The Punjab government, led by Chief Minister Maryam Nawaz Sharif, has launched the “Apni Chhat Apna Ghar” program. This initiative aims to provide affordable housing solutions to low—and middle-income families across the province, facilitating home ownership through interest-free loans and subsidized housing units.
Program Overview
Objective
The primary goal of the program is to:
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Provide affordable housing to eligible families.
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Facilitate home construction and ownership through financial assistance.
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Promote socio-economic development by improving living standards.
Key Features
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Interest-Free Loans: Up to PKR 1.5 million for eligible applicants.
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Flexible Repayment Plans: Monthly installments range from PKR 14,000 to PKR 26,000 over five years.
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Government Subsidy: 60% of the housing cost is covered by the government.
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Online Application Process: Simplified digital platform for applications.
Eligibility Criteria
To qualify for the program, applicants must:
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Be permanent residents of Punjab.
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Own a plot of land: Up to 5 marlas in urban areas or up to 10 marlas in rural areas.
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Have a valid CNIC.
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Possess a clean criminal record.
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Demonstrate the financial capacity to repay the loan.
Application Process
Applicants can apply online by following these steps:
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Visit the official portal: acag.punjab.gov.pk
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Register an account using personal details.
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Fill out the application form with the required information.
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Upload necessary documents: CNIC, proof of income, and property ownership papers.
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Apply and await verification.
Program Achievements
As of April 2025:
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Over 1,800 houses have been completed.
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More than 22,600 houses are in the final stages of construction.
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Loans totaling over PKR 27.4 billion have been disbursed to over 25,500 families.
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Second installments have been granted to over 12,000 families.
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Approval for 2,000 additional loans has been granted.
Execution Models
The program operates under three execution models:
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Equity-Based Land Sharing: Collaboration between the government and developers to build housing units on state land.
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Affordable Housing Scheme Rule 2020: Implementation in private societies to construct affordable homes.
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Interest-Free Loans: Provision of loans to individuals for constructing homes on their own land.
Frequently Asked Questions (FAQs)
Q: Who can apply for the Apni Chhat Apna Ghar loan?
A: Permanent residents of Punjab who own land within the specified limits and meet the eligibility criteria.
Q: Is the loan interest-free?
A: Yes, the program offers interest-free loans with flexible repayment plans.
Q: What is the maximum loan amount?
A: Up to PKR 1.5 million, depending on the applicant’s eligibility and property size.
Q: How long is the repayment period?
A: The repayment period ranges up to five years, with monthly installments.
Conclusion
The “Apni Chhat Apna Ghar” program represents a significant step towards addressing housing challenges in Punjab. By providing financial assistance and facilitating home ownership, the government aims to improve living standards and promote economic stability among its citizens.
Hamayn bhi haq chaya him bhi gharib hayn susral say hisa mila to jagha naam hay par usay bananay ki himat nahi ghandar mayn ghozara kar rahay hum meray miya chat say ghir gay ab to kar mayn khanay say bhi thang hay buhat zayada do bachay hayn hamary ak beti ak bita hamay to koi imdad nai milti kabhi jis k pas allah ka diya sab kuch hay unhay hi miltay hayn mujay bhi insaf chaya 😭😭😭plz hamari bhi madad kar deyn