Introduction
Punjab Government has launched a major initiative to help people without proper homes through the Apni Chhat Apna Ghar Scheme 2025. Led by Chief Minister Maryam Nawaz Sharif, this scheme offers interest-free loans for the construction of 5 and 10 marla houses.
This scheme started in September 2024 and is now delivering real results. Over 23,500 houses are nearly finished, and more than Rs 30 billion in loans have already been distributed among 28,219 deserving families.
What Is Apni Chhat Apna Ghar Scheme?
The Apni Chhat Apna Ghar Scheme is a housing project for low-income families in Punjab who own a piece of land but cannot afford to build a house on it. Many families in Punjab have plots of land but not enough money to construct a proper home. This scheme solves that problem by providing interest-free loans so they can build and live in their own homes.
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Highlights of the Scheme
- Launched in: September 2024
- Initiated by: CM Maryam Nawaz Sharif
- Total loans given: Rs 30 billion+
- Families supported: 28,219
- Houses under construction: 23,500+
- Loan type: Interest-free
- Loan purpose: Build 5 or 10 marla houses
- Target audience: Poor and low-income families in Punjab
Maryam Nawaz’s Vision for Shelter
This housing scheme is part of Maryam Nawaz’s long-term vision to fight homelessness in Punjab. Inspired by her father’s leadership, former Prime Minister Nawaz Sharif, she wants every family in Punjab to have a safe and respectable place to live.
In just five months, this scheme has become one of the fastest housing programs in the province’s history. The project shows how effective leadership can bring real change, from quick loan approvals to rapid house construction.
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Who Can Apply? (Eligibility Criteria)
Not everyone can apply. The Punjab Government has set specific rules to make sure only the right people benefit from this scheme.
You can apply if:
- You are a permanent resident of Punjab.
- You own a plot in Punjab.
- In urban areas: Your plot must be 1 to 5 marla.
- In rural areas: Your land should be 1 to 10 marla.
- You have not received any loan or house from similar past schemes.
- You belong to a low-income or financially weak family.
Why This Scheme Matters
This scheme is more than just giving money it gives people a chance to live with dignity, peace, and security. Many families were living in rented houses, slums, or temporary shelters. Now they are building strong homes where their children can grow safely.
Maryam Nawaz also made sure that the application process is digital and easy so that people, even in small towns and villages, can apply without facing long delays or corruption.
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How to Apply for Apni Chhat Apna Ghar Scheme (Online)
Applying for the loan is simple and fully online. Here’s how you can do it:
Step-by-Step Application Process:
- Visit the official website: https://acag.punjab.gov.pk/
- Fill out the online application form.
- Upload your CNIC, proof of residence, and land ownership documents.
- Submit the form.
- Wait for verification and loan approval.
If you need any help, you can call the government helpline at 0800-09100.
A Record-Breaking Public Welfare Project
This is the first time in Punjab’s history that so many houses are being built in such a short time. CM Maryam Nawaz said in a recent meeting that no government in the past five years has done as much for housing as this one has done in just five months.
Her focus on quick action, digital processing, and support for the poor has made this scheme a national success story.
Final Words: Don’t Miss This Chance
The Apni Chhat Apna Ghar Scheme 2025 is not just a housing program — it is a promise of hope for thousands of families. If you or someone you know meets the requirements, this is a golden opportunity to build your own home with no interest and no hidden fees.
Apply now and take the first step towards building a brighter future for your family.
Also Read It : BISP April 2025 Payment Eligibility
FAQs – Frequently Asked Questions
Is this scheme only for Punjab residents?
Yes, only permanent residents of Punjab are eligible.
Can I apply if I already benefited from a housing scheme?
No, this scheme is only for new applicants who haven’t received support before.
Is the loan really interest-free?
Yes, all loans under this scheme are completely interest-free.
What kind of land is acceptable?
You must own a plot between 1 to 5 marla (urban) or 1 to 10 marla (rural).
Where can I apply?
You can apply online at https://acag.punjab.gov.pk/.