Apni Chat Apna Ghar Scheme

The Punjab Chief Minister, Maryam Nawaz, strongly believes that every citizen deserves a safe and dignified place to live. With this vision, she introduced an affordable, interest-free housing loan initiative aimed at helping residents of Multan, Faisalabad, Sialkot, Sargodha, and Rawalpindi construct their own homes.

The Apni Chat Apna Ghar Scheme operates through three different execution models and targets the construction of 100,000 housing units across major cities. Keeping the challenges of middle-class families in mind, the monthly installment has been kept as low as PKR 14,000, which is comparable to the rent of a modest house. Citizens who own 1–5 marla land in rural areas or 1–10 marla land in urban areas are eligible to apply for this loan.

Project’s Vision

The core aim of the Apni Chat Apna Ghar Scheme is to ensure shelter for low-income households. To make this possible, Chief Minister Maryam Nawaz has guaranteed affordable monthly installments of PKR 14,000. She has also emphasized durability and practicality in housing designs, ensuring that homes remain functional for many years. To build public trust, she directed that sample house designs be completed within six weeks so beneficiaries can visualize their future homes before construction begins.

A Message from Chief Minister Punjab

وزیر اعلی پنجاب کا پیغام اپنی چھت اپنا گھر پروگرام جو میرے دل کے بہت قریب ہے اِس میں آپ کا خیر مقدم کرتے ہوئے مجھے بے حد خوشی اور اطمینان ہے۔ ہمارا پنجاب میں خاندان کے لیے سستے گھر فراہم کرنے کا مقصد سادہ لیکن بہت شاندار ہے۔ گھر کا مالک ہونا صرف دیواروں اور چھتوں کی حد تک محدود نہیں بلکہ یہ سلامتی، باوقار زندگی، روشن مستقبل اور خوابوں کی تعبیرکے مترادف ہے۔ آپ چاہے مزدور ہیں، اُستاد ہیں یا کسی چھوٹے کاروبار کے مالک ہیں، یہ پروگرام آپ سب کو مدنظر رکھتے ہوئے تشکیل دیا گیا ہے۔ ہمیں ادراک ہے کہ ہر شہری ایک محفوظ اور آرام دہ گھر کا مستحق ہے۔

ڈویلپرز، مالیاتی اداروں اور ہماری ہونہار اورمحنتی ٹیم کے باہمی تعاون کے ذریعے ہم پنجاب کے ہر شہری کے لیے گھر کی ملکیت کی رسائی کے لیے پر عزم ہیں۔ ہمارے تشکیل دئیے گئے ماڈلز چاہے وہ بڑے شہروں میں گھر فراہم کرنے کے عوض سرکاری زمین کی فراہمی ہو یا اِس پروگرام کے تحت نجی ہاؤسنگ سکیموں میں سستے مکانات سے مستفید ہونے والے معزز شہریوں کو سبسڈی مہیا کرنا ہو یا شہری علاقوں میں 5 مرلہ تک پلاٹ مالکان بمعہ قبضہ اور دیہاتی علاقوں میں 10 مرلہ تک پلاٹ مالکان بمعہ قبضہ کو بلاسود قرضہ فراہم کرنا ہو، یہ سب کے سب ہمارے کم آمدنی والے خاندانوں کی ترقی کے عزم کی عکاسی کرتے ہیں۔ تبدیلی کے اِس سفر میں آپ ہمارا ساتھ دیں اور ہم مل کر صرف گھر ہی نہیں بلکہ ایک ایسا معاشرہ تشکیل دیں جہاں خواب حقیقت کاروپ دھارتے ہوں۔

آپ کی خیراندیش مریم نواز شریف

Expected Outcomes

The Apni Chat Apna Ghar Scheme is expected to significantly enhance living standards for middle-class families across Punjab. Some of the key outcomes include:

Middle-income households will gain access to improved housing facilities. The program aims to reduce overcrowding caused by families living in limited spaces due to the inability to own homes. Residents of informal settlements will gain access to essential services such as clean drinking water, electricity, and sanitation. The construction of 100,000 houses will generate substantial employment opportunities for skilled and unskilled labor. Overall, the scheme is designed to bring positive social and economic change for deserving families.

Details about Apna Ghar Apni Chat

Project Name: Apni Chat Apna Ghar Scheme Launched By: CM Punjab Maryam Nawaz Objective: To provide own shelter Goal: Loan for 100,000 houses Installment Amount: 26000 Pakistani Rupees Government Subsidy: 60% provided by Government Down Payment: 40% by Beneficiary Installment Period: 5 years

District Based Quota of Loans

Sr. No.	Zone	PHATA Region	District	Loan Distribution	PHATA Region-wise Units	Packaging
1	Center	Bhakar	Bhakar	283	1913	4423
2	Center	Bhakar	Khushab	243
3	Center	Bhakar	Layyah	366
4	Center	Bhakar	Mianwali	307
5	Center	Bhakar	Muzaffargarh	714
6	Center	Faisalabad	Chiniot	313	2511
7	Center	Faisalabad	Faisalabad	851
8	Center	Faisalabad	Jhang	451
9	Center	Faisalabad	Sargodha	520
10	Center	Faisalabad	Toba Tek Singh	376
11	North	Lahore	Gujranwala	657	5804	8003
12	North	Lahore	Hafizabad	302
13	North	Lahore	Kasur	484
14	North	Lahore	Lahore	1690
15	North	Lahore	Nankana	314
16	North	Lahore	Narowal	357
17	North	Lahore	Okara	518
18	North	Lahore	Pakpattan	401
19	North	Lahore	Sheikhupura	512
20	North	Lahore	Sialkot	570
21	North	Rawalpindi	Attock	287	2198
22	North	Rawalpindi	Chakwal	263
23	North	Rawalpindi	Gujrat	466
24	North	Rawalpindi	Jhelum	225
25	North	Rawalpindi	Mandi Bahauddin	358
26	North	Rawalpindi	Rawalpindi	600
27	South	Bahawalpur	Bahawalnagar	454	1684	5074
28	South	Bahawalpur	Bahawalpur	517
29	South	Bahawalpur	Rahim Yar Khan	714
30	South	Multan	DG Khan	498	3390
31	South	Multan	Khanewal	458
32	South	Multan	Lodhran	380
33	South	Multan	Multan	726
34	South	Multan	Rajanpur	368
35	South	Multan	Sahiwal	443
36	South	Multan	Vehari	517
Total				17500	17500	17500

Execution Models

The Apni Chat Apna Ghar Scheme has been structured around three execution models to effectively meet its housing targets.

Execution Model-1 (Tentative 10,000 Housing Units)

Under this model, PHATA collaborates with developers through equity-based or state land-sharing arrangements to facilitate housing construction.

• PHATA will provide the infrastructure and construction framework to the developers.
• Developers are required to strictly adhere to the designs approved and provided by PHATA.
• No changes to the infrastructure are permitted without prior approval from PHATA.
• As the infrastructure and construction materials provider, PHATA will ensure high-quality construction within the approved budget.
• For construction on state-owned land, the government will not provide any infrastructure subsidy.
• The government will determine installment amounts based on the approved house or unit size and design.
• PHATA will be responsible for the development of trunk infrastructure through block allocation, subject to approval by the Punjab Government.

Execution Model-2 (Tentative 20,000 Housing Units)

This model focuses on housing projects within residential areas, where developers must obtain PHATA approval under the Affordable Private Housing Scheme (APHS) Rules 2020.

• Under this execution model, the government will support low-income and middle-income families.
• Private housing schemes approved under the APHS Rules, 2020 will be authorized for developer participation.
• The government is committed to providing a streamlined approval process through a one-window mechanism, ensuring faster approvals without the need to approach multiple departments.
• House size and design will be standardized and provided by PHATA, which will also determine the installment structure and repayment tenure. All financial transactions will be conducted through an escrow account.
• Developers will receive installment payments through the escrow account, and upon completion of the five-year loan period by the allottee, the developer will formally transfer ownership of the house to the allottee.
• PHATA will oversee the entire construction process to ensure quality and compliance with approved standards.
• Developers will be released payments from the escrow account upon successful completion of each approved construction milestone.

Execution Model-3 (Tentative 70,000 loan for Housing Units)

ballot 3 This model offers interest-free, government-subsidized loans directly to eligible citizens.

• Individuals owning a 1 to 5 marla plot in urban areas or a 1 to 10 marla plot in rural areas are eligible to apply for the loan through ACAG’s website: www.acag.punjab.gov.pk.
• The loan repayment period ranges from 5 to 7 years, with installment amounts determined by the chosen tenure.
• All operational costs and taxes will be fully covered by the government.

Initial Verification Process

PHATA will conduct the verification process after registration closes. Verification includes:

• Determine family status using NADRA records.
• Verify that the PMT score is below 60.
• Confirm land ownership via PLRA, Cooperatives Department, Development Authorities, or other relevant authorities.

Benefits Of Apni Chat Apna Ghar Scheme

Interest-Free Loans

The scheme sometime also call apni zameen apna ghar, removes the burden of high interest rates, making home construction achievable for many families. The government contributes 60% of the total cost, while beneficiaries are responsible for only 40%.

Affordable

Beneficiaries are granted a three-month grace period before installments begin. Monthly payments of PKR 14,000 make this scheme more affordable than typical rent or even vehicle installments.

Easy Registration Process for Apni Chat Apna Ghar

The application process is simple and accessible through online forms, a toll-free helpline, or designated registration centers.

Permanent Residence

This program enables landowners who lack financial means to finally construct permanent homes, offering long-term stability and security.

Apni Chat Apna Ghar Scheme Subsidy

The Punjab Government subsidizes 60% of the total housing cost, while beneficiaries repay the remaining 40% over five years through manageable installments.

Eligible Cities for Apni Chat Apna Ghar Scheme

Although launched across Punjab, applications are currently open for residents of the following cities:

City	City	City	City
Rawalpindi	Lahore	Multan	Sargodha
Faisalabad	Sialkot	Attock	Bahawalnagar
Bahawalpur	Bhakkar	Chakwal	Chiniot
Dera Ghazi Khan	Gujranwala	Gujrat	Hafizabad
Jhang	Jhelum	Kasur	Khanewal
Khushab	Layyah	Lodhran	Mandi Bahauddin
Mianwali	Muzaffargarh	Nankana Sahib	Narowal
Okara	Pakpattan	Rahim Yar Khan	Rajanpur
Rawalpindi	Sahiwal	Sargodha	Sheikhupura
Sialkot	Toba Tek Singh	Vehari

Eligibility Criteria

Applicants must meet the following criteria to qualify:

No.	Requirement Category	Details
1	Family Status	Applicant must have the designation of Head of the Family
2	Residency	Must be a permanent resident of Punjab province according to NADRA records
3	Property Ownership	Must own 1–5 Marla in urban areas or 1–10 Marla in rural areas
4	Criminal Record	Must have no criminal record and no FIR registered
5	Financial Status	Must not be a financial defaulter
6	NSER Registration	Must be a registered individual in the National Socio-Economic Registry (NSER)
7	Eligibility Score	NSER score must be less than 60%

Installment Plan

The installment plan has been designed to minimize financial pressure. Beneficiaries pay only 40% of the total cost over five years, with installments starting after a three-month grace period. The monthly amount is comparable to modest house rent, ensuring affordability.

How to Apply for Apni Chhat Apna Ghar Scheme?

Required Information And Documents To Fill The Form

Applicants must provide:

Field	Details Required
Full Name	Full name as registered in NADRA
CNIC Number	Applicant’s CNIC number
Head of Family CNIC	CNIC number of head of the family (Husband/Father)
Contact Information	Phone number and email address
Gender	Male / Female / Other
Address	Division, District, and City
Property Ownership Documents	Relevant property ownership documents
Account Password	Create a new password (for first-time users) or provide existing password for confirmation

Application Form

Online Registration

Applicants can apply online through the official portal by following these steps:

Step No.	Action	Description
1	Visit Official Website	Open the official website of the scheme: https://acag.punjab.gov.pk/
2	Click Registration Button	Tap on the Registration button located at the top-right corner of the website
3	Access Registration Form	You will be redirected to the online registration form
4	Fill Required Information	Enter all required details carefully and ensure the information is authentic to avoid disqualification
5	Submit Registration	Press the Register button to complete the process

Those without internet access may choose alternative methods.

Toll-Free Number

Applicants can call 0800-09100 for registration and guidance. Representatives will assist in completing the application.

Physical Availability of Application Forms

Applicants may also visit their nearest registration center, where officials will assist in submitting the form.

Apna Ghar Apni Chat Application Status Check

You can check the Apna Ghar Apni Chhat application status by following these simple steps:

1. Visit the official website of the Apna Ghar Apni Chhat scheme.
2. Look for the option “Application Status” on the homepage.
3. Click on it and enter the required details, such as your application number, registered mobile number, or Aadhaar number.
4. Submit the details.
5. Your application status will be displayed on the screen, showing the current stage like submitted, under verification, approved, or allotted.

This online method makes it easy to track your application anytime without visiting an office.

Conclusion

For low-income families owning small plots of land, the Apni Chat Apna Ghar Scheme offers a valuable opportunity to build a permanent home. Chief Minister Maryam Nawaz launched this initiative to address housing challenges and improve living conditions across Punjab. Eligible citizens are encouraged to apply and take a step toward a secure and dignified future.