The "Apni Chhat Apna Ghar" Program, initiated by the Chief Minister of Punjab, aims to provide 100,000 affordable houses/apartments across Punjab over four and a half years. This initiative targets low-income groups, helping them transition from rented or informal living conditions to homeownership. The program is implemented by the Punjab Housing & Town Planning Agency (PHATA) and overseen by the Housing, Urban Development, and Public Health Engineering Department (HUD&PHED).
Expected Outcomes
- Improved living conditions and reduced slum dwellings.
- Access to basic amenities (water, sanitation, and electricity).
- Enhanced community safety and cohesion.
- Creation of approximately 500,000 jobs and economic growth.
Construction on State Land (10,000 Units)
- Housing units constructed on state land through a land-sharing arrangement between developers and PHATA.
- Developers bear the capital cost for infrastructure and construction in exchange for land.
- PHATA provides designs, structural drawings, and monitors quality standards.
- Housing prices and installment plans set by the government.
Affordable Housing in Private Schemes (20,000 Units)
- Developers allocate 20% or more of residential areas in private schemes for affordable housing under APHS Rules, 2020.
- A one-window mechanism ensures streamlined approvals and timely NOCs.
- Government provides a subsidy of PKR 1 million per unit.
- Allottee pays the down payment, followed by a 5-year installment plan.
- Payments to developers are tied to milestone achievements and monitored by PHATA.
Interest-Free Loans (70,000 Units)
- Interest-free loans up to PKR 1.5 million for residents of Punjab with residential plots (up to 5 marlas urban, 10 marlas rural).
- Loan tenure is 7 years with easy monthly installments.
- Funds disbursed in tranches and managed through a revolving fund replenished by repayments.
- Operational costs covered by the Government of Punjab.
Eligibility Criteria
- Applicant or family member who is a permanent resident of Punjab as per his/her CNIC.
- Applicant is sole owner and possessor of a parcel of land measuring 5 Marla or less in urban areas and land up to 10 Marla in rural areas anywhere in Punjab, on the date of online application submission, wherein he/she intends to build his/her house.
- Applicant should not have a criminal record such as being convicted for anti-state, anti social activities and heinous crimes etc.
- Applicant should not be a loan defaulter of any financial institution/bank etc.
How to apply
Apni Chat Apna Ghar Scheme Registration Form (Complete Guide)
- Visit the ACAG Website. Go to the ACAG website, and the registration form will appear on the screen.
- Enter Your Personal Information.
- Provide Additional Details.
- Fill in Location Details.
- Create a Password.
- Submit Your Application.
- Confirmation via SMS.
Website
Last Date
- There is no official announcement regarding the last date to apply for the "Apni Chhat Apna Ghar" scheme in 2025