Owning a home is one of life’s greatest blessings. A house is not just walls and a roof; it represents security, dreams, and a brighter future. But in today’s era, building a home with limited income has become a huge challenge for the middle class in Pakistan.
To address this issue, the Chief Minister of Punjab, Maryam Nawaz, has launched the Apni Chhat Apna Ghar Scheme. This program provides easy, interest-free housing loans with affordable monthly installments, helping 100,000 families across Punjab achieve their dream of owning a home.
Vision Behind the Scheme
Maryam Nawaz believes that every citizen has the right to a safe and beautiful home. Through this scheme, she aims to:
- Provide interest-free loans to eligible citizens.
- Ensure monthly installments as low as Rs. 14,000, which is equal to the rent of a small house.
- Facilitate construction of 1 to 5 Marla homes in rural areas and 1 to 10 Marla homes in cities.
- Create long-term housing solutions with durable designs approved by the Punjab Housing and Town Planning Agency (PHATA).
Project Models of Apni Chhat Apna Ghar
The scheme is divided into three main execution models to reach its goal of 100,000 homes:
Model 1 – State Land & Developers (10,000 Units)
- PHATA will provide infrastructure and approved housing designs.
- Developers must strictly follow government-approved designs.
- Installment amounts will be set according to house size and cost.
Model 2 – Private Housing Schemes (20,000 Units)
- Houses will be built under the Affordable Private Housing Scheme (APHS) Rules 2020.
- PHATA will approve the process through a one-window system for quick approvals.
- Installments will be deposited in an Escrow account, ensuring transparency.
Model 3 – Interest-Free Loans (70,000 Units)
- Eligible citizens owning small plots can apply for interest-free loans.
- The loan period will range from 5 to 7 years.
- 60% of the cost will be covered by the government, while 40% will be paid by beneficiaries.
Key Benefits for Citizens
The Apni Chhat Apna Ghar Scheme offers life-changing advantages:
- ✅ Interest-free housing loans for the middle class.
- ✅ Affordable installments starting from Rs. 14,000/month.
- ✅ First three months free from installment payments.
- ✅ Government subsidy of 60% on housing costs.
- ✅ Easy and transparent registration process.
- ✅ Boost in employment opportunities due to construction of 100,000 homes.
- ✅ Improved access to clean water, electricity, and sanitation for slum dwellers.
Eligibility Criteria
To qualify for this program, applicants must:
- Be the head of the family.
- Be a permanent resident of Punjab (as per NADRA record).
- Own land between 1 to 5 Marla in urban areas or 1 to 10 Marla in rural areas.
- Have a PMT score below 60% in the National Socio-Economic Registry (NSER).
- Have no criminal record or default history.
Installment & Payment Plan
- Beneficiaries pay 40% down payment within 5 years.
- Government provides 60% subsidy.
- Installments start after 3 months of approval, giving families time to prepare.
This makes the plan easier than paying house rent in most cities.
How to Apply for Apni Chhat Apna Ghar Scheme?
Applying is simple and can be done through three methods:
1. Online Registration
- Visit the official website: acag.punjab.gov.pk
- Click on Register Now.
- Fill in required details (CNIC, family head info, property documents, contact details).
2. Toll-Free Number
- Call 0800-09100 to apply via phone.
- A representative will record your details and complete registration.
3. Registration Centers
- Visit the nearest government registration center with your documents.
- Staff will guide you through the form submission.
Covered Cities
The scheme covers almost all major districts of Punjab, including:
- Lahore
- Rawalpindi
- Multan
- Faisalabad
- Sialkot
- Sargodha
- Bahawalpur
- DG Khan
- Attock
- Gujranwala
- Jhelum
- Sheikhupura
- Khanewal
- Rahim Yar Khan
- Toba Tek Singh
- Vehari
Expected Impact of the Scheme
- Reduction in slum populations and overcrowding.
- Improved access to basic services like water, electricity, and sanitation.
- Creation of thousands of new jobs in the construction sector.
- Empowerment of middle-class families with permanent homes.
Conclusion
The Apni Chhat Apna Ghar Scheme is a landmark initiative by Punjab’s Chief Minister Maryam Nawaz. By offering interest-free loans, affordable installments, and government subsidies, this scheme aims to turn the dream of home ownership into reality for thousands of low-income and middle-class families.
If you own a small plot of land in Punjab, this is your chance to secure your family’s future. Apply today and take the first step towards building your dream home.
