The Punjab government, under the leadership of Chief Minister Maryam Nawaz Sharif, has taken bold steps to address housing challenges in the province. The “Apni Chhat Apna Ghar” scheme is an ambitious initiative aimed at providing affordable housing to low-income families, allowing them to own homes with minimal financial burden. Whether you’re interested in affordable apartments or seeking interest-free loans, this guide covers everything you need to know about applying online for the Apni Chhat Apna Ghar scheme.
What is the Apni Chhat Apna Ghar Scheme?
The “Apni Chhat Apna Ghar” program is designed to ensure that every family in Punjab has a secure and affordable place to call home. The government has targeted the construction of thousands of homes in key cities, ensuring fair distribution of resources while addressing the province’s housing crisis. The program includes subsidies, interest-free loans, and a streamlined registration process to make homeownership a reality for people from all walks of life.
This initiative is more than just a construction project—it’s about building a future filled with hope, security, and better living standards for families who need it most.
Key Highlights of the Scheme
Ambitious Implementation Plan
- Housing Construction Goals:
- 3,000 homes planned per district for fair resource allocation.
- 5,000 homes to be constructed in Lahore alone near Raiwind Road in the first phase.
- Annual target set at 100,000 houses with 20,000 homes to be built as early as February 2025.
Affordable Pricing
- Each apartment is priced at Rs. 1.5 million.
- A 60% government subsidy reduces financial burdens, so applicants only need to pay 40% of the total cost.
- Families can pay the remaining balance in monthly installments of just Rs. 26,000 for five years.
Free Plots and Interest-Free Loans
- Eligible families who cannot afford to construct homes despite owning land can benefit from this program, with 70,000 families receiving interest-free loans in the first phase.
- An eight-member committee ensures the fair allotment of free plots.
Focus Cities
Although the program spans Punjab, particular attention is being given to key cities, including Multan, Faisalabad, Sialkot, Sargodha, Rawalpindi, and Lahore.
Why the Program Matters
The Apni Chhat Apna Ghar initiative is designed to combat homelessness, reduce economic inequalities, and improve the overall quality of life for its citizens. It directly addresses Punjab’s urgent housing needs while creating jobs in the construction and allied sectors, stimulating local economies.
Key benefits include:
- Affordable Housing Options
- Permanent Residences for Low-Income Families
- Improved Living Standards
- Economic Stimulus via Job Creation
Words from DG Housing and Town Planning
Saif Anwar, DG Housing and Town Planning Agency of Punjab, emphasized that this scheme is a lifeline for poor and homeless families, ensuring that those who own land but lack the means for construction will have access to interest-free loans and financial aid.
Step-by-Step Guide to Apply for Apni Chhat Apna Ghar Scheme
The Punjab Information Technology Board (PITB) has developed a dedicated online portal for the “Apni Chhat Apna Ghar” scheme, making it simple to register, track, and manage applications. Here’s how to apply:
Step 1: Register on the Portal
Go to Apni Chhat Apna Ghar Registration Portal to begin your application process.Complete the Citizen Registration Form and share your details to get started!
- Full Name
- CNIC Number (Your own and, if applicable, your father’s or husband’s CNIC)
- Gender
- Email Address
- Mobile Number (Provide the network provider if your number is ported)
- Division, District, City
- Set up and secure your account by creating your password to finish registration!
After registration, you’ll receive a verification code to finalize your profile.
Step 2: Eligibility Certification
Download and fill out the eligibility certificate provided on the portal. This will determine your qualifying criteria based on income, ownership of land, and housing needs.
Step 3: Submit Your Application
Once your eligibility is confirmed:
- Complete the application form with basic details regarding your housing needs.
- Attach supporting documents, such as income certificates and proof of existing land ownership (if applicable).
- Submit the form online through the portal.
Step 4: Contact the Support Team
Need assistance? Call 0800-09100 for help with your application or further queries.
Progress & Achievements
This transformative project has already made significant strides:
- 7.28 million portal visits and 400,000 applications with complete documentation indicate strong public interest.
- Development of 2,807 plots across 22 districts is already underway.
- 1,119 additional plots are being developed in seven districts.
The Impact of Apni Chhat Apna Ghar
The scheme is expected to leave a lasting imprint on the community:
- Reducing Homelessness
The project provides much-needed affordable housing options, helping thousands of families find a secure home.
- Boosting the Economy
By generating jobs in construction and related sectors, the program fuels economic growth.
- Improving Quality of Life
With stable and affordable housing, beneficiaries can lead healthier and more productive lives.
A Message from CM Maryam Nawaz Sharif
“Our mission is simple yet profound – to provide affordable housing solutions for every family in Punjab,” said Chief Minister Maryam Nawaz. “Homeownership is not just about walls and roofs but also about security, dignity, and fulfilling dreams.”
This vision reflects the government’s commitment to uplifting its population, ensuring every family has a home they can proudly call their own.
Final Thoughts
The Apni Chhat Apna Ghar Program 2025 is a groundbreaking initiative aimed at solving Punjab’s housing crisis and creating opportunities for better living conditions. By empowering low-income families with affordable housing and interest-free loans, the scheme highlights the government’s dedication to addressing the needs of its people.