Chief Minister Punjab Apni Chhat Apna Ghar Program 2025
Apply Now
A Message from Chief Minister Punjab
I’m delighted to welcome you to the “Apni Chhat Apna Ghar Program,” a cause that is very dear to my heart. Our goal is straightforward yet profound: to give every family in Punjab access to affordable housing options. Owning a home is more than just having a roof and walls.
Apni Chhat Apna Ghar Program
Chief Minister Punjab’s “Apni Chhat Apna Ghar” Program is a unique endeavor. The goal of this program is to significantly advance Punjab’s housing market by offering 100,000 reasonably priced homes and apartments to qualified citizens in all parts of the state. The “Apni Chhat Apna Ghar Program” will help low-income groups who are now living in unofficial housing or rented buildings acquire their own homes. With three execution models, this program will provide 100,000 affordable homes throughout the province in four and a half years.
The program is administered by the Housing, Urban Development, and Public Health Engineering Department (HUD&PHED), while the Punjab Housing & Town Planning Agency is the executing agency.
Expected Outcomes of ACAG Program
- Better living circumstances for low-income households
- Decreased slum living and overcrowding.
- Improved availability of necessities (electricity, water, and sanitary facilities).
- Improved security and safety in the community.
- Favorable social influence on the intended recipients.
- Improved community development and social cohesiveness.
- Approximately half a million jobs would be created, and the economy would benefit from the construction of 100,000 homes, both directly and indirectly.
Eligibility Criteria
According to the NADRA record, the applicant is the head of his or her beta (nucleus) family. According to his or her CNIC, the applicant is a permanent resident of Punjab.
On the date of online application submission, the applicant is the sole owner and holder of a piece of land in Punjab that is 5 marla or less in urban areas and up to 10 marla in rural areas, where he or she plans to build a home.
The applicant should not have a criminal history, including convictions for severe crimes, anti-state, or anti-social acts. The applicant shouldn’t be in arrears on any bank or financial institution loans. The applicant lives in a household with a PMT score of 60 or lower and is registered with the National Socio-Economic Registry (NSER).
9,000+ People Got Interest-Free Loans exceeding Rs 8.5 Billion via Apni Chhat Apna Ghar Program
While praising the success of the “Apni Chhat, Apna Ghar Scheme,” Chief Minister of Punjab Maryam Nawaz Sharif remarked, “It gives me a great pleasure to see the houses built under the Apni Chhat, Apna Ghar program; it is as if I am building my own house.” “I am confident that it will turn out to be the best housing scheme in Pakistan,” she continued.”I want no one in Punjab to be homeless; everyone should be happy with their own roof,” stated Madam Chief Minister. “Mothers feel more for the homeless children, and the state is like a mother,” she continued.
“In Apni Chhat, Apna Ghar, there is no culture of recommendations; loans are given purely on merit,” stated Chief Minister Maryam Nawaz Sharif. “Those who receive a loan of Rs 1.5 million will be required to pay the principal amount in nine years at a monthly rate of Rs 14,000,” she continued. “We have set a new record by providing microfinance loans totaling Rs 8.5 billion under the scheme in just a few months,” she emphasized.
“A record of over 400,000 applications and documents have been received on the Apni Chhat, Apna Ghar portal in the shortest period of time,” stated Madam Chief Minister. “5,000 loans have been issued in phase-I of the scheme,” she continued. “More than 5,000 houses under the program are nearing completion,” she emphasized.
“With the 3,000 loans issued in Phase-II, construction of houses has also begun,” stated Chief Minister Maryam Nawaz Sharif. “Three unbiased microfinance institutions are confirming applications received on the Apni Chhat, Apna Ghar portal,” she continued. The appropriate authorities were instructed by the Madam Chief Minister to finish building one lakh homes in a year and five lakh homes in five years. “A helpline number of 0800-09100 and a web portal acag.punjab.gov.pk have been established for the guidance of potential applicants of the Apni Chhat, Apna Ghar scheme,”