If owning a home in Punjab felt impossible before, now’s your chance. The Punjab government, led by Chief Minister Maryam Nawaz Sharif, has introduced a special housing loan initiative called the “Apni Chhat Apna Ghar Program.”This plan is designed to make it easier for families in both cities and villages to buy or build a house without overwhelming financial pressure.
🏡 What is the Apni Chhat Apna Ghar Program?
This scheme offers straightforward home loans for low- and middle-income families in Punjab. Whether you need financing to build, renovate, or purchase a small home — this program is built to help.
It’s a simple, transparent option created especially for people looking to own a home for the first time.
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📊 Program Progress So Far
Since its rollout, the program has made remarkable progress:
- 1,562 houses completed.
- PKR 924 million was recovered through repayments.
- 21,797 homes in the final construction stages.
- Over 25,500 families approved, with PKR 26.97 billion in loans released.
- 11,500 families received second loan installments.
- 1,106 new applications cleared for upcoming cycles.
This initiative is changing lives for families throughout Punjab.
📌 Who’s Eligible for This Loan?
The program covers families in both urban and rural areas:
- Urban Areas: Loans for 1 to 5 marla plots.
- Rural Areas: Loans for 1 to 10 marla plots.
(1 marla = approx. 272 sq. ft.)
If you own or plan to buy a plot, you can apply for:
- Home construction
- Renovation or repairs
- Buying an affordable home
📝 How to Apply for an Apni Chhat Apna Ghar Loan 2025
You can complete the entire process online without visiting any office.
Steps to Apply:
- Go to acag.punjab.gov.pk
- Fill out the online form.
- Upload documents like:
- CNIC
- Proof of income
- Plot/property papers (if applicable)
- Submit your application.
- Wait for approval.
Once approved, funds are transferred directly to your bank.
📋 Eligibility Requirements
Before applying, ensure you meet these conditions:
- Must be a Punjab resident.
- Must own or plan to acquire a plot in Punjab.
- Must hold a valid CNIC.
- Must have a steady income and the capacity to repay.
🌟 Why This Program Matters
This scheme is a huge opportunity because it:
- Makes homeownership possible for thousands of families.
- Benefits both city and village residents.
- Ensures a fair, middleman-free process.
- Boosts local economies through construction activity.
❓ Frequently Asked Questions
Who can apply?
Any Punjab resident planning to buy or build a home.
Is it interest-free?
No, but it features low interest rates and manageable repayment plans.
How much can I borrow?
It depends on your plot size, construction estimate, and repayment ability.
What’s the repayment duration?
Flexible terms available — from a few years up to 20 years.
🎯 Final Words
The Apni Chhat Apna Ghar Program isn’t just a government initiative — it’s a genuine pathway for families to secure a home of their own. With easy online applications, fair terms, and full government support, it’s helping thousands turn homeownership from a dream into a reality.
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👉 Interested? Head over to acag.punjab.gov.pk and start your journey today!