A New Beginning for Middle-Class Families in Punjab
Owning a home is more than having four walls — it represents safety, stability, and a lifetime of dreams. Yet for many middle-class families in Pakistan, constructing a house with limited income has become an uphill struggle.
To ease this burden, Chief Minister Punjab Maryam Nawaz has introduced the Apni Chat Apna Ghar Scheme 2025, a housing initiative designed to make homeownership achievable through easy and interest-free loans. The program aims to provide 100,000 houses to eligible citizens across Punjab through structured monthly installments.
What Is the Apni Chat Apna Ghar Scheme 2025?
Under this welfare housing plan, the Punjab Government has rolled out a program where families from cities such as Multan, Faisalabad, Sialkot, Sargodha, and Rawalpindi can access interest-free housing loans. The goal is simple yet impactful — to give every hardworking family the chance to build their own home with dignity and financial comfort.
The scheme offers three unique execution models, with a collective mission to complete 1 lakh housing units. The monthly installment has been kept as low as Rs. 14,000, equivalent to the average rent of a modest house in most cities. Applicants owning 1–5 marla plots in rural areas or 1–10 marla plots in urban zones are eligible to apply.
Vision Behind the Project
The Apni Chhat Apna Ghar Scheme 2025 is rooted in the vision of ensuring that every low-income household has a safe and sustainable roof over their heads. The Chief Minister has emphasized affordable repayments, durable home designs, and fast-track construction within just six weeks. This initiative not only uplifts middle-income families but also promotes a sense of social security and inclusion.
Message from CM Punjab Maryam Nawaz
اپنی چھت اپنا گھر پروگرام میرے دل میں ایک خاص مقام رکھتا ہے۔ ہر شہری — چاہے وہ استاد ہو، مزدور ہو، یا چھوٹا کاروباری ہو — محفوظ اور باعزت گھر کا حق دار ہے۔ ہمارا مقصد صرف دیواریں اور چھت فراہم کرنا نہیں بلکہ خاندانوں کو تحفظ، استحکام، اور امید کے ساتھ مضبوط بنانا ہے۔ مل کر، ترقیاتی اداروں، مالیاتی اداروں اور وقف ٹیموں کے تعاون سے، ہم پنجاب کو ایسے صوبے میں بدلیں گے جہاں ہر خاندان کا اپنا گھر ہو۔
— مریم نواز شریف، وزیرِ اعلیٰ پنجاب
Key Objectives and Expected Impact
This initiative is expected to reshape Punjab’s urban and rural housing landscape.
Here’s how the scheme benefits its participants and the broader society:
- Enables middle-class families to acquire affordable homes.
- Helps reduce urban overcrowding and improves living standards.
- Provides basic amenities like clean water, electricity, and sanitation to underprivileged communities.
- Creates employment opportunities in construction and related sectors.
- Strengthens socio-economic conditions by offering long-term housing stability.
ACAG 2025 Overview
| Category | Details |
|---|---|
| Scheme Name | Apni Chhat Apna Ghar Scheme 2025 |
| Launched By | CM Punjab Maryam Nawaz |
| Objective | Provide easy home loans for middle-class families |
| Target | 100,000 houses |
| Monthly Installment | Rs. 26,000 (approx.) |
| Government Subsidy | 60% covered by Government |
| Down Payment | 40% by Beneficiary |
| Tenure | 5 years |
District-Wise Loan Quota (Highlights)
The Punjab Housing and Town Planning Agency (PHATA) has divided Punjab into regions, allocating a specific number of housing loans per district to ensure fair access.
Some of the key allocations include:
- Faisalabad Region: 2,511 units
- Lahore Region: 5,804 units
- Rawalpindi Region: 2,198 units
- Bahawalpur Region: 1,684 units
- Multan Region: 3,390 units
In total, 17,500 units will be distributed across Punjab under the current phase.
Three Execution Models Explained
The government has introduced three implementation models under PHATA to reach its 100,000-home goal efficiently.
Model 1 – Public-Private Partnership (10,000 Units)
- PHATA will provide land and infrastructure support.
- Developers will build homes following PHATA-approved blueprints.
- No design modifications allowed without official approval.
- Installment amounts will vary depending on home size and design.
- All infrastructure work will be government-supervised to maintain quality.
Model 2 – Affordable Private Housing Scheme (20,000 Units)
- Developers must register under APHS Rules 2020 for project approval.
- The scheme will use a one-window system for faster documentation and clearance.
- Construction and payment will be managed via Escrow accounts.
- Once the 5-year loan period is completed, property ownership will be transferred to the beneficiary.
Model 3 – Direct Loan Distribution (70,000 Units)
- Eligible applicants will receive interest-free loans subsidized by the Punjab Government.
- Citizens owning 1–5 marla (urban) or 1–10 marla (rural) plots can apply through the official website: acag.punjab.gov.pk
- Loan tenure ranges from 5 to 7 years with government-covered operational costs and taxes.
Verification Process
After registration, PHATA will conduct a transparent verification process that includes:
- Family status verification via NADRA data.
- PMT score check (must be below 60).
- Land ownership confirmation through PLRA, Cooperatives Department, and Development Authorities.
Cities Eligible Under the Apni Chat Apna Ghar Scheme
Residents from the following cities can apply:
Lahore, Multan, Faisalabad, Rawalpindi, Sialkot, Sargodha, Bahawalpur, Attock, Gujranwala, Gujrat, DG Khan, Jhang, Kasur, Sheikhupura, Vehari, Rahim Yar Khan, Mandi Bahauddin, Khanewal, Muzaffargarh, Layyah, Lodhran, Pakpattan, Hafizabad, Bhakkar, and more.
Eligibility Requirements for ACAG
To qualify for this government housing loan, applicants must:
- Be the head of the family as per NADRA records.
- Hold Punjab domicile and permanent residency.
- Own a 1–5 marla (urban) or 1–10 marla (rural) plot.
- Have a clean criminal record and no loan default history.
- Be registered under NSER with a PMT score below 60.
Required Documents
Prepare the following before applying:
- CNIC (applicant and family head)
- Proof of land ownership or property record
- Domicile certificate
- Passport-size photo
- NSER registration or socioeconomic record
- Income statement (if applicable)
- Undertaking or declaration of authenticity
All documents should be clear, scanned copies (PDF/JPG) as required.
Step-by-Step: How to Apply Online for ACAG 2025
- Visit the official portal: https://acag.punjab.gov.pk/
- Click on “Register Now” at the top-right corner.
- Fill in your personal and property details accurately.
- Upload the required documents.
- Submit your form and note your tracking number for updates.
💡 Alternate Options:
If you’re unable to apply online, you can call the toll-free helpline (0800-09100) or visit your nearest registration center for in-person assistance.
Key 2025 Updates
- Target of 100,000 housing units under mixed financing models.
- Sister project “Apni Zameen Apna Ghar” provides free 3 marla plots.
- Maximum interest-free loan: Rs. 1.5 million (repayable in up to 7 years).
- Balloting system ensures fair and transparent allotment.
- No application fees in most regions.
ACAG District-Wise Ballot Results
Click on the District name to know about Apni Chhat Apna Ghar Successful Candidate List 2025
Major Benefits of the Scheme
1. Interest-Free Financing
The scheme offers zero markup loans, removing the biggest financial barrier for home construction. The government bears 60% of the total cost, while the applicant contributes the remaining 40% through flexible installments.
2. Budget-Friendly Payments
Beneficiaries enjoy a 3-month grace period before installments begin. The Rs. 14,000 monthly payment structure ensures the plan remains as affordable as typical rent payments.
3. Simple Registration Options
Applicants can register online, through the toll-free number, or at physical centers. The process is hassle-free and requires only basic documents.
4. Permanent Housing for Families
Families who already own small plots but lack construction funds can finally turn their land into permanent homes, ending years of uncertainty and renting cycles.
Conclusion
The Apni Chat Apna Ghar Scheme 2025 stands as a landmark welfare initiative by Chief Minister Maryam Nawaz. For countless families across Punjab, it represents not just an opportunity for ownership but a foundation for security, dignity, and prosperity.
If you own a small piece of land and dream of building your home, now is the time to register and turn that dream into reality through this interest-free housing loan program.
FAQs
1. What percentage of the subsidy does the government offer?
The government contributes 60% of the total cost under this scheme, while beneficiaries pay the remaining 40% through monthly installments.
2. How much is the monthly installment?
The installment amount starts from Rs. 14,000 per month, depending on the loan plan and construction model.
3. How many houses will be built initially?
A total of 100,000 housing units are planned across Punjab in phases.
4. Do I need to own land to apply?
Yes. Applicants must own a plot (1–5 marla in urban areas or 1–10 marla in rural areas) to qualify.
