apna Ghar Scheme download application form

apna Ghar Scheme download application form
CLICK HERE

Apna Ghar Scheem Bank’s Policy

About Scheme

• Purchase of House/Flat
• Construction of house on self-owned plot
• Purchase of plot & construction thereon
• Renovation/Home improvement

Yes, if you are

Can I Avail House Loan Facility?

• Salaried individuals (SI)
• Self Employed Professionals (SEP)
• Self Employed Businessman (SEB)
• Non Resident Pakistanis (NRPs) and quality eligibility criteria

   What is Eligibility Criteria

Salaried Individual (SI)

• Age between 21 & 60 years
• Permanent / contractual employee with minimum 03 years experience

Businessman & Professionals (SEP/SEB)

• Age between 25 & 65 years
• Minimum 03 Years in current business.

Non Resident Pakistanis

• Age between 25 & 65 years Have valid documentary proof of at lease 03 years of perpetual income in foreign country as salaried individual or SEB/ SEP

How Much Loan Facility Can I Avail ?

Purchase of House/Flat & Construction

• Minimum Rs.500,000/- Maximum Rs.50.0 Million for

Renovation/Home Improvement Monthly

• Minimum Rs. 200,000/- Maximum Rs. 5.0 Million for

Monthly Installment(s) should not exceed 50% of disposable income 

What is the Tenure of Loan ?

3 to 20 years  (for Purchase of House & construction on self owned plot & purchase of plot & construction thereon)
1 to 10 years (Renovation/home improvement)

What is the Markup Rate ?   

1 Year ask side KIBOR 350 bps (For Salaried Individual)
1 Yeas ask side KIBOR 450 bps (For SEB/SEP/NRPs)

What Other Charges Do I Have To Pay ?

Processing Charges( including ECIB & verification charges)

Loan amount Upto  Rs.10.0 M -      Rs. 10,000/-
Loan amount Upto  Rs.20.0 M -      Rs. 20,000/-

Documentation Charges = Actual
Property Insurance and Life Assurance = At actual
Late Payment Penalties = Rs  1/- per thousand per day of installment amount
Pre-payment / pre-partial payment Penalty

•   5% if adjusted during First three year
•   4% if adjusted in 4^th year
•   2% if adjusted in 5^th year
•   1% if adjusted after 5th year
  
  

  What Documents Are Required ?

  For salaried & Businessman & Self Employed Professionals
  
• Copy of valid CNIC
• Two Recent passport size Photographs
• Bank Statement ( last 06 month for salaried persons and 01 year for SEP / SEB/ NRPs)
• Latest Copy of utility bills of residence & office
• Documentary evidence in business or in the profession for the last 03 years
• Copy of professional degree for self-employed professionals
• Copy Proprietorship Certificate/Partnership Deed or Form 29 (if customer is a businessman / director of the company)

For Non Resident Pakistanis

• Copy of valid passport at time of approval
• Copy of valid residency / work permit VISA
• Bank statement of last 01 year in foreign country showing income source
• Documentary proof of employment / business / profession from last 03 years in foreign country of residence
• Any documentary evidence of living address/stay in Pakist

How Can I Avail The Facility ?

• Download application form ==> Attach required Documents & send to nearest Consumer Financing Centre (CFC) OR
• Contact our nearest Consumer Financing Center (CFC) OR
• Email your contact number at apnaghar@bop.com.pk

• 
  

PM approves low-cost �Apna Ghar� housing scheme

ISLAMABAD (Web Desk) - Prime Minister Muhammad Nawaz Sharif Monday approved the establishment of a company under the supervision of the
Ministry of Housing and Works to initiate a government housing scheme for the low-income strata of society.
The scheme would be called “Apna Ghar” scheme. The Prime Minister made these directions while presiding over a high-level meeting on low-income housing scheme here at the Prime Minister House this evening.
The Prime Minister said that the objective of this scheme is to provide housing units to low-income sections of society at low-cost and easy installments.
He further directed that a separate package should be initiated under the rubric of the “Apna Ghar” housing scheme for the needy, widows etc. and that such people be separately given financial assistance to pay the installments.
The Prime Minister resolved that a respectable living on the models of Turkey and China would be made available to the citizens of the country.
The Prime Minister directed the Ministry of Housing and Works to chalk out all the details and other criteria of the project by the end of this month.
It was also decided in the meeting to make an Advisory Board to look after the affairs of the housing scheme.
The Prime Minister was apprised during the meeting that provinces have been written for the site selection and allocation of land for the project.
Minister for Finance Muhammad Ishaq Dar, Minister for Information Senator Pervaiz Rashid, Minister of State for Housing and Works Usman Ibrahim and other senior government officials also attended the meeting.
The Prime Minister resolved that a respectable living on the models of Turkey and China would be made available to the citizen of the country.

The Prime Minister directed the Ministry of Housing & Works to chalk out all the details and other criteria of the project by the end of this month.
It was also decided in the meeting to make an Advisory Board to look after the affairs of the housing scheme. The Prime Minister was apprised during the meeting that provinces have been written for the site selection and allocation of land for the project.
Minister for Finance Mr. Muhammad Ishaq Dar, Minister for Information Senator Pervez Rashid, MoS Housing and Works Mr. Usman Ibrahim and other senior government officials also attended the meeting.

Ashiana Housing Project (AHP)

Objectives:

1. Increase and improve the supply of housing, available and affordable to low and moderate income groups
2. Establishment of a sustainable community living
   
3. Ensuring decent and modern ambiance in each housing scheme
   
4. Bringing down the cost of the houses while not compromising on the quality
   
5. Making the project affordable for the target groups through easy installment plans
   
6. Ensuring transparency and fair play at every step
   

Eligibility Criteria:

1. The applicant should have domicile of Punjab.
2. The applicant should be having income less than Rs. 50,000/month.
   
3. The applicant should be living in a rented house and not posses his/her own house or plot.
4. The applicant should not be more than 55 years of age.
   
5. Should not alloted with any house or plot from Government of Punjab.

Additional Information:

1. Down payment of 20% is mandatory after verification of particulars.
2. Possession will be given at any time within 1.5 to 4 years.
3. 
   

Salient Features of the Project:

External Infrastructure:

1. Transport (Lahore Only)

Internal infrastructure to cater for all the needs of decent and modern living:

1. Carpeted roads
2. Sewerage
3. Drainage
4. Water supply
5. Electrification

Amenities:

1. School
2. Open Spaces/Landscaping/Parks
3. Commercial Area
4. Graveyard
5. Entertainment
6. Community Centers
7. Health Clubs
8. Playing Grounds
9. Food Chains/Stalls
10. Management of Schemes by the community itself – Community
11. Executive Committees

 

Payment Plan:

1. 25% Advance, remaining amount to be paid in easy installments.
2. Subsidy by the Government of Punjab on monthly installments

Ashiana-Housing-Scheme-2014

General Dermatology Hair Loss

Humans are unique in sporting a thick growth of hair localized to the scalp.  Whatever protection from the elements this may have afforded our ancestors seems to have devolved into a concern related more to appearance than to function.  In some cultures, great importance is attached to having a beautiful mane of hair, and much time and money may be spent on maintaining that. 

To begin to understand hair loss, a few facts about hair growth: Each hair goes through a growing phase of several years (anagen) a resting phase of several months (catagen), and a shedding phase (telogen).  Normally one loses 50 to 100 hairs daily. 

A few extra hairs shed per day may cause alarm.  The concern is that loss will be rapid and progressive, and lead to complete baldness.  A visit to the dermatologist may quell concerns and present options for the treatment of hair loss. 

The evaluation begins with the question, “Is the hair breaking or being shed?”  Hair breakage typically comes from inappropriate use of chemicals, cosmetic products, or styles which involve traction (pulling).

Hair shedding, on the other hand, may denote a systemic process.  Thyroid disease, anemia, medications, hormonal changes, low dietary protein, high fever, or surgery all may precipitate hair loss.  A complete medical evaluation, with laboratory studies, by a dermatologist is needed.

Diseases of the scalp, such as lupus and alopecia areata, infections, or psoriasis may also cause hair loss.  Evaluation and biopsy may disclose a treatable illness.

Hereditary thinning of the hair, or androgenetic alopecia, occurs in men and women.  When it is identified as the cause of hair loss, several types of treatment may be appropriate.

In short, hair loss is a symptom which may stem from many causes.  Evaluation may explain, and often permit, treatment of the loss.

Cosmetic Treatments Fraxel© Laser Therapy

Fraxel fractional resurfacing is a new and exciting technology for sun damage, enlarged pores, wrinkles, skin discolorations, melasma, and acne scars. Fraxel is a unique approach to repairing aging and sun-damaged skin pixel by pixel, spot by spot.

How Fraxel Laser Works

Fraxel Laser Treatment produces thousands of tiny but deep columns of treatment in your skin, known as microthermal treatment zones. This treatment eliminates old epidermal pigmented cells. It also penetrates deep into the dermis. Just as important, though, are the areas of skin the Fraxel laser leaves untouched. For every microthermal zone the laser targets and treats intensively, it leaves the surrounding tissue unaffected and intact. This "fractional" treatment allows the skin to heal much faster than if the entire area were treated at once, using the body's natural healing process to create new, healthy tighter tissue to replace skin imperfections.

In an FDA-cleared study of Fraxel treatment of skin around the eyes, patients, investigators, and a review panel of expert dermatologists all reported significant improvements in skin texture, wrinkles, and skin discolorations such as age spots and sun spots.

Fraxel Treatment Plan

Before treatment, you and your doctor will discuss which area(s) of your skin is appropriate for treatment, what kind of results you can expect, what to look for after treatment, and how often treatment will be scheduled. Because Fraxel Laser treatment spares healthy tissue, it is effective even on delicate skin areas, such as the neck, chest, and hands.

Preparing For Treatment

Fraxel Laser Treatment can be performed using only a topical anesthetic. The treatment area will be thoroughly cleansed prior to the procedure.

What Happens After Treatment

You will experience a mild sunburn sensation for about an hour and then virtually no discomfort. The skin will have a pinkish tone for five to seven days. New epidermal skin develops within 24 hours. This process of skin repair involves:

• Bronzing: Your skin will have a bronze appearance that lasts anywhere from three to fourteen days, depending on the treatment level.
• Flaking: Your skin will naturally and vigorously exfoliate as the reorganized epidermal skin replaces dead tissue. Flaking is similar to that of minor sunburn, without the associated pain. Use of a moisturizer will mask the appearance of flaking.
• Sunscreen: Use sunscreen at least twice daily to protect your skin from sun exposure during the healing phase and for several months after treatment. Apply a moisturizing sun block with an SPF of at least 30-plus. For added protection from sunlight, use wide-brimmed hats.

Over the following weeks and months, the body repairs the deeper dermal tissues that have been affected by Fraxel Laser treatment, producing beneficial changes associated with a healthy appearance of your skin.