Apni Chhat Apna Ghar Scheme Register Online 2025

Having one’s own home is a blessing for middle-class citizens who worry about their dreams, security, and future. A citizen can’t build a home with hard-earned savings to feel secure and safe.

To compete with this challenge, the Government of Pakistan introduced a housing scheme called “Apni Chhat Apna Ghar Program” by the Chief Minister of Punjab, Maryam Nawaz. This scheme will facilitate low-income citizens and deliver 100,00 houses across the Punjab within four and a half years with 03 Execution Models.

Here is a complete guide to check eligibility criteria, the procedure to register online, the benefits of the scheme, and the Execution Model Details to apply for your Dream Home. 

How to Apply for Apni Chhat Apna Ghar Scheme?

Here is a step-by-step guide to register for the program.  

Required Information And Documents To Fill The Form

Here are the following points to qualify for the program:

  • Registered Name in NADRA.
  • CNIC number
  • CNIC number of the head of the family ( Husband/ Father).
  • Contact information, i.e., phone number and email. 
  • Gender
  • Address, i.e., division, district, and city. 
  • Property ownership documents 
  • Password for confirmation.  

Online Registration for Apni Chhat Apna Ghar Scheme

After meeting the criteria of required information and documents, you are ready to register online. Follow the steps below:

Ensure a stable internet connection while filling out the form of registration form, and provide valid information; otherwise, you will get disqualified.

Register Now

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Project Vision of “Apni Chhat Apna Ghar Scheme”

The Punjab Chief Minister, Maryam Nawaz, has a vision to provide homes to citizens so that they feel safe. Therefore, she introduced an interest-free loan program of 1 lakh homes to deserving citizens of Multan, Faisalabad, Sialkot, Sargodha, and Rawalpindi to build their own beautiful homes.

This scheme is affordable for low-income segments who live in rental homes with 10,000 to 15,000 monthly rent payments. Keeping this in mind, she maintained a 26,000 monthly installment for a loan of 1-5 marla in urban areas and 1-10  marla in rural areas.

A Message from the CM of Punjab


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۔

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Expected Outcomes of the Scheme

Maryam Nawaz introduced this scheme, having the following expected outcomes for low-income citizens of the Punjab.

Enhancing the positive impact on deserving families will be proud to have their own beautiful home.

  • Better Living Status
  • Reduce Overcrowding for people who promote the Joint Family System
  • Encourage a lifestyle with basic living needs like water, sanitation, gas, or electricity.
  • 100,000 house constructions will provide employment opportunities to laborers.

Details about Apni Chhat Apna Ghar Scheme:

  • The Project Name is “Apni Chhat Apna Ghar Scheme”.
  • The objective is to provide 100,000 affordable houses.
  • Launched by CM Maryam Nawaz.
  • 60% of the Government Subsidy and 40% from Beneficiaries are provided for the scheme.
  • Total Installment duration is 5 years.
  • The monthly installment is 26,000 Pakistani Rupees.

Eligible Cities to Apply for the Scheme

The Scheme is implemented in the cities mentioned below;

  • Rawalpindi
  • Lahore
  • Faisalabad
  • Sialkot
  • Multan 
  • Sargodha

However, the residents of the Punjab from various cities can apply for the program; the cities included are;

RawalpindiJhehlumKasur
Lahore JhangKhanewal
SargodhaHafizabadKhushab
FaisalabadDera Ghazi KhanLayyah
SialkotChiniotLodhran
BahawalnagarChakwalMandi Bahauddin
BahawalpurBhakkarMianwali
MuzaffargarhNankana SahibNarowal
OkaraRahim Yar KhanVehari
PakpattanRajanpurSahiwal

Eligibility Criteria for Apni Chhat Apna Ghar Scheme

Objective: To construct 20,000 low-cost houses within privately developed housing schemes, with a mandate to allocate at least 20% of the area for low-income families.

  • The applicant will be the head of a family and approved by NADRA.
  • Must be a resident of Punjab and not a financial defaulter.
  • Own land must be 1-5 marla in an urban area and 1-10 marla in a rural area.
  • The applicant hasn’t committed a crime or has a record in the FIR register.
  • Registered individual of the National Socio-Economic Registry (NSER).
  • A minimum 60% score for the qualification is required.

Execution Models by Apni Chhat Apna Ghar Program

Apni Chhat Apna Ghar scheme 2025 has three execution models;

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

This model is determined under PHATA and developers for construction and sharing land purposes. Here are the following conditions and strategies;

  • PHATA will be responsible for the trunk infrastructure.
  • PHATA will maintain all infrastructure and constructions.
  • Developers will follow PHATA’s provided Designs that will not change; if changes are needed, then they need approval.
  • The budget is decided according to high construction matters by PHATA.
  • No subsidy of infrastructure will be maintained by the government for state land.
  • The installment amount can vary according to design and construction expenses.
Execution Model-1

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

This execution model is based on the approval from PHATA under the Affordable Private Housing Scheme (APHS) Rules 2020.

  • The objective is to facilitate low-income groups.
  • Approval of developers will be finalized by Private Housing Schemes under APHS Rules, 2020
  • The installment and period will be executed by the agency with an Escrow account.
  • Developers will receive all installation and complete within 5 years, then allot the 5-year allotment.
  • The supervisor of the construction will be PHATA.
  • When the construction is complete, the developers will receive a decided amount via the Escrow account.
Execution Model-2

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

This model is associated with citizens to get an interest-free loan with a subsidy from the government.

  • Citizens can apply to ACAG’s official website http://www.acag.punjab.gov.pk/  for 1-5 marla plots in urban areas and 1-10 marla plots in rural areas.
  • The loan tenure is 5 years and can be extended by 5 to 7 years under specific circumstances.

The government will cover all operational costs and taxes under this scheme.

Execution Model-3

Installment Plan of the ACAG Scheme

The scheme provides an opportunity for deserving citizens to pay 40% down payments in the form of installments within 5 years. The designed installment amount and duration are highly affordable for middle-class families. It is easy to pay installments for the rental amount of a house in a rural area.

Moreover, an extension of three months is also provided to maximize the duration for the citizens who are unable to pay yet. In simple words, the Apni Chhat Apna Ghar Scheme Subsidy is based on 40% down payments and 60% covered by the government.

Benefits Of Apni Chhat Apna Ghar Scheme

The program has benefits for deserving families for the following reasons;

Interest-Free Loans with 60% Government Subsidy

A highlighted benefit for deserving families is to pay 40% down payments with an interest-free loan. The remaining 60% government subsidy is organized, including operational costs and taxes as well.

Affordable

As middle-class families pay rent of 10,000 to 20,000 for their living homes, they can consider it extremely affordable for their own beautiful home.

Easy Online Registration Process

After meeting the eligibility criteria, applicants just visit the website, provide the required information, and apply online in easy steps. No need to print or purchase the form and submission form physically; all online, safe, and fast.

Permanent Residence

This scheme is a blessing for middle-class families by paying affordable installments for their permanent residence. This scheme encourages those groups who are unable to build their home due to daily life expenses and low income.

The scheme provides a permanent shelter for low-income families after completing the affordable installments.

Extremely Affordable Monthly Installments

The Apni Chhat Apna Ghar scheme provides an opportunity to deserving families by maintaining affordable monthly installments similar to their rental payments. The duration is 5 years, which can be extended to 7 years in case they are unable to complete the installments.

Initial Verification Process for ACAG Program

Punjab Housing and Town Planning Agency (PHATA) is responsible for verifying to finalizing the registration process:

  • Family verification via NADRA.
  • Verify the PMT score is 60%.
  • Verify land ownership through PLRA, Cooperatives Department, Development Authorities, etc.

Frequently Asked Questions

We understand you may have questions about the CM Apni Chhat Apna Ghar Scheme 2025 and how it can help you own your dream home

CM Apni Chhat Apna Ghar Scheme 2025 is a program of interest-free loans for deserving citizens of Punjab with affordable installments of 5 years. Under this program, citizens with low incomes can get permanent residence in their own homes.

Punjab residents, widows, low-income groups, rickshaw drivers, or disabled citizens can be eligible for the Apni Chhat Apna Ghar Scheme.

Yes, this scheme is an interest-free loan with affordable installments.

CategoryNon-Lien Based
Financing AmountMinimum: PKR 500,000/- Maximum: PKR 60 Million Maximum: PKR 10 Million for renovation
PricingVariable Rate: 1-Year KIBOR + 1.5%
Financing Tenure3 to 25 Years
Lien MarkingNot Applicable

Can’t find an Answer?

Address

Model Town Punjab Pakistan

Email

admin@apnagharscheme.com.pk

Phone

+92 301 6857600