Apni Chat Apna Ghar Scheme 2025 – Register Online in Punjab

Owning a home is the biggest blessing from Allah. For Pakistan’s middle class, however, buying or building a house has become nearly impossible with rising costs. To support citizens, Punjab Chief Minister Maryam Nawaz has launched the Apni Chhat Apna Ghar Scheme 2025. Under this program, the government will provide easy, interest-free loans with small monthly installments so that families across Punjab can finally build their dream homes.

Key Features of Apni Chat Apna Ghar Scheme

• Launched by: CM Punjab Maryam Nawaz

• Total Houses: 100,000 units across Punjab

• Loan Type: Interest-free, government-subsidized

• Monthly Installment: Rs. 14,000 (approx. house rent)

• Government Share: 60% subsidy

• Beneficiary Share: 40% down payment, spread over 5 years

• Eligible Areas: Lahore, Multan, Sialkot, Rawalpindi, Sargodha, Faisalabad, and other districts

CM Maryam Nawaz’s Vision

Chief Minister Maryam Nawaz has called the housing project “close to her heart.” She says every family deserves a secure and dignified home.

In her message, she assured:

“This program is not just about bricks and roofs. It is about dignity, security, and a brighter future for every hardworking family in Punjab.”

She emphasized that laborers, teachers, small business owners — all have been kept in mind while designing this initiative.

Why This Scheme Matters

The Apni Chat Apna Ghar Program is designed to solve multiple issues:

• Reducing overcrowding in small rental houses

• Shifting families away from slum areas into planned communities

• Providing basic needs like water, electricity, and sanitation

• Creating jobs in construction through 100,000 new homes

• Offering affordable installments — almost equal to current rent

Execution Models of the Housing Project

The Punjab Housing & Town Planning Agency (PHATA) will run the project under three models:

Model 1 – 10,000 Housing Units

• Built on state land with PHATA providing infrastructure

• Developers must follow approved PHATA designs

• No subsidy on state land infrastructure

Model 2 – 20,000 Housing Units

• Based on Affordable Private Housing Scheme (APHS) Rules 2020

• Developers will get one-window approvals for speedy work

• PHATA will monitor construction quality

• All payments will go through Escrow accounts for transparency

Model 3 – 70,000 Housing Loans

• Citizens with 1–5 marla urban plots or 1–10 marla rural plots can apply

• Interest-free loans with government subsidy

• Repayment plan: 5–7 years

• Installments start after 3 months of relaxation

Eligibility Criteria

To apply for Apni Chhat Apna Ghar 2025, you must:

• Be the head of the family

• Be a permanent resident of Punjab (verified by NADRA)

• Own land (1–5 marla in cities / 1–10 marla in villages)

• Not be a criminal or financial defaulter

• Be registered with NSER with a PMT score under 60

Required Documents

• CNIC of applicant and head of family

• Proof of land ownership

• Contact information (phone/email)

• Address (division, district, tehsil)

• NSER registration details

Loan & Installment Plan

How to Apply – Step by Step

You can register in three ways:

1. Online Registration

• Visit official website: acag.punjab.gov.pk

• Click “Register” on top-right corner

• Fill in required details (CNIC, land records, contact info)

• Submit form online

2. Toll-Free Number

• Call 0800-09100

• Provide details over the phone

• Representative will complete registration for you

3. Physical Centers

• Visit nearest registration center in your district

• Submit documents & information

• Form will be filled by government staff

Benefits for Families

• Interest-free loans make home construction possible

• Affordable installments (same as rent of a small house)

• Permanent residence for families living in slums or rented houses

• Job creation in Punjab’s construction sector

• Social uplift through better housing, sanitation, and facilities

Eligible Districts

The program covers major districts across Punjab, including: Lahore, Rawalpindi, Multan, Sialkot, Sargodha, Faisalabad, Gujranwala, Bahawalpur, DG Khan, Jhelum, Mandi Bahauddin, Vehari, and many more.

For full list, visit the official portal.

Conclusion

The Apni Chhat Apna Ghar Scheme 2025 is more than a housing project — it is a social reform program. For Punjab’s middle class, it offers hope, dignity, and stability. If you own a small plot and fall under the eligibility criteria, don’t miss this chance. Register today and take the first step towards your own home.