Apni Chhat Apna Ghar program has been launched by Punjab Chief Minister Maryam Nawaz Sharif. Apni Chhat Apna Ghar Program The aim of this program is to provide affordable houses to one lakh poor and low-income families of Punjab. Apni Chhat Apna Ghar Program This program is especially for those who are currently living in rented houses. Now they have found homes, which is great news for them. This project will be completed in three phases and one hundred thousand houses will be built in approximately four and a half years. Apni Chhat Apna Ghar Program The project will be completed by the Punjab Housing and Town Planning Agency, while the Development and Public Health Engineering Department will supervise it.

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What Is Apni Chhat Apna Ghar Scheme?

Apni Chhat Apni Ghar Scheme is a scheme launched for poor and low-income families of Punjab who have their own land but do not have the money to build a house. There are many families in Punjab who have plots, but they cannot build houses due to lack of money. This scheme will help them and the government will give them interest-free loans so that they can build their own houses and live with dignity.

Highlights of the Scheme

📅 Start Date: September 2024

👩‍💼 Initiated by: Punjab Chief Minister Maryam Nawaz Sharif

💰 Total Loans Disbursed: Over Rs 30 Billion

👨‍👩‍👧‍👦 Families Assisted: 28,219

🏗️ Houses Under Construction: Over 23,500

💸 Loan Type: Interest-Free

🏡 Loan Purpose: To build 5 or 10 Marla houses

🎯 For whom the scheme is for: Poor and low-income families living  in punjab

Also Read: BISP April–June Payments Now Started: Eligibility & District Schedule 

Maryam Nawaz’s Vision for Shelter

This housing scheme is part of the dream of Punjab Chief Minister Maryam Nawaz to provide a safe and dignified home to every family in Punjab, an idea she inherited from the leadership of her father, former Prime Minister Nawaz Sharif.

In just five months, this scheme has become one of the fastest-completed housing schemes in the history of Punjab. This project proves that if leadership is strong, quick approval of loans and early construction of houses is possible, and real change can be brought about in the lives of the poor.

Who Can Apply? (Eligibility Criteria)

Not everyone can apply for this scheme. The Punjab government has set specific conditions so that only those who are truly deserving can benefit.

✅ You can apply for this scheme if:

🏠 You are a permanent resident of Punjab.

📍 You have your own land or plot in Punjab.

🏙️ If you live in an urban area, your plot should be 1 to 5 marla.

🌾 If you live in a rural area, your land should be 1 to 10 marla.

🚫 You have not taken a loan or house from any government scheme before.

💸 You belong to a low-income or financially weak family.

Why This Scheme Matters

This scheme is not just about giving money, but about giving people the opportunity to live with dignity, peace, and security.

Many families were living in rented houses, slums, or makeshift shanties. They are now building solid and secure homes where their children can grow up in a safe environment. Maryam Nawaz also ensured that the application process was easy and online, so that people from villages and small towns could also apply easily without any hurdles or corruption.

How to Apply for Apni Chhat Apna Ghar Scheme (Online)

The method of getting a loan is very simple and it is completely online. Below is the simple method:

📝Step by step method:

🌐Visit the official website: https://acag.punjab.gov.pk/

🖊️Fill the online form correctly.

📎Upload your National Identity Card (CNIC), proof of residence and land ownership documents.

🆔Submit the form.

📄Now wait for verification and loan approval.

📞If you need any assistance, call the government helpline 0800-09100

A Record-Breaking Public Welfare Project

For the first time in the history of Punjab, such a large number of houses are being built in such a short time. Chief Minister Maryam Nawaz said in a meeting that no government in the last five years has done as much work for housing as the current government has done in just five months.

Maryam Nawaz’s strategy of working quickly, the online application system, and special focus on helping the poor have made this scheme a successful example across the country.

Also Read: Good News for Women- BISP Announces Major Expansion Plan Till 2025

Conclusion

The Apni Chhat Apna Ghar program is a historic step by the Punjab government to ensure that every poor and low-income family has a safe, affordable, and dignified home. With interest-free loans, a fully digital application process, and a strong focus on transparency and speed, the scheme has already helped thousands of families start building their dreams.

Launched under the leadership of Chief Minister Maryam Nawaz, this initiative reflects a true commitment to public welfare and housing justice. As the project continues in phases, it promises to transform the lives of 1 lakh deserving families across Punjab — giving them not just houses, but hope for a better future.

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