What is CM Punjab Apni Chhat Apna Ghar Scheme 2025?
CM Punjab Maryam Nawaz Sharif has launched the Apni Chhat Apna Ghar Scheme 2025 to provide interest-free housing loans to low-income families in Punjab. The initiative aims to solve housing problems and promote homeownership among the underprivileged class.
Key Highlights:
- Over 574,000 citizens applied so far
- 51,000+ families received loans worth PKR 65 Billion
- Loans are interest-free with flexible repayment
- 100,000 houses to be constructed annually
- Targeting widows, disabled, and low-income families
Eligibility Criteria for Apni Chhat Apna Ghar Scheme
To apply, the applicant must:
- Be a permanent resident of Punjab
- Have no owned house/property in their name
- Belong to a low-income group (family income below set threshold)
- Have valid CNIC
- Preference is given to widows, special persons, and women heads of families
Required Documents for Apni Chhat Apna Ghar Scheme
- CNIC Copy
- Proof of income (salary slip / affidavit)
- Family Registration Certificate
- Rent Agreement (if applicable)
- Passport-sized photographs
- Proof of residence (utility bill or rental slip)
How to Apply for Apni Chhat Apna Ghar Scheme
Step 1: Visit Official Portal
Go to https://housing.punjab.gov.pk to access the online form.
Step 2: Fill Online Application Form
Enter your name, CNIC, family info, income details, and housing status.
Step 3: Upload Required Documents
Scan and upload all required documents.
Step 4: Submit and Get Tracking Number
After submission, you will receive an application tracking ID.
Step 5: Verification & Loan Approval
Your application will be verified by Punjab Housing Department. If approved, loan disbursal will begin.
Loan Details
- Type: Interest-Free Loan
- Amount: Depends on project/home size
- Repayment Period: Flexible (5-20 years)
- No Collateral Required
Benefits of the Apni Chhat Apna Ghar Scheme
- Live in your own home
- No markup or interest
- Government assistance with documentation
- Transparent digital process
- Women and special person priority
Latest Updates (July 2025)
- Construction started in 22,600+ homes
- Applications processed daily
- Dedicated help centers across Punjab
- CM Maryam Nawaz personally reviewing progress
Frequently Asked Questions (FAQs)
Q. Who can apply for the Apni Chhat Apna Ghar scheme? A. Any Punjab resident from a low-income group with no property in their name.
Q. Is there any registration fee? A. No, it is completely free.
Q. What if my application is rejected? A. You can reapply after resolving the mentioned issue.
Q. Can women apply separately? A. Yes, women are encouraged and given priority.
Final Words
The CM Punjab Apni Chhat Apna Ghar Scheme 2025 is a golden opportunity for those dreaming of owning a house. Apply now, fulfill all requirements, and become a homeowner under the visionary leadership of Maryam Nawaz Sharif.
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