Imagine that cozy home where your family can unwind—that dream is becoming real for thousands in Punjab, thanks to the Apni Chhat Apna Ghar program. And now, with a new partnership with the Bank of Punjab, it’s leveling up: 100,000 homes, 500,000 jobs, and transformed futures in the making. Let’s break it all down—why this matters, how it works, and how you can benefit.
What Is Apni Chhat Apna Ghar?
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Run by Punjab’s Chief Minister, Maryam Nawaz, this initiative offers low-cost housing to 100,000 qualifying families by 2029.
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It’s about dignity, stability, and a fresh start—not just bricks and mortar.
Why the BOP Boost Matters
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Interest-Free Loans
Borrow up to ₨ 1.5 million—with lower monthly installments (~₨ 14,000) and the first three months payment-free. -
Transparent & Fair Process
No favoritism—applications are merit-based, processed openly. -
500,000 Jobs
From construction work to plumbing and management—this is a huge boost for Punjab’s workforce. -
Eco-Friendly Homes
Built with green, long-lasting materials that help environment and wallet.
📌 2025 Highlights
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₨ 103 billion+ approved funding for 2025–26.
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Over 51,900 loans approved; ~45,200 homes under construction; 6,160 already occupied.
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Expanded to major districts: Lahore, Multan, Faisalabad, Rawalpindi, Sialkot & Sargodha.
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Free 3-marla plots launched under Apni Zameen Apna Ghar.
Who Qualifies?
You’re eligible if you:
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Are a Punjab resident
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Own a small plot (≤5 marla urban, ≤10 marla rural) OR are homeless (free plots available)
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Have a PMT ≤60 (NSER-approved)
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Have a clean criminal record and no existing loans
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Are head of family (as per NADRA)
How to Apply – Step by Step
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Visit acag.punjab.gov.pk
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Complete the NSER survey
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Upload documents: CNIC, plot ownership, and NSER proof
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Submit & wait for SMS confirmation
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Offline? Visit your local Deputy Commissioner’s office—free assistance available!
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Remember: The process is free—never pay anyone extra!
Benefits at a Glance
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Affordable: Pay just 40% of home cost over 7 years—cheaper than most rents!
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No interest = big savings
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Safe, fully-serviced homes: Electricity, sanitation, clean water
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Community uplift: Safer living, local jobs, school-ready spaces
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Empowerment: Stable home = stable future
Avoid These Pitfalls
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Incorrect or missing documents
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Scammers asking for illegal fees
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Forgetting to complete NSER survey
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Missing periodic updates—apply early to increase chances
Real Impact Stories
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Saima from Lahore built a cozy home for her kids with the loan—no more cramped living.
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Zahid in Faisalabad found steady work as a builder, lifting his family’s income.
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So far: 40,000+ homes built, 140,000+ under process, with good access to jobs and services.
FAQs
Q1: Who can apply?
Punjab residents, landowners or homeless, low-income, heads of household.
Q2: Loan amount & repayment?
Up to ₨ 1.5 m, interest-free, spread over 7 years (≈₨ 14,000/month).
Q3: No internet?
Visit your local Deputy Commissioner’s office—they’ll help you for free.
Q4: No land?
Apply via Apni Zameen Apna Ghar for a free 3-marla plot, then use the home loan.
Q5: How to avoid scams?
Apply only through acag.punjab.gov.pk or government offices. Report anything fishy to 0800‑09100.
Q6: How will I know if my loan is approved?
You’ll receive an SMS after application; PHATA will contact you for next steps.