To address the housing crisis in Punjab, the provincial government has launched the Apni Chhat Apna Ghar Programme, offering interest-free loans of up to Rs 1.5 million to low-income and middle-income families. This scheme is a golden opportunity for those who dream of owning a house but cannot afford traditional bank financing due to high markup rates.
Here’s everything you need to know about how to benefit from this government-backed initiative.
What is the Apni Chhat Apna Ghar programme?
The government of Punjab initiated the Apni Chhat Apna Ghar Programme, a housing initiative that prioritises welfare. The core objective of this scheme is to provide affordable housing to low-income citizens through simple, interest-free loans. Eligible applicants can receive up to Rs. 15 lakh (1.5 million) for the construction or purchase of a home, repayable in easy monthly instalments.
The programme, in particular, benefits:
- Daily wage earners
- Widows
- Orphans
- Disabled persons
- Families with no permanent residence
This government-sponsored loan removes the burden of markup and helps people move towards long-term property ownership.
Eligibility Criteria for the Interest-Free Loan
To qualify for the Rs 1.5 million interest-free loan, applicants must meet the following criteria:
- The applicant must be a citizen and resident of Punjab.
- Monthly income should be below Rs 60,000.
- The candidate must not already own a house or land.
- The applicant must possess a valid computerised National Identity Card (CNIC).
- Women, especially widows, receive priority.
- Women (especially widows)
- Disabled individuals
- Orphans
- Laborers and low-income workers
Required Documents for Application
To apply for the interest-free housing loan, you will need the following documents:
- Copy of your valid CNIC
- Proof of monthly income (salary slip, labor card, or income affidavit)
- Utility bill or rental agreement for current residence
- Two passport-size photographs
- Land documents (if applying for a construction loan on an owned plot)
- Bank account details
Ensure that all documents are valid and properly attested to avoid rejection.
How to Apply for the Rs 15 Lakh Loan
Applying for this interest-free loan is simple. Follow these steps:
Step 1: Get the Application Form
Visit the Punjab Housing and Town Planning Agency (PHATA) website or your nearest Bank of Punjab branch to collect the official application form.
Step 2: Fill Out the Form
Complete the form carefully with accurate personal and financial information.
Step 3: Attach Required Documents
Attach all required documents, including CNIC copy, income proof, and photographs.
Step 4: Submit the Application
Please submit the form at your nearest bank branch or designated government office for processing.
Step 5: Wait for Verification
Your application will be verified for eligibility. We may also conduct field inspections.
Step 6: Loan Approval and Disbursement
Depending on your project (construction or purchase), we will disburse the loan in stages after verification and approval.
Benefits of the Apni Chhat Apna Ghar Loan Scheme
- ✅ 100% Interest-Free financing
- ✅ Flexible repayment terms
- ✅ Special preference to women, widows, and laborers
- ✅ Easy documentation process
- ✅ Backed by the Punjab Government
- ✅ Ideal for individuals with no credit history
This programme removes financial barriers and enables thousands of families to move from renting to owning their dream homes.
Final Words
The Apni Chhat Apna Ghar interest-free loan scheme is a life-changing opportunity for low-income families in Punjab. With financing of up to Rs 1.5 million and no markup involved, it offers a sustainable path toward home ownership. If you meet the eligibility requirements, please consider starting the application process now to secure a brighter future for your family. A secure and dignified life under your roof is no longer just a dream—it’s a real possibility.
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