According to Maryam Nawaz Sharif, the Chief Minister of Punjab, the “Apni Chhat Apna Ghar” program is a bold plan to end homelessness and help low-income families. The initiative, part of her broader vision for a progressive and inclusive Punjab, focuses on providing interest-free housing loans to underprivileged families so they can construct homes on their land.
This housing scheme is rapidly gaining momentum in 2025 as one of Pakistan’s most impactful public welfare programs.
🏡 About the Scheme
Launched in September 2024, the “Apni Chhat Apna Ghar” scheme aims to empower families with limited financial resources by offering zero-interest loans for home construction. It is an extension of the “Apni Zameen Apna Ghar” project that provides free plots to landless individuals across Punjab.
The vision is simple: A roof over every head and an opportunity for every family to live with dignity.
📈 Recent Progress (as of 2025)
The program has already achieved important targets:
- 💰 Over Rs. 30 billion in interest-free loans disbursed
- 🏠 Approximately 28,000 families have received financial assistance
- 🛠 Around 23,500 houses are near completion
- 🔨 Over 34,000 housing units are currently under construction
- 📆 A three-month grace period is granted before loan repayments begin
These figures not only depict numbers, but also the transformation of real lives.
✅ Who is Eligible?
To ensure fair access, the scheme has specific eligibility conditions:
- Applicants must be residents of Punjab province
- They should own a residential plot: up to 5 marlas in cities, and up to 10 marlas in rural areas
- Must be the registered head of the family (as per NADRA)
- Should have a PMT score of 60 or lower in the national poverty database
- Must have no history of loan default or criminal record
Widows, disabled persons, and those already listed in BISP (Benazir Income Support Programme) receive special preference.
💵 Loan Details
Here are the key financial benefits offered through the program:
- Maximum loan amount: Up to PKR 1.5 million (Rs. 15 lakh)
- Interest rate: Absolutely 0%
- Repayment period: 7 years with affordable monthly installments
- Grace period: The First 3 months are repayment-free
- Installments: Start from around PKR 11,000 to 14,000 per month
This structure ensures that low-income families can repay comfortably without compromising on other essential expenses.
📝 How to Apply?
The application process is fully online and easy to follow:
- Visit the official website: https://acag.punjab.gov.pk
- Register your CNIC and basic information
- Fill out the loan application form
- Upload required documents:
- CNIC front and back
- Property ownership proof (Registry/Fard)
- PMT score verification
- Submit the form and wait for confirmation via SMS or email
For help, applicants can contact the toll-free helpline: 0800-09100.
📍 Where Is the Scheme Being Implemented?
As of now, the scheme is being rolled out in 19 districts, including:
- Jhelum
- Lodhran
- Mamun Kanjan
- Pattoki
- Renala Khurd
…and other areas across Punjab.
The government plans to expand this program further across all tehsils of the province in phases.
🌍 Social and Economic Impact
The “Apni Chhat Apna Ghar” plan is more than just a building project; it’s a social change. It makes you want to do these things:
- Poverty reduction
- Creating jobs in the building and related fields
- Urban development
- Empowerment of women and vulnerable groups
It also brings hope to thousands of families who dream of living in a safe and dignified home.
🏁 Final Words
CM Maryam Nawaz’s Apni Chhat Apna Ghar Scheme 2025 is a landmark housing initiative aimed at transforming the lives of countless deserving families in Punjab. With a strong focus on affordability, transparency, and inclusivity, this scheme sets a new benchmark for social welfare in Pakistan.
If you or someone you know meets the criteria, don’t miss this life-changing opportunity to own a home with zero-interest support from the government.
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