Apply now for Apni Chhat Apna Ghar Program 2025 check eligibility, models, loan details.Apni Chhat Apna Ghar Program 2025 offers 100,000 affordable homes for low-income families across Punjab.
Overview of Apni Chhat Apna Ghar Program 2025
Apni Chhat Apna Ghar Program 2025 is a flagship housing initiative by the Chief Minister of Punjab, aiming to provide 100,000 affordable houses or apartments to deserving residents across Punjab in 4.5 years. Apni Chhat Apna Ghar Program 2025 targets low-income families currently living in rented or informal settlements, helping them achieve the dream of home ownership.
Apni Chhat Apna Ghar Program 2025 is executed by the Punjab Housing & Town Planning Agency (PHATA) under the supervision of the Housing, Urban Development & Public Health Engineering Department (HUD&PHED).
Key Benefits of Apni Chhat Apna Ghar Program 2025
- 100,000 low-cost houses/apartments across Punjab
- Improved living standards for low-income families
- Better access to water, electricity, and sanitation
- Reduction in urban slums and overcrowding
- Around 500,000 jobs will be created (direct + indirect)
- Promotes social inclusion and community development
Eligibility Criteria for Apni Chhat Apna Ghar Program 2025
To apply for Apni Chhat Apna Ghar Program 2025, the applicant must:
- Be the head of the nucleus family (verified by NADRA)
- Be a permanent resident of Punjab (as per CNIC)
- Own up to 5 marla land (urban) or up to 10 marla land (rural)
- Have no criminal record or loan default
- Be registered in NSER with a PMT score of 60 or less
Execution Models of Apni Chhat Apna Ghar Program 2025
Model 1: Land Sharing on State Land (10,000 Units)
- Construction on state land via land-sharing agreement with developers
- Developers will fund complete infrastructure and housing cost
- PHATA provides land use plans and structural drawings
- Government sets pricing and installment plans
- No subsidy or cost sharing by government on construction
- Trunk infrastructure developed by PHATA
Model 2: Private Housing Scheme Quota (20,000 Units)
- 20% of residential area reserved in private schemes approved by PHATA
- Developers to construct houses as per PHATA specifications
- Government subsidy of Rs. 1 million per unit
- Allottee pays down payment via Escrow account
- Remaining payment in easy monthly installments over 5 years
- Monitored and approved by PHATA at every construction milestone
Model 3: Interest-Free Housing Loans (70,000 Units)
- Interest-free housing loan up to Rs. 1.5 million
- For owners of plots (up to 5 marla urban / 10 marla rural)
- Apply via official website: acag.punjab.gov.pk
- 7-year repayment period with monthly installments
- Disbursement in phases; revolving fund system
- Operational and tax costs borne by the Punjab Government
District-Wise Loan Quota Distribution
Here is the summary of loan distribution across regions under Apni Chhat Apna Ghar Program 2025:
| Zone | Region | Districts Covered | Loan Units |
|---|---|---|---|
| Center | Bhakar | Bhakar, Khushab, Mianwali, etc. | 1,913 |
| Faisalabad | Faisalabad | Chiniot, Jhang, Toba Tek Singh | 2,511 |
| North | Lahore | Gujranwala, Lahore, Sialkot, etc. | 5,804 |
| Rawalpindi | Rawalpindi | Attock, Jhelum, Chakwal, etc. | 2,198 |
| South | Bahawalpur | Bahawalnagar, RYK, etc. | 1,684 |
| Multan | Multan | Multan, DG Khan, Lodhran, etc. | 3,390 |
Total Loan Units: 17,500 (Initial Phase)
Contact Information for Apni Chhat Apna Ghar Program 2025
- Phone: 042-99213419, 99213428
- Email: info@phata.punjab.gov.pk
- Official Website: acag.punjab.gov.pk
Official Link for Apni Chhat Apna Ghar Program 2025
CITIZEN REGISTRATION FORM LINK : https://acag.punjab.gov.pk/Layouts/Registration.aspx
Login Link for Apni Chhat Apna Ghar Program 2025 : https://acag.punjab.gov.pk/Login.aspx
Message from the CM Punjab for Apni Chhat Apna Ghar Program 2025
“Home is more than a structure; it’s about dignity, dreams, and a better future. Apni Chhat Apna Ghar Program 2025 ensures that every family—whether a laborer or teacher—can own a home. Together, we’ll build not just houses, but inclusive, thriving communities.”
FAQs – Apni Chhat Apna Ghar Program 2025
1. Who can apply for the Apni Chhat Apna Ghar Program 2025?
Only Punjab residents who are heads of families, have a valid CNIC, and own a small parcel of land are eligible.
2. What is the total number of houses being constructed?
The target is to build 100,000 affordable homes over 4.5 years.
3. Is there any age limit to apply for Apni Chhat Apna Ghar Program 2025?
No official age limit, but applicants must be heads of family.
4. Can I apply if I live on rented property?
You must own a small piece of land (up to 5 marla urban, 10 marla rural) to qualify.
5. What is the PMT score limit to qualify?
Your NSER PMT score must be 60 or below to be eligible.
6. How much loan can I get in Model-3?
You can receive up to Rs. 1.5 million in interest-free loan, payable over 7 years.
7. Will I get any subsidy in the private scheme model?
Yes, the government provides a Rs. 1 million subsidy to each eligible applicant.
8. Can I sell my house after getting it through this program?
Not immediately; resale terms will be defined by PHATA after full payment and possession.
9. How do I apply online?
Visit the official portal: acag.punjab.gov.pk and fill out the form with accurate details.
10. Will PHATA monitor the construction?
Yes, PHATA will supervise and approve each construction phase in all models.
Conclusion for Apni Chhat Apna Ghar Program 2025
Apni Chhat Apna Ghar Program 2025 is a transformative step toward reducing Punjab’s housing shortage, promoting economic uplift, and giving dignity to thousands of families. Whether you’re seeking interest-free loans, affordable apartments, or housing via private developers, this scheme offers a reliable path to homeownership.
Don’t miss your chance—apply now and secure your future home!
For more Updates about Government Schemes visit our website: https://pakgovschemes.pk/