CM Punjab’s “Apni Chhat, Apna Ghar” Scheme 2025 || Interest-Free Home Loan of Rs. 1.5 Million Latest Update

When Chief Minister Maryam Nawaz led the government of Punjab with vision, they started a new housing program in 2025. They named it “Apni Chhat, Apna Ghar.” This flagship program offers an interest-free loan of up to Rs. 1.5 million to deserving and low-income families to help them construct their homes. The scheme is part of the government’s broader mission to ensure shelter for every citizen and address the growing housing crisis in Punjab.

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🏡 What is the “Apni Chhat, Apna Ghar” Scheme?

“Apni Chhat, Apna Ghar” (translated as Your Roof, Your Home) is a subsidy program for home loans aimed at helping landowners build residential units on their plots. The government provides loans without any interest, repayable over seven years, making it one of the most accessible and inclusive housing schemes in Pakistan’s history.

This initiative is a major step toward fulfilling the promise of 100,000 new homes each year, especially for families who cannot afford private loans or commercial mortgages.

💡 Key Features of the Scheme

Loan Amount: Up to Rs. 1.5 million
Interest Rate: 0% (Interest-Free)
Repayment Period: 7 years
Grace Period: 3 months (No repayment in the first quarter)
Monthly Installment Estimate: Around Rs. 14,000
Eligibility: Low-income families owning 1–5 marla urban or 1–10 marla rural plots
Target: 100,000 homes annually across Punjab

Who is Eligible?

The scheme caters to the following individuals:

Are permanent residents of Punjab
Own a registered plot of land (urban or rural)
Belong to low- or lower-middle-income groups
Are not defaulters of any financial institution
Have a valid CNIC and NADRA-verified family details
We were surveyed by NSER (Benazir Income Support data)

We give special preference to widows, disabled persons, and female-headed households to ensure inclusivity and empowerment. widows

📅 Latest Update – 2025 Progress

As of mid-2025, the government has shared impressive statistics showing the success of the scheme:

Over 28,000 families have been granted loans
More than 22,600 houses are under construction or near completion
Nearly Rs. 30 billion disbursed across Punjab
All processes are digital, ensuring transparency and eliminating favoritism

CM Maryam Nawaz Sharif declared this scheme one of her top priorities, with strict instructions to ensure fast, fair, and corruption-free delivery.

📲 How to Apply Online

You can apply for the “Apni Chhat, Apna Ghar” loan by following these steps:

Create an account using your CNIC and mobile number
Fill in the application form with:
CNIC and family information
Plot ownership details
Monthly income sources
Bank account details
Upload scanned documents.
CNIC (front & back)
Land ownership certificate (Fard)
Proof of income
Submit your application and wait for verification
Once approved, you’ll be included in a transparent balloting process

The Punjab government partners with banks to disburse loans to successful applicants, who receive notifications via SMS or email.

🏗️ Impact on Society and Economy

The Apni Chhat, Apna Ghar scheme is more than just a housing program—it’s a social upliftment initiative. It’s expected to:

Create thousands of jobs in the construction sector
Boost local building materials industries
Improve living standards for low-income families
Increase rural and urban development
Encourage women’s property ownership

By helping families build their homes, the government is not only providing shelter but also dignity, security, and hope.

📞 Helpline & Support

If you face any issues during registration or need assistance:

Official Helpline: 042-111-991-091
Email Support: Via the contact form on the official website
Visit your nearest District Facilitation Centre.

✍ Final Words

The CM Punjab Apni Chhat, Apna Ghar Scheme 2025 is a lifeline for thousands of families who have long dreamt of owning a home. With no interest, simple terms, and digital transparency, this initiative sets a new benchmark for social welfare in Pakistan.

If you have a plot and dream of building your own home, now is the time to apply. The application process is live, and thousands have already benefited. Don’t miss your chance to secure a safe, stable, and proud future for your family.

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