In a significant move to address housing challenges, the Government of Punjab has introduced the ‘Apni Chhat Apna Ghar’ program. This initiative aims to provide affordable housing solutions to the residents of Punjab, ensuring that every family has the opportunity to own a home.
Launched under the leadership of the Chief Minister, the ‘Apni Chhat Apna Ghar’ program is designed to offer 100,000 affordable houses or apartments to eligible citizens. The program’s mission is to make homeownership accessible, recognizing it as a fundamental right and a cornerstone of social stability.
Table of Contents
Key Features of the ‘Apni Chhat Apna Ghar’ House Loan Scheme
- Affordable Housing Units: The program plans to construct 100,000 houses/apartments across various districts in Punjab, catering to different income groups.
- Interest-Free Loans: Eligible applicants can avail of interest-free loans up to PKR 1.5 million to finance their homes.
- Transparent Allocation: The allocation of houses will be conducted through a transparent balloting process to ensure fairness.
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Table: Key Details
| Feature | Description |
| Total Housing Units | 100,000 affordable houses/apartments |
| Loan Amount | Up to PKR 1.5 million (interest-free) |
| Eligibility Age | 21 to 57 years |
| Residency Requirement | Must be a resident of Punjab |
| Property Ownership | Applicant should not own any house or plot |
| Application Fee | PKR 500 (non-refundable) |
| Official Website | acag.punjab.gov.pk |
Eligibility Criteria for Apni Chhat Apna Ghar Scheme
To qualify for the ‘Apni Chhat Apna Ghar’ program, applicants must meet the following criteria:
- Residency: Must be a resident of the province of Punjab.
- Property Ownership: Should not own any house or plot registered in their name.
- Income Level: Must fall within the specified income brackets defined by the program.
- Age: Applicants should be between 21 to 57 years old.
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Apni Chhat Apna Ghar Scheme Online Registration Process
The Government of Punjab has streamlined the application process through an online portal, making it convenient for citizens to apply. Follow these steps to register:
- Visit the Official Website: Navigate to the ‘Apni Chhat Apna Ghar’ official portal at
- Create an Account: On the registration page, select the appropriate category—Citizen, Sponsor, or Developer—and provide the required details to create your account.
- Complete the Application Form: Fill out the application form with accurate personal, financial, and employment information.
- Upload Necessary Documents: Attach scanned copies of required documents, such as CNIC, proof of income, and residency certificates.
- Submit the Application: Review all entered information for accuracy and submit your application through the portal.
- Application Fee: Pay the non-refundable processing fee of PKR 500 as part of the application process.
Important Considerations
- Verification Process: After submission, applications will undergo a verification process, including digital verification of CNIC, creditworthiness, and business premises by authorized agencies.
- Loan Disbursement: Upon successful verification and approval, applicants will be eligible for interest-free loans up to PKR 1.5 million, repayable over a specified period.
- Usage of Funds: The loan amount is strictly to be used for purchasing or constructing the allocated house/apartment under the program.
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Conclusion
The ‘Apni Chhat Apna Ghar’ program represents a transformative step by the Government of Punjab to promote affordable housing and support citizens in achieving homeownership. By leveraging interest-free loans and a transparent allocation process, the scheme aims to uplift the living standards of countless families across the province. Eligible individuals are encouraged to utilize the online registration portal to apply and take a significant step toward securing their own home.
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