will not stop. People will apply, we will draw lots, check their land and give loans.

He said that the government will build as many houses as there is demand.Is it possible to build a house in 15 lakh rupees?

People keep questioning the Punjab government's 'Apni Chhat Apna Ghar' project whether it is possible to build a house with this amount. The BBC has tried to find an answer to the same question.

Speaking to BBC, Ghulam Shabbir, who is associated with the construction department in Islamabad, said that the construction cost has increased a lot recently.

For example, a bag of cement has increased from five to six hundred rupees to 1500 now. The cost of wood and iron for making doors has also become very house..It takes eight to one million rupees to build just the foundation of a five-marla house. You can't even put a lantern in this money.

Talking about the Punjab government's plan, Ghulam Shabbir said, "I think they will only build walls and put temporary girder on top." Nothing more than this can be done in this budget.

He said that the crude lantern is not even safe in rains and there is a fear of its falling. Concrete is needed to build a strong house.

How much burden do these schemes put on the public exchequer?

Where does the provincial government get the money for such schemes, especially those that are not included in the budget?

According to the Chief Minister House official, people's money should be spent on public projects. Some government employees get relief in various fields, so the common man also has the right. The budget of some schemes may also be the result of different types of savings and this money is also withdrawn from the development funds of other sectors.

It should be noted that subsidies on some items given by the government are kept within the budget and on some, like the two-month relief given in electricity rates, funds for them are withdrawn from development schemes.

Political analyst Tahir Kamran opines that such sudden relief schemes divert money mostly from the education and health sectors.

How much burden do these schemes put on the public exchequer?

Where does the provincial government get the money for such schemes, especially those that are not included in the budget?

According to the Chief Minister House official, people's money should be spent on public projects. Some government employees get relief in various fields, so the common man also has the right. The budget of some schemes may also be the result of different types of savings and this money is also withdrawn from the development funds of other sectors.

It should be noted that subsidies on some items given by the government are kept within the budget and on some, like the two-month relief given in electricity rates, funds for them are withdrawn from development schemes.

Political analyst Tahir Kamran opines that such sudden relief schemes divert money mostly from the education and health sectors.

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