In a powerful move to combat the housing crisis among low-income families, the Government of Punjab has launched the “Apni Chhat, Apna Ghar” scheme, which translates to “Own Roof, Own Home.” This initiative, spearheaded by Chief Minister Maryam Nawaz Sharif, offers interest-free home loans to help the underprivileged construct houses on their own land. By empowering residents to build safe, permanent shelters, this program marks a new era in social welfare and economic stability across Punjab.
Objective of the Scheme
The “Apni Chhat, Apna Ghar” initiative aims to provide affordable housing solutions to those who already own land but lack the financial resources to construct a home. The main goals of this program are
- The program aims to decrease the number of homeless individuals in Punjab.
- To empower landowners to build safe and secure homes.
- We aim to offer zero-interest financial assistance to alleviate the burden of debt on families.
- We aim to create jobs by boosting construction activities at the local level.
This is not just a welfare scheme—it is a bold step toward social equity and human dignity.
Read Also: BISP Program Payments Started—Good News for Deserving Families
Loan Features
The most attractive feature of this scheme is the interest-free loan of up to PKR 1.5 million (PKR 15 lakhs) per family. Here are the key financial details:
- Loan Amount: Up to PKR 1.5 million per eligible household.
- Interest Rate: 0%—absolutely interest-free.
- Repayment Period: 7 years, with easy monthly installments.
- Monthly Installment: Approx. PKR 14,000.
- Grace Period: 3 months—no payment required for the first three months after disbursement.
- Collateral: Land ownership document (no commercial mortgage required).
These features are designed to ensure affordability while maintaining financial responsibility among the beneficiaries.
Who Can Apply?
To ensure the loans go to truly deserving families, the government has outlined specific eligibility criteria:
- The applicant must already own land
- Up to 5 marlas in urban areas, or
- Up to 10 marlas in rural areas
- Must be a resident of Punjab with a valid CNIC.
- Socio-Economic Background
- Must fall within the low-income bracket, verified through NSER/BISP data.
- Must not be involved in criminal activity or be a loan defaulter.
Only one person per family can apply, and preference is given to women, widows, disabled individuals, and families in extreme poverty.
Balloting System
A monthly balloting system processes loan approvals due to high demand, ensuring fairness and transparency. The government notifies selected beneficiaries through SMS, email, or direct contact. This system prevents favoritism and ensures that only qualified and registered applicants are selected.
Progress So Far (as of 2025)
Since its launch, the scheme has gained tremendous momentum.
- Over 28,000 families have already received funding.
- The scheme has disbursed PKR 30 billion by mid-2025.
- Construction of 23,500 houses is actively underway.
- A target of 40,000 new homes is set for completion by the end of the year.
People praise the initiative for promoting inclusive development, empowering landowners, and revitalizing local economies through housing construction.
Read also: CM Punjab Aghosh Program 2025—Latest Update and Full Details
Economic and Social Impact
This scheme is expected to have a significant long-term impact:
- Poverty Reduction: Families save on rent and gain property ownership.
- Job Creation: Thousands of construction-related jobs created.
- Empowerment of Women: Female landowners are prioritized.
- Stability: Provides long-term shelter and security for marginalized communities.
By giving the poor the means to build their homes, the government is not only improving living standards but also enhancing dignity and social inclusion.
Need Help Applying?
Applicants can contact the official helpline at 0800-09100 or visit the nearest facilitation center for assistance. The website also provides application status updates and FAQs.
✅ Final Thoughts
The “Apni Chhat, Apna Ghar” Scheme is more than just a loan—it is a dream turned into reality for thousands of deserving families. With transparent procedures, interest-free loans, and government-backed support, it is paving the way toward a more inclusive and prosperous Punjab. If you own a piece of land and meet the criteria, this is your chance to build a better future— brick by brick