Apni Chat Apna Ghar Scheme, Home Loan, Punjab

Apply for Apni Chat Apna Ghar Scheme 2025 and get an interest-free loan in Punjab. Build your home with Rs. 14,000/month. Apply now.

Punjab Chief Minister Maryam Nawaz holds the view that every citizen deserves the opportunity to build a beautiful and secure home. To support this vision, she introduced a cost-effective and interest-free loan initiative that enables residents of Multan, Faisalabad, Sialkot, Sargodha, and Rawalpindi to construct their dream house.

This scheme includes three different implementation models, with a target of building 100,000 houses in these major urban centers. Understanding the financial burden faced by middle-class families, the scheme has set the monthly installment at just Rs. 14,000 — which matches the typical rent of a small-sized home. Any individual owning 1 to 5 marla land in rural regions or 1 to 10 marla in city areas is eligible to apply for this loan.

Project’s Vision Apna Chat Apna Ghar Scheme

The objective of the Apni Chat Apna Ghar Scheme project is to offer shelter to individuals with low income. To support this, Chief Minister Maryam Nawaz has set the monthly installment at an affordable rate of Rs. 14,000. Additionally, she guaranteed that the home designs would remain functional and reliable over an extended period. To further reassure applicants, she directed that model homes be constructed within six weeks. This initiative will allow beneficiaries to visualize their future residence for greater confidence..

A Message from Chief Minister Punjab

وزیر اعلی پنجاب کا  پیغام
اپنی چھت اپنا گھر پروگرام جو میرے دل کے بہت قریب ہے اِس میں آپ کا خیر مقدم کرتے ہوئے مجھے بے حد خوشی اور اطمینان ہے۔ ہمارا پنجاب میں خاندان کے لیے سستے گھر فراہم کرنے کا مقصد سادہ لیکن بہت شاندار ہے۔ گھر کا مالک ہونا صرف دیواروں اور چھتوں کی حد تک محدود نہیں بلکہ یہ سلامتی، باوقار زندگی، روشن مستقبل اور خوابوں کی تعبیرکے مترادف ہے۔ آپ چاہے مزدور ہیں، اُستاد ہیں یا کسی چھوٹے کاروبار کے مالک ہیں، یہ پروگرام آپ سب کو مدنظر رکھتے ہوئے تشکیل دیا گیا ہے۔ ہمیں ادراک ہے کہ ہر شہری ایک محفوظ اور آرام دہ گھر کا مستحق ہے۔

ڈویلپرز، مالیاتی اداروں اور ہماری ہونہار اورمحنتی ٹیم کے باہمی تعاون کے ذریعے ہم پنجاب کے ہر شہری کے لیے گھر کی ملکیت کی رسائی کے لیے پر عزم ہیں۔ ہمارے تشکیل دئیے گئے ماڈلز چاہے وہ بڑے شہروں میں گھر فراہم کرنے کے عوض سرکاری زمین کی فراہمی ہو یا اِس پروگرام کے تحت نجی ہاؤسنگ سکیموں میں سستے مکانات سے مستفید ہونے والے معزز شہریوں کو سبسڈی مہیا کرنا ہو یا شہری علاقوں میں 5 مرلہ تک پلاٹ مالکان بمعہ قبضہ اور دیہاتی علاقوں میں 10 مرلہ تک پلاٹ مالکان بمعہ قبضہ کو بلاسود قرضہ فراہم کرنا ہو، یہ سب کے سب ہمارے کم آمدنی والے خاندانوں کی ترقی کے عزم کی عکاسی کرتے ہیں۔ تبدیلی کے اِس سفر میں آپ ہمارا ساتھ دیں اور ہم مل کر صرف گھر ہی نہیں بلکہ ایک ایسا معاشرہ تشکیل دیں جہاں خواب حقیقت کاروپ دھارتے ہوں۔

آپ کی خیراندیش
مریم نواز شریف

Expected Outcomes

The expected result of this scheme will make Punjab a better living place for the middle class. Here are some major impacts of Apni Chat Apna Ghar Scheme:

• The middle-class families will get a better living place. 
• As people fail to get their home, they try to adjust in any available space that results in overcrowding. Therefore, the aim of this scheme is to reduce overcrowding.
• People who live in slum areas cannot get basic human needs, i.e., drinking water, electricity and sanitation. After this scheme, they get access to all these basic needs to improve their lifestyle. 
• As building a home requires labor; therefore, building 100,000 houses increases job availability. 
• The Apni Chat Apna Ghar Scheme focuses on providing a better life to deserving families and it will cast a positive impact over beneficiaries. 

Details

• Project Name: Apni Chat Apna Ghar Scheme
• Launched By: CM Punjab Maryam Nawaz
• Objective: To provide own shelter
• Goal: Loan for 100,000 houses
• Installment Amount: 26000 Pakistani Rupees
• Government Subsidy: 60% provided by Government
• Down Payment: 40% by Beneficiary
• Installment Period: 5 years 

District Based Quota of Loans

Sr. No.	Zone	PHATA Region	Districts	Loan Distribution	PHATA Region wise Units	Packaging
1	Center	Bhakar	Bhakar	283	1913	4423
2			Khushab	243
3			Layyah	366
4			Mianwali	307
5			Muzaffargarh	714
6		Faisalabad	Chiniot	313	2511
7			Faisalabad	851
8			Jhang	451
9			Sargodha	520
10			Toba Tek Singh	376
11	North	Lahore	Gujranwala	657	5804	8003
12			Hafizabad	302
13			Kasur	484
14			Lahore	1690
15			Nankana	314
16			Narowal	357
17			Okara	518
18			Pakpattan	401
19			Sheikhupura	512
20			Sialkot	570
21		Rawalpindi	Attock	287	2198
22			Chakwal	263
23			Gujrat	466
24			Jhelum	225
25			Mandi Bahauddin	358
26			Rawalpindi	600
27	South	Bahawalpur	Bahawalnagar	454	1684	5074
28			Bahawalpur	517
29			Rahim Yar Khan	714
30		Multan	DG Khan	498	3390
31			Khanewal	458
32			Lodhran	380
33			Multan	726
34			Rajanpur	368
35			Sahiwal	443
36			Vehari	517
				17500	17500	17500

Execution Models

In this model, the team is determined to facilitate the housing construction and equity-based or state land sharing between PHATA and developers.

1. The PHATA will provide infrastructure and construction structure to the developers. 
2. Developers are strictly ordered to follow the design provided by PHATA.
3. Developers cannot make any changes in infrastructure, if they want any change, they should get the approval. 
4. As PHATA is the provider of infrastructure and all the material to make sure high quality construction within the decided budget. 
5. On construction of state land the government will not hold any subsidy for infrastructure. 
6. The government will decide the installment amount according to house/unit construction size and design. 
7. The PHATA will be responsible for trunk infrastructure through block allocation under the permission of the Punjab government.

Execution Model-2 (Tentative 20,000 Housing Units)

In this model, the government will work on houses in residential areas. For construction of each house the developers will be responsible to get approval from PHATA under the Affordable Private Housing Scheme (APHS) Rules 2020.

1. In this execution model the government will facilitate the low income and middle class families.
2. Private Housing Schemes under APHS Rules, 2020 will release the approval for developers. 
3. Government will determined to provide streamlined approval process through one-window mechanism. This will result in swift approval without passing through multiple places. 
4. The house size and design will be provided by PHATA. Also, this agency will be responsible for deciding the installments and the time period. All transactions will be executed through an Escrow account. 
5. The developer will receive the installment amount and once allottee will complete the 5 year loan period, the developer will officially allot the home to allottee. 
6. PHATA will supervise all construction process to ensure work quality.
7. Developers will get the decided amount through Escrow account once they complete designed milstone.

Execution Model-3 (Tentative 70,000 loan for Housing Units)

In this model, the eligible citizens will get interest-free loan with subsidy by government.

1. People who have 1 to 5 marla plot in cities and 1 to 10 marla plot in rural area can apply for the loan on ACAG’s website: www.acag.punjab.gov.pk 
2. The loan tenure can be from 5 to 7 years and the installment amount will depend on repayment time. 
3. Operational cost and tax will completely covered by government.

Initial Verification Process

The PHATA is responsible for the verification process and it will start the verification at the end of the registration process. The verification will happen through following ways:

• Family designation through data from NADRA.
• Check the PMT score and it should be under 60. 
• The land ownership will be verified through PLRA, Cooperatives Department, Development Authorities, etc.  

Benefits Of Apni Chat Apna Ghar Scheme        

Interest-Free Loans For Apni Chat Apna Ghar Scheme

Many individuals aspire to build their own homes and remain eager to secure a loan. However, high interest rates often discourage them from pursuing this goal. In contrast, the Apni Chat Apna Ghar Scheme provides an interest-free loan along with several additional benefits. Furthermore, the government will cover 60% of the loan amount, while the remaining 40% must be contributed as a down payment by the beneficiaries 

Affordable

Once you qualify for the loan, there is no payment required during the first three months. Even when the repayment begins, the monthly installment is just Rs. 14,000, making it extremely budget-friendly. Just think — you have the chance to build a beautiful home of your own with a monthly payment of only Rs. 14,000. In fact, that’s even less than what many people spend each month on a car. 

Easy Registration Process

To register, there’s no lengthy procedure involved — you simply need to submit the necessary documents and information. You can complete the online form, contact the toll-free number provided, or visit the nearest registration center in your city.      

Permanent Residence 

For individuals who are homeless or living in poverty, the Apni Chat Apna Ghar program is truly a blessing. Those who own land but are unable to construct a house due to financial limitations now have hope. The government recognized this problem and took action to assist. Through this scheme, people are given the chance to own a permanent home..

Apni Chat Apna Ghar Scheme Subsidy

The Punjab government introduced this program specifically for middle-class families, which is why it bears the majority of the cost. Under this scheme, beneficiaries are required to contribute a 40% down payment over a period of five years through manageable monthly installments. The remaining 60% will be funded by the government.

Eligible Cities 

Although the scheme launched in Punjab, still, only residents of following cities can apply and get benefits of Apni Chat Apna Ghar project:

• Rawalpindi
• Lahore
• Multan
• Sargodha
• Faisalabad 
• Sialkot
• Attock
• Bahawalnagar
• Bahawalpur
• Bhakkar
• Chakwal
• Chiniot
• Dera Ghazi Khan
• Gujranwala
• Gujrat
• Hafizabad
• Jhang
• Jhelum
• Kasur
• Khanewal
• Khushab
• Layyah
• Lodhran
• Mandi Bahauddin
• Mianwali
• Muzaffargarh
• Nankana Sahib
• Narowal
• Okara
• Pakpattan
• Rahim Yar Khan
• Rajanpur
• Rawalpindi
• Sahiwal
• Sargodha
• Sheikhupura
• Sialkot
• Toba Tek Singh
• Vehari
  

Eligibility Criteria

Anyone is eligible to apply for the Apni Chhat Apna Ghar Scheme; however, there are certain conditions attached to this scheme, and meeting them can improve your chances of loan approval. Below are the eligibility requirements for this loan program. 

1. For application, you should have the designation of head of the family.
2. In Nadra record, you must be a permanent resident of Punjab province.
3. You must own land from 1 to 5 Marla in urban area while 1 to 10 Marla in urban area. 
4. You should have no crime record or any FIR registered against you. 
5. You should not be a financial defaulter.
6. You must be a registered individual of the National Socio-Economic Registry (NSER).
7. Also, the score must be less than 60% for qualification. 

Installment Plan

Individuals who are unable to construct a house because of limited financial means can easily manage the installment plan under the Apni Chhat Apna Ghar scheme. If you qualify for this program and are selected as a beneficiary, you are required to pay only 40% as a down payment. The duration for completing this payment is five years.

The Chief Minister mentioned that she intentionally set the installment amount and repayment period to be easily manageable for the middle class. Her aim was to support them, recognizing that people also need funds for daily expenses and unexpected medical costs. The assigned amount is very reasonable — similar to the rent of a small home in a rural area. Additionally, the installment payments will begin after three months to provide maximum financial ease. 

How to Apply for Apni Chhat Apna Ghar Scheme?

Required Information And Documents To Fill The Form

To qualify this program you have to provide following information and documents:

• Full name registered in NADRA.
• CNIC number
• CNIC number of head of the family ( Husband/ Father).
• Contact information, i.e., phone number and email. 
• Gender
• Address, i.e., division, district and city. 
• Property ownership documents 
• Create user password if you are first time on the portal while if you already have an account, provide your password for confirmation.

Register Now (ابھی رجسٹر کریں۔)

Online Registration

Do you want to fill out a form without leaving the comfort of your house? You can apply through new website designs by the Punjab government. Here is step-by-step application process: 

• Open the official website of scheme, i.e., https://acag.punjab.gov.pk/ 
• Now tap on the registration button given on the top-right corner. 
• It will lead you to the online registration form. Fill all required information. Make sure to share authentic information; otherwise, you will get disqualified.
• Lastly press on registration button and you are good to go. 

You apply online, if you have a laptop or mobile with active internet connection. Also, you can take help from people who have knowledge of online registration. However, if you have no such facility, you can choose the next two options.  

Toll-Free Number

You can participate in the Apni Chat Apna Ghar program by using a toll-free number, i.e., 0800-09100. Call on this phone number for information and registration. The person on the phone will ask for all required information and fill the form from your side. 

Physical Availability of Application Forms

If you are unable to apply through online resources, you can simply visit the nearest registration center. There you need to provide all above shared details and documents. The government representative will fill the form from your side. 

Conclusion

If you belong to a low-income family and own a small land area, Apni Chat Apna Ghar scheme is a golden opportunity for you. The Punjab Chief Minister Maryam Nawaz fairly understands the need of personal home and its importance. Therefore, she launched this scheme to improve the socio-economic situations in Punjab. Apply for this interest-free loan and start building your dream home.

FAQs

What is the subsidy provided by the government?

The government offers a 6% subsidy for the Apni Chat Apna Ghar program. The other 40% down payment is on beneficiaries that they can pay in 14,000 monthly installments within 5 years. 

How much does a beneficiary have to pay for this scheme?

The overall payment is not on beneficiaries, government cover a major portion of loan. The government provide 60% subsidy while remaining 40% on beneficiaries.

How many houses will be constructed initially?

10,000 state land houses will be constructed in 1st execution plan under the supervision PHATA. Is it compulsory to own land to fit in eligibility criteria for Apni Chat Apna Ghar Scheme? Yes, the loan is to build the home structure; therefore, if you didn’t own the land, you cannot build a home. To enroll in this program, you should own land area from 1 to 5 Marla in city while from 1 to 10 Marla in villages.         

For More Info Abour Himmat Card Kindly Visit:
Himmat Card Online Registration Complete Guide