Punjab Chief Minister Maryam Nawaz firmly believes that every citizen deserves the right to build a safe and beautiful home. To turn this vision into reality, she has introduced an interest-free housing loan scheme in Punjab, designed to support low and middle-income families. This affordable home loan program is now available in major cities like Multan, Faisalabad, Sialkot, Sargodha, and Rawalpindi, giving thousands of residents a real chance to build their own dream home without the burden of high-interest payments.

The main objective of the Apni Chhat Apna Ghar Scheme is to offer a secure roof to low-income families across Punjab. To make this possible, Chief Minister Maryam Nawaz has ensured that monthly instalments remain affordable at just Rs. 14,000, making homeownership possible even for the financially struggling. In addition, she has emphasized durable and future-ready home designs that will stand the test of time. To build public confidence, she directed that model homes be completed within six weeks, giving eligible families a chance to see and experience their future homes before final allotments.

وزیر اعلیٰ پنجاب کا پیغام

مجھے بے حد خوشی اور اطمینان ہے کہ میں آپ کو “اپنی چھت اپنا گھر” پروگرام میں خوش آمدید کہہ رہی ہوں۔ یہ منصوبہ میرے دل کے بہت قریب ہے۔ پنجاب میں کم آمدنی والے خاندانوں کے لیے سستے گھروں کی فراہمی کا ہمارا خواب سادہ ضرور ہے، مگر اس کی اہمیت بہت گہری ہے۔ اپنا گھر ہونا صرف چار دیواری اور چھت نہیں، بلکہ یہ تحفظ، عزتِ نفس، روشن مستقبل اور خوابوں کی تعبیر کی علامت ہے۔ چاہے آپ مزدور ہوں، استاد ہوں یا کسی چھوٹے کاروبار سے وابستہ ہوں، یہ اسکیم آپ جیسے لوگوں کے لیے ہی تشکیل دی گئی ہے، کیونکہ ہمیں یقین ہے کہ ہر شہری ایک محفوظ اور باعزت زندگی گزارنے والے گھر کا حقدار ہے۔

ہم نے ڈویلپرز، مالیاتی اداروں اور اپنی باصلاحیت ٹیم کے ساتھ مل کر یہ عزم کیا ہے کہ پنجاب کے ہر شہری کو گھر کی ملکیت تک رسائی دی جائے۔ اس پروگرام میں شامل تین ماڈلز یہی وعدہ پورا کرنے کے لیے بنائے گئے ہیں۔ ان میں بڑے شہروں میں سرکاری زمین پر سستے مکانات کی فراہمی، نجی ہاؤسنگ اسکیموں میں رہائش پذیر افراد کے لیے سبسڈی، اور شہری علاقوں میں 5 مرلہ جبکہ دیہی علاقوں میں 10 مرلہ تک کے پلاٹ مالکان کو بلا سود قرضوں کی فراہمی شامل ہے، بشرطیکہ زمین کا قبضہ موجود ہو۔

آئیں، اس تبدیلی کے سفر میں ہمارا ساتھ دیں۔ ہم صرف گھر نہیں بنا رہے بلکہ ایک ایسا معاشرہ تشکیل دے رہے ہیں جہاں ہر خواب حقیقت کا روپ دھار سکے اور ہر خاندان کو ایک محفوظ چھت میسر ہو۔

آپ کی خیراندیش
مریم نواز شریف

The Apni Chat Apna Ghar Scheme is expected to bring transformative results for Punjab’s housing sector, especially for the middle-class families struggling to afford a home. By providing interest-free home loans and low-cost construction models, this initiative aims to make Punjab a more livable, secure, and progressive region. Below are the key impacts of the Apni Chhat Apna Ghar housing scheme that are likely to reshape the future of affordable housing in the province:

There are three execution models under the Apni Chat Apna Ghar Scheme, each carefully designed to achieve the goal of providing affordable housing in Punjab.

In this execution model, the government aims to facilitate housing construction through equity-based partnerships and state land sharing between PHATA (Punjab Housing and Town Planning Agency) and private developers.

In this execution model, the government will support housing development within private residential areas. For the construction of each unit, developers must obtain prior approval from the Punjab Housing and Town Planning Agency (PHATA) in accordance with the Affordable Private Housing Scheme (APHS) Rules 2020.

In this model, eligible citizens of Punjab will receive an interest-free home loan along with a government housing subsidy to help them construct their own house under the Apni Chat Apna Ghar Scheme.

The Punjab Housing and Town Planning Agency (PHATA) is solely responsible for carrying out the initial verification process under the Apni Chat Apna Ghar Scheme. Once an applicant completes the online registration on the official ACAG portal, PHATA initiates a structured and data-backed verification to confirm eligibility.

Verification Criteria and Methods:

1. Family Verification via NADRA Database
   The applicant’s family identity and status will be confirmed through the NADRA family tree database to ensure that no duplication or false entries are made.
2. PMT Score Assessment (Poverty Score)
   The Proxy Means Test (PMT) score of the applicant must be below 60, as per BISP (Benazir Income Support Programme) or NADRA scoring system, to qualify for this low-income housing scheme.
3. Land Ownership Verification
   Ownership of the land (1–5 Marla in urban or 1–10 Marla in rural areas) will be validated through credible government departments:
   • Punjab Land Records Authority (PLRA)
   • Cooperatives Department
   • Development Authorities (e.g., LDA, FDA, MDA)
     This ensures the applicant holds legal possession of the land.

1. Interest-Free Home Loans with 60% Government Subsidy

Many hardworking families in Punjab dream of owning a home, but high interest rates often keep that dream out of reach. Under the Apni Chat Apna Ghar Scheme, CM Maryam Nawaz offers interest-free loans for home construction. The Punjab Government will cover 60% of the total cost, while the applicant only needs to contribute a 40% down payment. This makes it one of the most generous low-income housing schemes in Pakistan.

2. Extremely Affordable Monthly Installments

If you are eligible for this home loan scheme, you will enjoy a 3-month grace period before any payments begin. After that, your monthly installment will be just Rs. 14,000, which is often less than the rent of a small apartment. This is your chance to build a permanent home without feeling burdened.

3. Hassle-Free Online Registration Process

To apply for the Apni Chat Apna Ghar Loan, you don’t need to go through lengthy government procedures. Just submit your basic documents through any of the following:

• Fill the online registration form at www.acag.punjab.gov.pk
• Call the toll-free helpline
• Visit the nearest registration center in your city

This one-window registration process ensures accessibility for everyone.

4. Permanent Shelter for Low-Income Families

This scheme is a lifeline for the poor and homeless. If you own a small plot (1–5 marla in urban or 1–10 marla in rural areas) but cannot build a house due to lack of funds, the government is stepping in to help. This initiative enables you to build a permanent residence with dignity, security, and pride.

Government Covers 60% of Home Construction Cost

The Apni Chat Apna Ghar Scheme is specifically designed to empower middle-class families in Punjab. Understanding their financial challenges, the Punjab government will cover 60% of the total housing cost, making homeownership realistic and accessible.

Beneficiaries are only required to pay a 40% down payment, which is broken down into affordable monthly installments over 5 years. This interest-free loan model ensures that families can build their dream homes without falling into debt or financial stress.

Although the Apni Chat Apna Ghar Scheme was launched across Punjab, currently only residents of specific cities are eligible to apply and benefit from this interest-free housing loan program. The cities included in the initial phase of the project are:

While any Pakistani citizen can aspire to benefit from the Apni Chhat Apna Ghar Scheme, the Punjab government has outlined specific eligibility requirements that applicants must meet to qualify for this interest-free housing loan program. Meeting these criteria significantly improves your chances of approval.

Here are the key eligibility conditions:

One of the key reasons why thousands of Pakistanis cannot build a home is the lack of financial resources. The Apni Chhat Apna Ghar Scheme directly addresses this issue with a highly affordable and flexible installment plan, specially designed for low-income and middle-class families.

If you meet the eligibility criteria and are shortlisted as a beneficiary, you are only required to pay 40% of the total house cost. This amount can be paid over a comfortable period of five years, easing the financial pressure on your monthly income. The remaining 60% will be paid by the Government of Punjab as a subsidy under the interest-free housing loan initiative.

In her statement, Chief Minister Maryam Nawaz emphasized that the installment amount and repayment duration have been carefully designed to remain within the reach of a working family. She understands that people also need to manage daily expenses, medical emergencies, and education costs, so the plan is structured with maximum relief in mind.

Even better, the installments will begin after the first three months, allowing new homeowners to settle in before payments start. The monthly installment is as low as the rent of a small house in rural Punjab, making it feasible even for families living paycheck to paycheck.

This practical and people-first approach ensures that deserving citizens can finally build a permanent home without sacrificing their financial stability.

Required Information & Documents for Application

Before you start filling out the form, make sure you have the following information and documents ready:

1. Full Name – As registered in your NADRA records.
2. CNIC Number – Your Computerized National Identity Card number.
3. Head of Family CNIC – CNIC number of the family head (e.g., Husband or Father).
4. Contact Details – Valid phone number and email address.
5. Gender – For demographic confirmation.
6. Residential Address – Complete location details including division, district, and city.
7. Proof of Land Ownership – Valid property documents showing ownership of land (1–5 Marla in urban or 1–10 Marla in rural areas).
8. Login Credentials:
   • If you are a new user, create a secure password to register an account on the portal.
   • If you are a returning user, simply log in using your existing password.

Pro Tip:

Make sure your NSER registration is active and your PMT score is under 60, as these are crucial to qualify for the interest-free loan under the scheme.

Online Registration – Step-by-Step Guide

Want to submit your application without stepping outside your home? The Punjab government has made the process easier with a new online portal designed for speed and convenience.

Follow this step-by-step process to apply:

Follow this step-by-step process to apply:

1. Visit the Official Website
   Go to the official portal: https://acag.punjab.gov.pk
2. Click on “Apply Now” or “Registration”
   You’ll be directed to a secure form to begin your application.
3. Enter Your CNIC Number
   Provide your 13-digit CNIC number without dashes (e.g., 352022XXXXX).
4. Provide Mobile Number & Verify OTP
   Enter your active mobile number and confirm the one-time password (OTP) sent via SMS.
5. Fill Out Personal & Plot Details
   Add details such as:
   • Your name and father/husband’s name
   • Permanent and current address
   • Location of your 3 to 5 Marla plot
   • Proof of plot ownership
6. Upload Required Documents
   Attach clear scanned copies of:
   • CNIC
   • Plot documents (registry, fard, or allotment letter)
   • Income certificate or financial proof
7. Select Scheme Type / Model (if available)
   Choose whether you’re applying for home construction, vertical apartment, or turnkey model.
8. Review and Submit Application
   Double-check all details, agree to the terms, and click “Submit.”
9. Receive Confirmation & Tracking Info
   After successful submission, you’ll get a confirmation SMS or email with a tracking number.

📞 Alternative Ways to Apply (If You Can’t Register Online)

Don’t have internet access or a digital device? No worries — the Government of Punjab has made the Apni Chat Apna Ghar registration process easy for everyone through the following alternatives:

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1. ☎️ Apply via Toll-Free Number

You can register by calling the government’s toll-free helpline: 0800-09100.

• A representative will assist you directly on the call.
• You’ll be asked to provide the required details, such as:
  • CNIC number
  • Mobile number
  • Family and income information
  • Land or plot-related documents (if applicable)

📌 The representative will fill out the application form on your behalf, so make sure your details are accurate and complete.

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2. 🏢 Visit a Nearest Registration Center (Physical Application)

If you prefer to register in person, visit your nearest Apni Chat Apna Ghar registration center.

• Carry all the required documents and personal information.
• A government staff member will guide you through the process.
• They’ll manually fill the form for you and confirm your registration.

If you belong to a low-income family and own a small piece of land, the Apni Chat Apna Ghar scheme is a golden opportunity you shouldn’t miss.

Chief Minister Maryam Nawaz has launched this initiative with a deep understanding of how vital a personal home is to every family’s dignity, stability, and future. By offering interest-free loans, this program aims to uplift struggling households and promote inclusive development across Punjab.

✅ Don’t delay — take the first step toward building your own home today. Whether you apply online, by phone, or in person, the process is simple, accessible, and entirely free.

📢 Your land, your right — now build your roof with government support!