Owning a home is a dream for every Pakistani family. For many middle-class households, however, it often remains out of reach due to rising construction costs and limited financial resources. To address this challenge, Chief Minister Punjab Maryam Nawaz has launched the Apni Chat Apna Ghar Scheme 2025, a housing program designed to provide affordable, interest-free loans for building homes.
This scheme is a golden opportunity for low and middle-income families across Punjab who own small plots but lack the funds to construct their houses.
What is Apni Chat Apna Ghar Scheme?
The Apni Chat Apna Ghar Scheme 2025 is a government housing initiative to help citizens build homes on their land with the support of easy and interest-free loans. The scheme targets 100,000 houses across Punjab, offering families the chance to pay affordable monthly installments, almost equal to the rent of a small house.
- Launched by: Chief Minister Punjab Maryam Nawaz
- Total Houses Goal: 100,000 units
- Monthly Installment: As low as PKR 14,000 – 26,000
- Government Subsidy: 60% covered by the Punjab government
- Beneficiary Contribution: 40% down payment (spread over 5 years)
A Message from Chief Minister Punjab
وزیر اعلی پنجاب کا پیغام
اپنی چھت اپنا گھر پروگرام جو میرے دل کے بہت قریب ہے اِس میں آپ کا خیر مقدم کرتے ہوئے مجھے بے حد خوشی اور اطمینان ہے۔ ہمارا پنجاب میں خاندان کے لیے سستے گھر فراہم کرنے کا مقصد سادہ لیکن بہت شاندار ہے۔ گھر کا مالک ہونا صرف دیواروں اور چھتوں کی حد تک محدود نہیں بلکہ یہ سلامتی، باوقار زندگی، روشن مستقبل اور خوابوں کی تعبیرکے مترادف ہے۔ آپ چاہے مزدور ہیں، اُستاد ہیں یا کسی چھوٹے کاروبار کے مالک ہیں، یہ پروگرام آپ سب کو مدنظر رکھتے ہوئے تشکیل دیا گیا ہے۔ ہمیں ادراک ہے کہ ہر شہری ایک محفوظ اور آرام دہ گھر کا مستحق ہے۔
ڈویلپرز، مالیاتی اداروں اور ہماری ہونہار اورمحنتی ٹیم کے باہمی تعاون کے ذریعے ہم پنجاب کے ہر شہری کے لیے گھر کی ملکیت کی رسائی کے لیے پر عزم ہیں۔ ہمارے تشکیل دئیے گئے ماڈلز چاہے وہ بڑے شہروں میں گھر فراہم کرنے کے عوض سرکاری زمین کی فراہمی ہو یا اِس پروگرام کے تحت نجی ہاؤسنگ سکیموں میں سستے مکانات سے مستفید ہونے والے معزز شہریوں کو سبسڈی مہیا کرنا ہو یا شہری علاقوں میں 5 مرلہ تک پلاٹ مالکان بمعہ قبضہ اور دیہاتی علاقوں میں 10 مرلہ تک پلاٹ مالکان بمعہ قبضہ کو بلاسود قرضہ فراہم کرنا ہو، یہ سب کے سب ہمارے کم آمدنی والے خاندانوں کی ترقی کے عزم کی عکاسی کرتے ہیں۔ تبدیلی کے اِس سفر میں آپ ہمارا ساتھ دیں اور ہم مل کر صرف گھر ہی نہیں بلکہ ایک ایسا معاشرہ تشکیل دیں جہاں خواب حقیقت کاروپ دھارتے ہوں۔
آپ کی خیراندیش
مریم نواز شریف
Key Features of Apni Chat Apna Ghar Program
- Interest-Free Loans – Families get loans without interest, reducing the financial burden.
- Affordable Installments – Payments start from as low as PKR 14,000 per month.
- 60% Subsidy – The government covers a major portion of construction costs.
- Flexible Loan Tenure – Loan repayment period ranges between 5–7 years.
- Focus on Middle Class – Designed especially for families living on rent or with limited income.
- Job Creation – Construction of 100,000 homes will create employment opportunities in Punjab.
Eligible Cities for the Scheme
| Sr. No. | Zone | PHATA Region | Districts | Loan Distribution | PHATA Region wise Units | Packaging |
|---|---|---|---|---|---|---|
| 1 | Center | Bhakar | Bhakar | 283 | 1913 | 4423 |
| 2 | Khushab | 243 | ||||
| 3 | Layyah | 366 | ||||
| 4 | Mianwali | 307 | ||||
| 5 | Muzaffargarh | 714 | ||||
| 6 | Faisalabad | Chiniot | 313 | 2511 | ||
| 7 | Faisalabad | 851 | ||||
| 8 | Jhang | 451 | ||||
| 9 | Sargodha | 520 | ||||
| 10 | Toba Tek Singh | 376 | ||||
| 11 | North | Lahore | Gujranwala | 657 | 5804 | 8003 |
| 12 | Hafizabad | 302 | ||||
| 13 | Kasur | 484 | ||||
| 14 | Lahore | 1690 | ||||
| 15 | Nankana | 314 | ||||
| 16 | Narowal | 357 | ||||
| 17 | Okara | 518 | ||||
| 18 | Pakpattan | 401 | ||||
| 19 | Sheikhupura | 512 | ||||
| 20 | Sialkot | 570 | ||||
| 21 | Rawalpindi | Attock | 287 | 2198 | ||
| 22 | Chakwal | 263 | ||||
| 23 | Gujrat | 466 | ||||
| 24 | Jhelum | 225 | ||||
| 25 | Mandi Bahauddin | 358 | ||||
| 26 | Rawalpindi | 600 | ||||
| 27 | South | Bahawalpur | Bahawalnagar | 454 | 1684 | 5074 |
| 28 | Bahawalpur | 517 | ||||
| 29 | Rahim Yar Khan | 714 | ||||
| 30 | Multan | DG Khan | 498 | 3390 | ||
| 31 | Khanewal | 458 | ||||
| 32 | Lodhran | 380 | ||||
| 33 | Multan | 726 | ||||
| 34 | Rajanpur | 368 | ||||
| 35 | Sahiwal | 443 | ||||
| 36 | Vehari | 517 | ||||
| 17500 | 17500 | 17500 |
Eligibility Criteria
To apply for Apni Chat Apna Ghar Scheme 2025, applicants must meet the following conditions:
- Must be a permanent resident of Punjab (verified by NADRA).
- Should be the head of the family (as per NADRA record).
- Must own 1–5 Marla land in urban areas or 1–10 Marla land in rural areas.
- Should not be a financial defaulter.
- No criminal record or FIR against the applicant.
- Must be registered with National Socio-Economic Registry (NSER).
- Poverty score (PMT) must be below 60%.
Execution Models of the Scheme
The government has divided the scheme into three models:
1. Public-Private Partnership Model
- Housing units built on state land in collaboration with developers.
- PHATA (Punjab Housing & Town Planning Agency) provides infrastructure.
- Developers must follow approved designs.
2. Private Housing Schemes Model
- Houses constructed in approved private housing societies.
- Streamlined approval process under APHS Rules 2020.
- All payments handled through secure Escrow accounts.
3. Loan-Based Housing Model
- Interest-free loans for citizens who already own plots.
- Applicable for 1–5 Marla plots in cities and 1–10 Marla plots in villages.
- Repayment period: 5–7 years.
Benefits of Apni Chat Apna Ghar Scheme
- Permanent Residence: Families can finally build their dream homes.
- Government Support: With 60% subsidy, the scheme is affordable for low-income groups.
- Improved Lifestyle: Families moving out of rented houses or slums will enjoy better living conditions.
- Employment Opportunities: The project boosts construction and related industries.
How to Register for Apni Chat Apna Ghar Scheme 2025?
There are three simple ways to register for this program:
1. Online Registration
- Visit the official portal: acag.punjab.gov.pk
- Click on Register Now.
- Fill in all required details (CNIC, family head details, land documents, etc.).
- Submit the application online.
2. Toll-Free Number Registration
- Call 0800-09100.
- Provide your details to the representative who will complete the form for you.
3. Physical Registration Centers
- Visit the nearest government registration center.
- Submit documents and complete your application with assistance from staff.
Required Documents
To register, applicants need the following:
- CNIC (of applicant & family head)
- Mobile number & email address
- Proof of land ownership (1–10 Marla)
- NSER registration proof
- Residential address details
Installment Plan
- Down Payment: 40% of construction cost (spread over 5 years).
- Monthly Installment: PKR 14,000–26,000 (depending on house size).
- Grace Period: No payment required for the first 3 months.
- Subsidy: 60% of total cost covered by the Punjab Government.
