Apni Chhat Apna Ghar Program 2025 – Apply Online for Affordable Housing in Punjab

The Apni Chhat Apna Ghar Program 2025, launched by the Chief Minister of Punjab Maryam Nawaz Sharif, is a groundbreaking housing initiative designed to provide 100,000 affordable houses and apartments across Punjab within four and a half years.

This flagship program targets low-income families, helping them move from rented or informal housing to permanent homeownership. The scheme is being implemented by the Punjab Housing & Town Planning Agency (PHATA) and monitored by the Housing, Urban Development, and Public Health Engineering Department (HUD&PHED).

🎯 Objectives of Apni Chhat Apna Ghar Scheme

🏡 Improve living standards and reduce slum settlements
🚰 Provide access to basic facilities such as water, sanitation, and electricity
🔒 Ensure community safety and social cohesion
💼 Generate over 500,000 jobs and stimulate economic growth in Punjab

🏠 Housing Categories Under the Scheme

1. Construction on State Land (10,000 Units)

Built on state-owned land through a land-sharing model between developers and PHATA
Developers invest in infrastructure & construction costs
PHATA ensures designs, drawings, and quality standards
Prices & installment plans set by the Punjab Government

2. Affordable Housing in Private Schemes (20,000 Units)

Developers allocate 20% or more residential area for affordable housing under APHS Rules 2020
One-window approval system for faster NOCs
Punjab Government offers a PKR 1 million subsidy per unit
Buyers pay a down payment + 5-year installment plan
Payments monitored and tied to construction milestones

3. Interest-Free Loans (70,000 Units)

Interest-free loans up to PKR 1.5 million for plot owners
Plot size: up to 5 Marla in urban areas, 10 Marla in rural areas
Loan tenure: 7 years with easy monthly installments
Disbursed in tranches via a revolving fund
Operational costs covered by the Punjab Government

✅ Eligibility Criteria

To qualify for the Apni Chhat Apna Ghar Scheme 2025, applicants must:

Be a permanent resident of Punjab (verified via CNIC).
Be the sole owner of a plot (up to 5 Marla urban or 10 Marla rural).
Intend to build their house on the plot submitted in the application.
Have no criminal record of anti-state or serious crimes.
Not be a loan defaulter of any bank or financial institution.

📝 How to Apply for Apni Chhat Apna Ghar Program

Follow these simple steps to register:

Visit the official ACAG website
Fill in your personal information
Provide additional family & income details
Enter your plot location details
Create a secure password for your account
Submit your application form online
Receive a confirmation SMS from the system
To Apply Online
Click here

Last Date
- There is no official announcement regarding the last date to apply for the “Apni Chhat Apna Ghar” scheme in 2025

CM punjab apni chhat apna ghar scheme 2025