The “Apni Chhat Apna Ghar” Scheme was made by the Government of Punjab, with Chief Minister Maryam Nawaz in charge. Its goal is to help poor people and give low-income families more power. This landmark initiative provides interest-free loans of up to PKR 1.5 million to eligible individuals for constructing their own houses on existing land.
As of July 2025, the program has reached new milestones in both funding and disbursement, marking a significant shift in affordable housing accessibility across the province. In this article, we’ll explore the scheme’s latest updates, eligibility criteria, application process, and the impact it’s making on thousands of families.
July 2025 Update: Massive Funding Released
In July 2025, the Punjab government released a record-breaking PKR 42.013 billion under its development budget to accelerate the loan distribution process. This financial injection comes as part of the 2025–26 fiscal plan, further expanding the scope of the housing project. To date, the total disbursed amount has exceeded PKR 60 billion, directly benefiting more than 51,911 families.
Of these beneficiaries, over 6,160 homes have already been completed, while approximately 45,000 houses are currently under construction throughout Punjab. This surge in funding reflects the government’s strong commitment to resolving the urban and rural housing crisis and providing long-term support for the lower-income population.
Loan Details
The Apni Chhat Apna Ghar scheme allows eligible applicants to obtain interest-free loans of up to PKR 1.5 million. Here are the key features:
- Loan Amount: Up to PKR 1.5 million (1,500,000)
- Repayment Period: 7 years (84 months)
- Grace Period: 3 months before repayments begin
- Monthly Installment: Approximately PKR 14,000
- Interest Rate: 0% (fully subsidized by the Government of Punjab)
- Land Requirement: Construction must be done on owned land—up to 5 Marla in urban and 10 Marla in rural areas
The purpose of this loan is strictly for residential construction on land that is already owned by the applicant or their family.
Who is Eligible?
To maintain transparency and fairness, the government has established strict eligibility criteria:
- Permanent Residency: Must be a citizen of Pakistan with a permanent address in Punjab
- Land Ownership: Must own residential land within the defined area limits (5 Marla urban, 10 Marla rural)
- No Previous Housing Loan: Applicant must not have availed a similar loan from any public scheme
- Clean Credit History: Should not be a defaulter in any loan or utility bill payment
- Income Verification: Must demonstrate the ability to repay the loan (e.g., income certificate, BISP enrollment, salary slips)
- Priority Beneficiaries: Daily wage workers, widows, small vendors, orphans, and people living in substandard housing
The program ensures that marginalized segments of society receive preference, especially those who have no secure roof over their heads.
How to Apply for the Apni Chhat Apna Ghar Scheme
The application process has been made simple and accessible through an official online portal. Here’s how to apply:
Step-by-Step Guide
- Visit the Portal: Go to the official website at acag.punjab.gov.pk
- Create an Account: Register using your CNIC and phone number
- Fill the Application Form: Provide personal details, family information, and land documents.
- Submit the Form: After verifying all details, submit the form and save your tracking number
- Track Application: Use the portal to check the application status regularly
You may also contact the helpline at 0800-09100 for assistance or visit your nearest district facilitation center for in-person support.
Progress So Far
Since the
- Over 50,000 families have been approved for interest-free loans
- More than 6,000 homes have been completed and handed over to owners
- Thousands more are in various stages of construction
There is also a proposal under review to increase the loan amount to PKR 2 million in future phases to support two-story construction or better quality materials.
Terms and Conditions
After receiving the loan, beneficiaries must follow these terms:
- Construction must begin within 3 months of loan disbursement
- The house must be completed within 2 years
- The land must remain in the applicant’s name during the repayment period
- The house cannot be sold, leased, or transferred for 5 years
- Misuse of funds or violation of any terms will result in loan cancellation and legal action
These conditions ensure the integrity of the program and prevent exploitation or misuse.
✅ Final Thoughts
The Apni Chhat Apna Ghar scheme is one of the most impactful housing initiatives ever launched in Punjab. By offering interest-free loans up to PKR 1.5 million, the government is not just helping people build houses but giving them dignity, security, and hope for a better future. This program reflects a powerful shift in public policy—moving from charity to empowerment. If you or someone in your community meets the criteria, apply now via acag.punjab.gov.pk and take a step toward owning a home.
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