Every Pakistani dreams of apni chhat apna ghar — a small house where their children grow safely.Now that dream is becoming real with Apni Chhat Apna Ghar Scheme 2025. Under the leadership of Maryam Nawaz, the Punjab government is giving interest-free home loans up to Rs 15 lakh to low-income families.
This isn’t just a scheme — it’s a lifeline for thousands who couldn’t afford construction or completion of their homes before.
From Lahore to Rajanpur, families are finally seeing hope of owning a safe, dignified home.
🏡 What Makes This Scheme Special?
This Punjab Housing Program 2025 is designed for people who already have a small plot but no money to build.
Through Apni Chhat Apna Ghar Scheme 2025, the government is offering easy, interest-free loans with long repayment time.
Key Features
💰 Loan Amount: Up to Rs 1,500,000 (Interest-Free)
🏗️ Purpose: Build or complete your house
⏳ Repayment Time: 7–10 years in easy installments
👩👩👦 Priority: Widows, orphans, disabled, and low-income workers
🔍 Transparency: Managed through PHATA, PITB, and DGPR Punjab
The best part? No markup, no hidden charges!
A simple and transparent process for every citizen who deserves a roof over their head.
📊 Quick Summary: CM Punjab Apni Chhat Apna Ghar Scheme 2025
| Feature | Details |
|---|---|
| Scheme Name | CM Punjab Apni Chhat Apna Ghar Scheme 2025 |
| Loan Type | 100% Interest-Free Home Loan |
| Maximum Amount | Up to Rs. 15 Lakh |
| Purpose | Build or Complete Your Own House |
| Repayment Duration | 7 to 10 Years (Easy Monthly Installments) |
| Eligibility | Punjab Residents with a Small Plot (up to 5 Marla Urban / 10 Marla Rural) |
| Priority Groups | Widows, Orphans, Disabled Persons, Low-Income Workers |
| Official Website | acag.punjab.gov.pk |
| Managing Departments | PHATA, PITB & DGPR Punjab |
🧾 Step-by-Step: How to Apply Online
The online registration is open on the official website. Follow these easy steps:
Visit acag.punjab.gov.pk
Click “Apply Now”
Enter your CNIC, mobile number, and personal details
Upload documents (CNIC, land papers, income proof, utility bill)
Submit your form and save your reference number
Wait for SMS verification and site inspection
Once approved, the loan amount will be released in three phases — ensuring your home is built step by step.
📋 Eligibility Criteria
You can apply if you:
Are a resident of Punjab
Have no completed house in your name
Own a small plot (up to 5 marla urban or 10 marla rural)
Belong to a low-income family
Have a valid CNIC and mobile number
💡 Tip: Keep your CNIC and land record updated to avoid any delay in verification.
❓ FAQs
1. Is the loan really interest-free?
Yes, 100% interest-free — you only return the actual loan in installments.
2. Who will get preference?
Widows, labor-class workers, and people with disabilities will be prioritized.
3. What’s the official website for registration?
Visit acag.punjab.gov.pk for online apply and updates.
💬 Why This Scheme Matters
For years, poor families have dreamed of a permanent house.
With Maryam Nawaz’s Apni Chhat Apna Ghar Scheme 2025, thousands of people can finally say — “Ye ghar mera hai.”
It’s not just about walls and roofs — it’s about dignity, stability, and peace of mind.
🌈 Take the First Step Today
Don’t wait! If you or someone you know qualifies, apply today at
👉 acag.punjab.gov.pk
This could be your chance to move your family into a home of their own —
because everyone deserves Apni Chhat, Apna Ghar.