In a bold move to fight housing poverty and support low-income families, the Government of Punjab has introduced the Apni Chhat Apna Ghar Scheme 2025. This housing initiative allows deserving citizens to apply for an interest-free loan of up to Rs. 15 lakh (1.5 million) to either build a new house or purchase an existing one.
The project is a major step toward the dream of “Har Ghar Apna Ghar” (every family having its own home) and is especially beneficial for the working class, daily wage earners, and those living in rented or temporary accommodations. This article covers everything you need to know about the scheme, from eligibility criteria to how to apply online.
🎯 Objective of the Scheme
The primary goal of the Apni Chhat Apna Ghar Scheme is to offer financial help without any interest charges, allowing low-income families to own a house without facing the burden of conventional loans. The government aims to reduce the housing gap in the province and promote economic inclusion by providing secure and affordable living.
✅ Who Can Apply?
To benefit from the scheme, applicants must meet the following criteria:
- Must be a citizen of Punjab with a valid CNIC.
- Monthly income should not exceed Rs. 60,000.
- The applicant or their spouse must not own any house or residential land.
- Must be between 20 and 60 years of age.
- No criminal or bank defaulter record.
- Must be able to repay the loan in monthly installments.
This program targets widows, orphans, laborers, small vendors, and the unemployed who have never owned property.
🧾 Required Documents
Applicants are required to provide the following documents at the time of registration:
- Valid CNIC (applicant and spouse)
- Income certificate or affidavit
- Utility bill or proof of residence
- Two passport-size photographs
- Family registration certificate (FRC)
- Rent agreement (if applicable)
All documents should be scanned and uploaded during the online application process.
🖥️ How to Apply Online?
The Punjab Government has launched a user-friendly online portal to facilitate the application process:
Step 1:
Click on “Apply Now” under the Apni Chhat Apna Ghar section.
Step 2:
Create an account by entering your CNIC, mobile number, and a secure password.
Step 4:
Fill out the form with your personal details, monthly income, housing status, and contact information.
Step 5:
Upload all required documents and submit your application.
Step 6:
Once submitted, your application will go into the verification phase by NADRA and the Punjab Housing Department.
💰 Loan Details and Repayment Plan
- Maximum loan amount: Rs. 1,500,000 (1.5 million)
- Type of loan: Interest-free (Qarz-e-Hasna)
- Installments: Easy monthly payments
- Repayment period: Up to 20 years
- Service fee: None
The loan will be disbursed after approval, and beneficiaries must begin construction or purchase within a specific time limit.
Read Also: BISP 8171 June 2025 Big Update Rs. 13,500 Payment Started for Eligible Families
🏘️ Construction Guidelines
Once the loan is approved:
- Construction must start within 6 months.
- The house must be completed within 2 years.
- The house cannot be sold or transferred for 5 years.
- The land or house must be used only for residential purposes.
Violation of these terms can result in loan cancellation or legal action.
📍 Scheme Coverage Areas
The scheme is currently active in the following districts, with plans to expand further:
- Lahore
- Rawalpindi
- Faisalabad
- Multan
- Sargodha
- Bahawalpur
- Dera Ghazi Khan
- Rahim Yar Khan
- Sialkot
Applicants are encouraged to apply from their local district to increase chances of approval.
🔍 How to Track Application Status
You can track the status of your application by logging into the same portal where you registered. The dashboard will show updates on verification, loan approval, and disbursement.
📞 Contact Information
For more information or assistance, contact:
- Phone: 0800-09100
- Working Hours: Monday to Friday, 9 AM to 5 PM
📌 Conclusion
The Apni Chhat Apna Ghar Scheme 2025 is a golden opportunity for poor and middle-class families to finally become homeowners. With an interest-free loan of up to Rs. 15 lakh, the government has truly empowered the people to take control of their future.
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