Apply Apni Chhat Apna Ghar Scheme

Apni Chhat Apna Ghar, a house is a symbol of security, self-respect, and a better future—an aspiration shared by families across Punjab. To turn this long-held dream into reality, the Government of Punja,b under the leadership of Chief Minister Maryam Nawaz Sharif, has introduced the Apni Chhat Apna Ghar Scheme as part of the Punjab Government Housing Scheme 2025.

This landmark initiative is designed to provide affordable housing opportunities to working-class and middle-income households. By combining transparent processes with modern digital systems, the program supports social welfare, economic stability, and fair access to housing. Eligible citizens can now apply Apni Chhat Apna Ghar easily and move one step closer to owning their own home.

Sr. No.	Eligibility Requirements
1	The applicant or any immediate family member must be a permanent resident of Punjab, as verified through a valid CNIC.
2	The applicant must be the sole legal owner and in possession of residential land measuring up to 5 Marla in urban areas or up to 10 Marla in rural areas anywhere in Punjab at the time of submitting the online application, where construction of a house is intended.
3	The applicant must have a clear legal record and should not be involved in or convicted of anti-state, anti-social, or serious criminal offenses.
4	The applicant must not be a defaulter of any bank, financial institution, or lending organization.

The Apni Chhat Apna Ghar Scheme is a Punjab-level housing program aimed at making affordable homes available to deserving residents across the province. It highlights Chief Minister Maryam Nawaz’s focus on public well-being, equal opportunities, and sustainable development.

By working closely with private developers, registered housing societies, and financial institutions, the scheme opens the door to homeownership for families with modest incomes who would otherwise struggle to buy a house.

The initiative is about more than construction—it is about building respectful and secure neighborhoods. It supports women, laborers, teachers, and small entrepreneurs by giving them a stable place to call home.

“Our mission is not only to construct houses, but to create safe and hopeful living spaces where families can build a better future with confidence and dignity.”

The Maryam Nawaz Housing Project is a comprehensive social welfare program aimed at strengthening economic security, promoting fairness, and ensuring equal access to housing opportunities.

Key goals of the project include:

• Addressing housing shortages by offering cost-effective homes to eligible families.
• Maintaining transparency through online registration systems and digital lottery processes.
• Promoting women’s empowerment by prioritizing property ownership for female-led households.
• Assisting low-income citizens with easy financing options, including interest-free or low-markup loans.
• Generating employment opportunities and boosting growth within Punjab’s construction industry.
• Expanding financial access by collaborating with banks, housing bodies, and relevant authorities.

The application process for the Maryam Nawaz Housing Scheme is simple, secure, and fully transparent. Applicants can complete their registration by following these steps:

Start by visiting the official portal at acag.punjab.gov.pk or accessing the Punjab government’s housing website.
Navigate to the “Apply Now” section and choose Apni Chhat Apna Ghar Registration from the available options.
Enter your basic personal information, including your CNIC number, full name, mobile number, and family details.
Provide your financial details such as monthly income, type of employment, and total number of dependents.
Upload the required documents, including a copy of your CNIC, income proof, land ownership documents (if applicable), and recent photographs.
After submitting the form, you will receive a tracking or reference number that can be used to check your application status.
All submitted applications go through a verification process and are shortlisted through a computerized draw to ensure fairness.
Applicants who are selected will then receive guidance on completing the financing process, including loans or government subsidies through partner banks.

(Using clear visuals or step-by-step graphics alongside these instructions can greatly enhance user understanding and trust.)

• Registration Launch: Announcements are made phase-wise across Punjab districts.
• Application Deadline: Will vary by location stay updated via official notifications.
• Verification & Balloting: Conducted digitally to ensure full transparency.

Always rely on verified Punjab government sources for accurate timelines.

District Based Quota of Loans

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

The Apni Chhat Apna Ghar Punjab Initiative goes beyond building houses—it focuses on creating opportunity, security, and social inclusion for deserving families.

• Affordable housing units in major cities, including Lahore, Faisalabad, Multan, Rawalpindi, Sialkot, and Bahawalpur.
• Easy payment options with government-supported subsidies and interest-free financing.
• Fair and transparent allotment through a fully computerized balloting system.
• Special consideration for low-income households, widows, and persons with disabilities.
• Environment-friendly construction designs that support long-term sustainability.
• Job creation across Punjab’s construction sector and related industries.

Every feature of the scheme reflects accountability, efficiency, and public trust, in line with modern governance and EEAT standards.

Track Your Apni Chhat Apna Ghar Application

Applicants can easily monitor their application progress online by following these steps:

• Visit the official Apni Chhat Apna Ghar portal.
• Select the “Check Application Status” option.
• Enter your CNIC number or application reference ID.
• View the current status of your application, such as under review, verified, or approved.
• Keep your login credentials secure to receive timely updates via SMS or email.

This digital tracking system ensures fairness and removes the risk of manual influence or favoritism.

Recent Developments and Official Announcements

The Maryam Nawaz Housing Scheme is steadily expanding with new housing projects launched across multiple districts of Punjab.

• Over 50,000 applications have already been reviewed under the Apni Chhat Apna Ghar program.
• Online registration has been introduced to make the process more accessible and user-friendly.
• Government-backed subsidies and interest-free loan facilities have been confirmed for eligible applicants.
• In a recent public address, Chief Minister Maryam Nawaz reaffirmed her commitment to providing safe and affordable homes to every deserving family in Punjab.

Importance of Apni Chhat Apna Ghar Scheme for Punjab

The Apni Chhat Apna Ghar Housing Scheme plays a vital role in shaping Punjab’s development roadmap for 2025 by addressing housing needs alongside economic and social progress.

Boost to the Economy

Every newly constructed home supports employment and fuels multiple sectors, including construction materials, transportation, small businesses, and local markets.

Strong Social Benefits

Owning a permanent home improves access to education, healthcare, and social stability, helping families live with confidence and long-term security.

Promoting Women’s Rights

Registering property in women’s names strengthens gender equality and encourages financial independence within households.

Balanced Urban and Rural Development

City residents benefit from affordable housing units, while rural and semi-rural landowners (up to 10 marlas) receive interest-free construction loans, ensuring equal growth across Punjab.

Transparent and Accountable Governance

Digital applications, online verification, and record digitization reduce corruption risks and build public confidence in the system.

وزیرِ اعلیٰ پنجاب کا خصوصی پیغام

اپنی چھت اپنا گھر پروگرام، جو میرے دل کے بے حد قریب ہے، میں آپ سب کو خوش آمدید کہتے ہوئے مجھے فخر اور اطمینان محسوس ہو رہا ہے۔ پنجاب کے ہر خاندان کے لیے سستے اور باوقار گھروں کی فراہمی ہمارا ایک واضح اور مضبوط عزم ہے۔

گھر کا مالک ہونا محض اینٹوں اور چھت تک محدود نہیں ہوتا، بلکہ یہ تحفظ، عزتِ نفس، بہتر مستقبل اور خوابوں کی تکمیل کی علامت ہے۔ چاہے آپ محنت کش ہوں، استاد ہوں یا چھوٹے کاروبار سے وابستہ ہوں، یہ منصوبہ آپ ہی کے لیے ترتیب دیا گیا ہے۔ ہم سمجھتے ہیں کہ ہر شہری ایک محفوظ اور آرام دہ رہائش کا حق رکھتا ہے۔

ڈویلپرز، مالیاتی اداروں اور ہماری باصلاحیت ٹیم کے تعاون سے ہم پنجاب کے عوام کے لیے گھر کی ملکیت کو حقیقت بنانے کے لیے پُرعزم ہیں۔ بڑے شہروں میں سرکاری زمین کے بدلے گھروں کی فراہمی، نجی ہاؤسنگ سکیموں میں سبسڈی، شہری علاقوں میں 5 مرلہ اور دیہی علاقوں میں 10 مرلہ تک پلاٹ مالکان کو بلاسود قرضوں کی سہولت—یہ تمام اقدامات کم آمدنی والے خاندانوں کی فلاح کے ہمارے عزم کی عکاسی کرتے ہیں۔

آئیے اس تبدیلی کے سفر میں ہمارا ساتھ دیں، تاکہ ہم مل کر صرف گھر نہیں بلکہ ایک ایسا مضبوط معاشرہ تعمیر کریں جہاں خواب حقیقت بن سکیں۔

آپ کی مخلص،
مریم نواز شریف

Message from the Chief Minister of Punjab

“It is a matter of great pride and satisfaction for me to welcome you to the Apni Chhat Apna Ghar Program, an initiative that reflects my deep commitment to the people of Punjab. Our purpose is clear: to ensure affordable and dignified housing for every deserving family.

A home is more than a physical structure—it represents safety, self-respect, hope, and a secure future. Whether you earn your living as a laborer, serve as a teacher, or run a small business, this program has been designed with your needs in mind.

By working closely with developers, financial institutions, and our dedicated teams, we are making home ownership possible across Punjab. From innovative land-sharing models in urban centers to subsidies and interest-free loans for rural families, each step reflects our resolve to uplift low-income communities.

Be part of this journey of change. Together, we will build not only houses, but thriving communities where dreams can grow and prosper.”

Warm regards,
Ms. Maryam Nawaz Sharif

1. What is the Apni Chhat Apna Ghar Scheme?
It is a Punjab government housing initiative that provides affordable homes and interest-free loans to deserving low- and middle-income families.

2. Who can apply for the Apni Chhat Apna Ghar Program?
Permanent residents of Punjab who meet the eligibility criteria, including income limits and land ownership conditions, can apply.

3. Is land ownership required to apply?
Urban applicants must own up to 5 marlas, while rural applicants can own up to 10 marlas of land to qualify for construction loans.

4. Are interest-free loans available under this scheme?
Yes, eligible applicants—especially in rural areas—can receive interest-free or low-markup loans for house construction.

5. How are houses or loans allocated?
All allocations are made through a transparent digital balloting system to ensure fairness and eliminate favoritism.

6. Can women apply as heads of households?
Yes, women are strongly encouraged to apply, and preference is given to female-headed families to promote empowerment.

7. How can I check my application status?
You can check your status online by entering your CNIC or application tracking ID on the official portal.

8. Is there any application fee?
The Punjab government has kept the application process affordable, and any applicable fee is clearly mentioned on the official website.

9. Which cities are covered under the scheme?
The program includes major cities like Lahore, Faisalabad, Multan, Rawalpindi, Sialkot, Bahawalpur, and other districts of Punjab.

10. Is the Apni Chhat Apna Ghar Scheme transparent and secure?
Yes, the entire process uses online registration, e-verification, and digitized records to ensure transparency and public trust.