Apni Chhat Apna Ghar 2025

Apni Chhat Apna Ghar 2025: The Punjab Government has launched a revolutionary initiative called Apni Chhat Apna Ghar, spearheaded by Chief Minister Maryam Nawaz Sharif. This housing scheme aims to provide interest-free loans of up to Rs. 15 lakh to low-income families, enabling them to construct their own homes on pre-owned plots. With easy installment plans, transparent eligibility criteria, and a simple application process, this scheme is a game-changer for those who dream of having a home but lack the financial resources.

In this article, we will explore the complete details of the Apni Chhat Apna Ghar Scheme, including eligibility, loan structure, application method, and key highlights, ensuring you understand how to benefit from this opportunity.

What is the Apni Chhat Apna Ghar Scheme?

The Apni Chhat Apna Ghar initiative is a landmark project by the Government of Punjab to address the housing crisis among the underprivileged. Announced by Chief Minister Maryam Nawaz, this program will facilitate 70,000 families with interest-free loans of Rs. 15 lakh, making it easier for them to construct houses on their own land.

Whether you own a 5-marla or 10-marla plot, this scheme ensures that you can build your dream home through affordable seven-year installment plans. It is designed to empower low-income households with long-term housing stability and dignity.

Also Read:Government of Pakistan Expands Ehsaas Program: NADRA Includes 3 Million More Families in 2025

Key Features of the Scheme

Here are some of the major features of the Apni Chhat Apna Ghar Scheme:

• Interest-Free Loan: Eligible families can receive up to Rs. 1.5 million (15 lakh) without paying any interest.

• Seven-Year Installment Plan: The repayment duration is set at seven years, with monthly installments of Rs. 14,000.

• No Installments for First 3 Months: Beneficiaries won’t have to pay any installment for the first three months.

• Urban and Rural Eligibility:

  • In urban areas, plot owners with 1 to 5 marla land are eligible.

  • In rural areas, owners with 1 to 10 marla plots can apply.

• First Phase: In the initial rollout, 7,000 families will benefit from the scheme.

This project is a strong step toward poverty alleviation and urban development in Punjab.

Who is Eligible?

To apply for the Apni Chhat Apna Ghar scheme, applicants must meet the following eligibility criteria:

1. Land Ownership: You must own a plot between 5 to 10 marla (depending on your location).

2. Low-Income Status: Your monthly income should be low enough to be classified as financially underprivileged.

3. Lack of Housing: You must not already own a constructed house.

4. Bank Account Requirements:

   • You should not own any major bank accounts.

   • If you do, your bank balance must be less than Rs. 100,000.

5. Permanent Residency in Punjab: This scheme is only valid for residents of the Punjab province.

These criteria ensure that the scheme targets only the truly deserving households who are in need of support to build a permanent shelter.

How do you apply for a Rs. 15 Lakh loan?

The application process is simple and accessible to everyone. You can apply for the Apni Chhat Apna Ghar loan both online and through your local DC office. Here’s a step-by-step guide:

Step 1: Pre-Registration

• Visit your nearest Deputy Commissioner (DC) office.

• Obtain and fill out the registration form for the Apni Chhat Apna Ghar scheme.

• Submit the required documents, including:

  • CNIC copy

  • Proof of land ownership

  • Income certificate

  • Bank account statement (if any)

Step 2: Online Application (Soon to be Launched)

The Punjab government is also working on launching an online portal where citizens can apply from home. The process will include:

• Visiting the official Punjab Government housing website.

• Filling out the digital form.

• Uploading scanned documents.

• Tracking your application status in real time.

Once your application is approved, you will receive confirmation and loan disbursement instructions.

Benefits of the Scheme

The Apni Chhat Apna Ghar Scheme is not just about building homes—it’s about building hope, security, and self-reliance. Here are some of the top benefits:

• ✅ Zero Interest: You pay only what you borrow—no hidden charges.

• ✅ Affordable Payments: With Rs. 14,000 monthly installments, low-income families can manage repayment.

• ✅ Fast Track Processing: Applications are processed quickly to ensure timely loan delivery.

• ✅ Women-Friendly: Widows, single mothers, and female-headed households are encouraged to apply.

• ✅ District-Wide Reach: The scheme aims to reach every district in Punjab within five years.

This project represents a massive step forward in affordable housing and is expected to improve the lives of thousands of families across the province.

Maryam Nawaz’s Vision for Punjab

Chief Minister Maryam Nawaz Sharif has emphasized the importance of inclusive development. During her press conference, she highlighted that:

“Many people in Punjab still do not have a roof over their heads. Our mission is to ensure that every deserving family has their own home. We work 16 hours a day to make this a reality.”

She further mentioned that this scheme is part of a larger social welfare initiative, complementing other programs like:

• BISP (Benazir Income Support Program)

• Free Rashan Distribution

• Bike Scheme for Students

These programs collectively aim to uplift the poor and build a strong, self-sufficient Punjab.

Helpline for Support

If you need assistance or have questions about your application, you can contact the official helpline:

📞 0800-09100

The helpline allows you to:

• Check the status of your application.

• File complaints or report issues.

• Get step-by-step guidance on how to apply.

This ensures transparency and accessibility, especially for citizens living in remote areas.

Also Read:8171 BISP May 2025 Installment: Who Is Eligible for the Rs. 13,500 Installment?

Final Thoughts

The Apni Chhat Apna Ghar Scheme 2025 by Maryam Nawaz Sharif is a groundbreaking initiative that delivers practical solutions to real problems. By providing interest-free loans up to Rs. 15 lakh, it opens the door for thousands of deserving families to finally achieve their dream of owning a home.

This program is more than just financial assistance—it’s an opportunity for social stability, economic empowerment, and improved quality of life for the most vulnerable segments of society.

If you meet the eligibility criteria, don’t wait. Complete your registration today and take the first step toward securing your future and building your own home.