Apni Chhat Apna Ghar Scheme: Punjab Chief Minister Maryam Nawaz has launched the Chhat Apna Ghar scheme for low-income people. She has said that this scheme aims to provide loans to poor people without interest. Apart from this, the Punjab government has announced that the loan from the Apna Chhat Apna Ghar scheme will be announced very soon.
If you are also a resident of the country of Pakistan, you belong to Punjab, then you can get this loan up to 15 lakh rupees without interest. It has been started for this reason. Those people who live in Punjab belong to poor families and provide them with their own house by providing loan amount.
Key Features of Apni Chhat Apna Ghar Scheme 2025
- Loan up to Rs. 1.5 Million (15 Lakh)
- Interest-free or subsidized markup for eligible families
- Easy documentation & fast approval
- Loans available for construction, renovation, or extension
- Special quota for widows, disabled persons, and low-income earners
- Available across all districts of Punjab
- Government-supported housing infrastructure
Eligibility Criteria for 15 Lakh Housing Loan
To qualify under the scheme, applicants must meet the following requirements:
Basic Requirements
- Must be a resident of Punjab
- Valid CNIC
- Age between 20 to 60 years
- Monthly income within the low or lower-middle-income bracket
- Must not own more than one house/plot
- Must not have defaulted on any bank loans
Priority Groups
- Widows
- Disabled persons
- Orphans
- Low-income families
- Labour workers
- Daily wage earners
- Flood-affected households
Documents Required for Apni Chhat Apna Ghar Scheme 2025
Prepare the following before applying:
1. Personal Identification Documents
- CNIC (original + copy)
- Family Registration Certificate (FRC) (optional)
- Applicant’s photograph
2. Income & Employment Verification
- Salary slip (if salaried)
- Business proof (if self-employed)
- Bank statement (last 6 months)
- Income certificate (for low-income households)
3. Property & Housing Documents
(Based on loan type: construction, renovation, or extension)
- Property ownership papers
- Registry / Fard / Allotment Letter
- House map or construction plan
- Approval from local authority (if required)
4. Additional Supporting Documents
- Widow certificate (if applicable)
- Disability certificate (if applicable)
- Affidavit for self-owned land (if needed)
Loan Amount & Repayment Structure
Loan Amount: Up to Rs. 15,00,000 (15 Lakh)
Repayment Tenure: 5 to 15 years
Interest / Markup:
- ✔ Zero markup (interest-free) for lowest-income families
- ✔ Subsidized markup for middle-income families
Usage
- Construction of a new house
- Renovation of existing home
- Adding new rooms, kitchen, washroom, flooring, roofing, etc.
also read this : PSER 2025 Online Registration Essential Documents And Process Explained
Responsibilities & Skills Required for Applicants
Although this is not a job program, applicants must fulfill certain responsibilities:
1. Loan Utilization
Responsibilities
- Use loan strictly for construction/renovation
- Maintain receipts and proof of expenditure
- Complete construction within approved timeline
Skills Required
- Basic planning & budgeting
- Ability to coordinate with builders/contractors
2. Financial Responsibility
Responsibilities
- Ensure timely monthly installment payments
- Maintain a clean bank record
- Inform bank of any major financial changes
Skills Required
- Financial management
- Document handling
3. Verification Cooperation
Responsibilities
- Provide correct information during property and income verification
- Allow survey teams to visit site if needed
Skills Required
- Good communication
- Honesty & transparency
How to Apply – Step-by-Step Registration Process
Step 1: Visit the Official Punjab Housing Portal
Go to the Punjab Government’s Housing Scheme Portal (I can add a formal URL if you want).
Step 2: Create Your Profile
Enter:
- CNIC number
- Mobile number
- Basic personal information
Step 3: Fill Out Online Application Form
Provide:
- Income details
- Family information
- Property details
- Type of loan (construction/renovation)
Step 4: Upload Required Documents
Upload scanned copies of:
- CNIC
- Property documents
- Income proof
- Photograph
Step 5: Verification by Government & Banks
Your application will undergo:
- NADRA verification
- Bank eligibility checks
- Property verification
Step 6: Loan Approval
Once approved:
- You receive a Loan Sanction Letter
- Provide signatures & finalize agreement
Step 7: Funds Disbursement
Loan is issued in installments based on construction progress.
Helpline & Official Contact Details
Head Office (Punjab Housing Department)
Punjab Housing & Urban Development Department,
Civil Secretariat, Lahore, Pakistan.
Helpline
📞 042-111-991-004
📞 042-99212345
📧 info@phata.punjab.gov.pk
📧 support@housingpunjab.gov.pk
Postal Code
📮 54000 – Lahore, Punjab
also read this : Punjab Minority Card Registration Has Been Started Latest Update 2025
Final Thoughts
The Apni Chhat Apna Ghar Scheme by Maryam Nawaz is a groundbreaking housing initiative aimed at helping low-income and middle-income families build safe, durable homes. With loans up to 15 lakh, interest relief, and simple requirements, this scheme provides a real opportunity for thousands of families in Punjab to achieve the dream of owning or improving their own home.
If you qualify, complete the registration early and prepare all required documents to ensure fast approval.