The Punjab Government has introduced a major update for applicants of the Apni Chat Apna Ghar and Mera Ghar Mera Ashiana schemes. Learn why the Green Property Certificate (GPC) is now required for property-related loans, what has changed after July 1, and how to obtain the certificate.
The Punjab Government has announced an important update that affects individuals applying for property-related loans under the Apni Chat Apna Ghar and Mera Ghar Mera Ashiana housing schemes. According to the latest clarification issued by the Punjab Land Records Authority (PLRA), significant changes have been made to the issuance of land ownership documents used for property transactions and loan applications.
Many people believed that all types of Fard (Record of Rights) had been discontinued after 1 July. However, the PLRA has clarified that only specific categories of Fard have been discontinued, while others will continue to be issued as before.
This update is particularly important for applicants seeking home construction or housing loans, as a Green Property Certificate (GPC) has now become mandatory in certain cases.
What Has Changed After 1 July?
The Punjab Land Records Authority has clarified that there is no complete ban on the issuance of all types of Fard.
Instead, the following changes have been implemented:
- Fard for Sale (Fard Baraye Bai) will no longer be issued.
- Fard for Obtaining Loans has also been discontinued.
- Other types of Fard remain available without any changes.
This means only property transactions involving sale or loan processing are affected by the new policy.
Green Property Certificate (GPC) Is Now Mandatory
Under the revised procedure, applicants can no longer use a traditional Fard for:
- Purchasing property
- Selling property
- Applying for property-related loans
Instead, they must obtain a Green Property Certificate (GPC) issued through the Punjab Land Records Authority.
The GPC will now serve as the official document for verifying property ownership in these transactions.
Impact on Apni Chat Apna Ghar and Mera Ghar Mera Ashiana Loan Applicants
This change is particularly important for individuals planning to apply for financing under the Apni Chat Apna Ghar and Mera Ghar Mera Ashiana housing schemes.
If a financial institution or government department requires proof of ownership for loan processing, applicants will now need to provide a Green Property Certificate instead of the traditional Fard issued for loan purposes.
Applicants should ensure that they complete the GPC process before submitting their loan applications to avoid unnecessary delays.
Which Types of Fard Will Continue to Be Issued?
The latest clarification confirms that several categories of Fard remain available.
These include:
- Fard for personal record
- Fard for bail/security purposes
- Fard required for utility connections
- Other non-sale and non-loan related purposes
Citizens requiring these documents can continue obtaining them from the relevant Land Record Center according to the existing procedure.
How to Obtain a Green Property Certificate
Applicants who need a Green Property Certificate should visit their respective Land Record Center.
The general procedure includes:
Step 1: Visit the Land Record Center
Go to the Land Record Center in the relevant tehsil where the property is located.
Step 2: Submit an Application
Apply for the Green Property Certificate and receive a processing token.
Step 3: Provide Property Details
Submit the required property information, including:
- Khasra Number
- Khata Number
- Ownership details
Step 4: Identity Verification
The applicant’s identity is verified through:
- Original CNIC
- NADRA biometric verification
- Registered mobile number verification
Step 5: Record Verification
The Land Record Center reviews:
- Ownership records
- Property transfers
- Mortgage status
- Tax records
- Any pending legal disputes
Step 6: Field Survey
If required, an official surveyor conducts a site inspection to verify:
- Property boundaries
- Physical possession
- GPS location
- Measurements
Step 7: Public Notice and Approval
A public notice may be issued to allow objections, if any.
After successful verification and approval, the Green Property Certificate is issued with security features and a QR code.
Documents Required
Applicants should carry the following documents when applying:
- Original CNIC
- Registered mobile number
- Property details (Khasra Number, Khata Number, etc.)
- Previous ownership documents
Important Points to Remember
- Only Fard for Sale and Fard for Loan have been discontinued.
- Other categories of Fard continue to be available.
- A Green Property Certificate is now required for buying, selling, and obtaining property-related loans.
- The certificate is issued through the Land Record Center, not by the local Patwari.
- Applicants should complete the GPC process before applying for housing loans.
Frequently Asked Questions
Has all issuance of Fard been stopped after 1 July?
No. Only Fard for sale and obtaining loans has been discontinued.
Is a Green Property Certificate mandatory for home loans?
Yes. According to the latest clarification, a Green Property Certificate is now required for property-related loan processing.
Does this affect the Apni Chat Apna Ghar scheme?
Yes. Applicants seeking loans under the Apni Chat Apna Ghar scheme may need to obtain a Green Property Certificate where proof of property ownership is required.
Is the Green Property Certificate also required for the Mera Ghar Mera Ashiana scheme?
Yes. Applicants for Mera Ghar Mera Ashiana housing loans should follow the updated property verification requirements issued by the Punjab Land Records Authority.
Who issues the Green Property Certificate?
The certificate is issued by the Punjab Land Records Authority (PLRA) through the relevant Land Record Center.
Can I still obtain a Fard for utility connections or personal use?
Yes. Fard for personal records, bail, utility connections, and other non-sale purposes continues to be issued as usual.
Conclusion
The Punjab Government’s latest clarification introduces an important procedural change for property buyers, sellers, and applicants seeking housing loans. While the issuance of all types of Fard has not been stopped, Fard for Sale and Fard for Loan are no longer available after 1 July.
For applicants of the Apni Chat Apna Ghar and Mera Ghar Mera Ashiana schemes, this means the Green Property Certificate (GPC) has become an essential document for property verification during the loan process. Citizens should visit their nearest Land Record Center, complete the verification process, and obtain the GPC before proceeding with their loan applications to ensure a smooth and timely approval process.
