CM Punjab Apni Chhat Apna Ghar Program || Interest-Free Loan Up to 1.5 Million Latest 2025 Update

The Punjab Government, under the leadership of Chief Minister Maryam Nawaz, has introduced a life-changing opportunity for low-income families in the province through the Apni Chhat Apna Ghar Programme. This initiative is designed to support people who own land but are unable to build or renovate a house due to financial constraints. As of 2025, the government has expanded the scheme with a major update—interest-free loans of up to PKR 1.5 million (15 lakh) for eligible families. Here is everything you need to know about this revolutionary housing scheme, including eligibility, loan features, the application process, and the latest updates.

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🏡 What Is the Apni Chhat Apna Ghar Programme?

The “Apni Chhat Apna Ghar” (Your Roof, Your Home) programme aims to provide financial assistance to landowners who do not have the resources to build a house. Instead of providing free plots or constructed homes, the government offers interest-free housing loans to help citizens construct, expand, or renovate their houses on already owned land.

💸 July 2025 Update – Loan Increased to 15 Lakh

The most significant update in 2025 is the increase of the loan limit to Rs 1.5 million. This step is meant to allow more flexibility for beneficiaries to build a quality home according to their needs.

Other updates include:

Expansion of eligibility to include owners of 3-marla urban plots.
Phase 2 of the scheme has already started in major cities and rural districts.
Over 9,000 families have received loans under this programme, with more applications being processed.

✅ Key Features of the Loan

Interest-Free: The loan is completely free from interest or hidden fees.
Loan Limit: Up to Rs 1.5 million, depending on the size of the land and construction plan.
Repayment Period: 7 to 9 years with easy monthly instalments.
Grace Period: The first 3 months of repayment are interest-free with no payment due.
Disbursement Method: Funds are transferred in instalments according to the progress of construction.

📋 Who Is Eligible?

To apply for the Apni Chhat Apna Ghar loan, you must fulfilthe following criteria:

Be a resident of Punjab and a Pakistani citizen.
Must own a plot of land in your name (3 marla in cities or up to 10 marla in rural areas).
Must not already own a constructed house.
Be registered in the NSER/BISPBISP survey.
Must have a clean criminal and financial record.
Have valid CNIC and family documentation.

This scheme is especially designed for widows, orphans, disabled persons, and daily wage earners who lack access to bank loans.

📝 How to Apply?

There are two ways to apply: online and offline.

Online Method:

Register and create an account.
Fill in the application form.
Upload required documents:
Submit and wait for verification.
Track your application via SMS or website.

Offline Method:

Visit your nearest Deputy Commissioner (DC) office or Tehsil office.
Go to the Apni Chhat Apna Ghar Desk.
Fill out the physical form and submit copies of required documents.
Receive confirmation via SMS if selected.

Read Also: Ehsaas Apna Ghar Apni Chat Scheme Online Registration ehsasapnaghar.bok.com.pk

📈 Progress So Far

The Punjab government reports show that:

Over 400,000 applications have been received.
9,000 families have already received loans.
Construction has started on more than 5,000 sites.
Rs. 8.5 billion have been disbursed so far.

This makes Apni Chhat Apna Ghar one of the largest housing finance initiatives in Pakistan’s history.

📞 Helpline & Support

For any queries or issues, applicants can contact the helpline number 0800-09100 or email via the official website. Applicants are advised to avoid agents or third parties and to apply directly through official channels.

🏁 Final Words

The Apni Chhat Apna Ghar Programme is not just a housing project—it is a step towards dignity, stability, and empowerment for thousands of families. The government’s commitment to providing Rs. 1.5 million interest-free loans is a bold move that brings hope to those who dream of a roof over their heads. With simple requirements, an easy application process, and real-time support, this programme is a golden opportunity for eligible citizens to build their own homes in 2025.

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