Apni Chat Apna Ghar Scheme 2025
CM Maryam Nawaz Sharif launched the “Apni Chhat, Apna Ghar” housing initiative, which aims to give 100,000 low-income families in Punjab access to affordable homes over the course of four and a half years. This initiative, which is led by the Punjab Housing & Town Planning Agency (PHATA) in collaboration with the Housing, Urban Development & Public Health Engineering Department (HUD&PHED), is a major step in the direction of housing equity.
The program offers respectable and sustainable housing options to people who are currently renting or residing in informal settlements. Essential utilities like electricity, clean water, and sanitary facilities will be included in the homes, along with planned payment schedules to make them more affordable.
Key Objectives of Scheme
- Improve low-income communities’ quality of life by providing safe, considerate housing.
- Reduce overcrowding and breathe new life into unofficial neighborhoods.
- Encourage the construction and related industries to create jobs, which are expected to create 500,000 new jobs.
- Through inclusive development, strengthen social cohesion and increase local economic involvement.
Eligibility Criteria:
In order to ensure fair access, candidates must meet the following requirements:
- NADRA records show that they are the head of a nuclear family.
- Punjabi resident, as verified by CNIC.
- The sole proprietor of a maximum of five marlas (urban) or ten marlas (rural) of Punjabi land.
- No criminal record, including serious or anti-state offenses.
- not a government loan defaulter.
- NSER/PMT score of 60 or lower, though later updates have loosened this requirement.
- Exclusions: Applicants living outside of Punjab, property owners, and those who already own homes are not eligible.
Benefits of the Apni Chat Apna Ghar Project:
Interest-Free Loans: For many people, owning a home is a desirable goal, but the burden of high interest rates often discourages them from pursuing this objective. By offering interest-free loans along with additional relief measures, the Apni Chat Apna Ghar Scheme removes this barrier. The government provides 60% of the loan amount through this program, with the remaining 40% being paid down by the recipients.
Cost-effective: The loan provides a great deal of affordability and convenience after qualifying. You have financial flexibility because there are no payments required for the first three months. Families can afford it because the monthly payment is only 14,000 once repayments start. You can start building your dream home with this affordable amount, which is even less than what many people pay each month for auto loans.
Simplified Registration Process: A quick and simple registration process has been designed. All applicants need to do is provide their personal information and the required paperwork. By filling out an online form, contacting the designated toll-free number, or going to the nearest registration center in your area, you can quickly complete the process.
Permanent Residency: The Apni Chat Apna Ghar Program is very helpful for low-income families and homeless people. It is especially beneficial for people who own land but lack the funds to construct a house. The government has taken the initiative to offer assistance in recognition of this problem. Families are able to build and establish a permanent home through this program.
Project Detail:
- Program Name: Apni Chat Apna Ghar
- Introduced by: CM Punjab Maryam Nawaz
- Goal: To supply one’s own housing
- Objective: Obtain a loan for 100,000 homes
- Amount of Installment: 26,000 Pakistani Rupees
- Government Subsidy: The government provides 60% of the funding.
- Down Payment: 40% from the Recipient
- Duration of Installment: 5 years
Launch & Disbursement Progress:
- The acag.punjab.gov.pk portal was introduced in August 2024, marking the official launch of the initiative. Offline applications were also taken at DC offices.
- The Chief Minister authorized a PKR 62 billion budget in January 2025, with the intention of lending money to 40,000 recipients by May.
- In late 2024, more than 850 beneficiaries received PKR 600 million as a result of the first tranche.
- By April 2025, over 25,500 loans with a combined value of PKR 27.43 billion had been authorized. More than 22,600 homes are presently under construction, 1,806 of which have already been finished.
- The program accomplished a noteworthy milestone by August 2025: 62,500 homes were built in just six months, with PKR 74 billion disbursed and an outstanding 99.9% repayment rate.
Stats & Milestone Progress:
- The Punjab government announced a budget of 62 billion rupees.
- Completed Houses (as of April 2025): 22,600 in progress, 1,806 completed.
- More than 25,500 families received loans totaling PKR 27.43 billion.
- Impact in Six Months (August 2025): 99.9% recovery rate, PKR 74 billion disbursed, and 62,500 homes built.
What Do Candidates Need to Understand?
Subsidy and Loan Structure: About 40% of housing units receive subsidies, with the remaining amount being paid back through interest-free loans up to PKR 1.5 million or soft installment plans.
Proof of Application Procedures: Go to the acag.punjab.gov.pk website, complete the Citizen Registration Form, and attach the required paperwork (such as proof of land or CNIC).
Process of Allocation: A digital and transparent system is in place for home allocation. Applicants must ensure their applications are completed truthfully and can track their progress through the online platform or at DC offices.
How to Apply:
Information and Documentation Required for the Application:
To properly apply for this program, candidates must send in the following data and supporting documentation:
- Full name according to NADRA.
- Original CNIC number.
- CNIC of the family head; it should be the father or husband.
- Current contact details, such as phone number and email address.
- Details about the applicant’s gender.
- Home address, including city, division, and district.
- Verified records of property ownership.
- For new portal registrations, a secure password; for returning users, an existing password.
- To apply, click here: https://apnichatapnaghar.com.pk
Conclusion:
“Apni Chhat, Apna Ghar” is Pakistan’s most ambitious housing project to date. It aims to empower low-income families by promoting community development and homeownership.
With notable milestones, transparent repayment procedures, and a growing presence across Punjab’s districts, this program aims to build better futures rather than just houses.
Frequently Asked Questions:
Q1: What are the eligibility criteria for this scheme?
People with no criminal or loan default records who are heads of households, permanent residents of Punjab, and owners of qualifying land (≤5 marlas urban or ≤10 marlas rural).
Q2: How much financial assistance is given?
In addition to interest-free or low-interest loans of up to PKR 1.5 million that are repayable over a number of years, there are subsidies of up to 40% per unit.
Q3: What is the procedure for handling applications?
Applications can be submitted offline at DC offices or online at acag.punjab.gov.pk. It uses a fair allocation system and a one-window portal.
Q4: What is the current number of completed homes?
About 1,800 homes had been finished as of April 2025; by August 2025, 62,500 homes had been delivered, with PKR 74 billion in loans disbursed.
Q5: Are these initiatives successful and transparent?
Yes, accountability and trust are ensured by a nearly 100% loan recovery rate, transparent digital disbursement, and active public communication.