In a time when economic challenges are making it nearly impossible for middle-class families to build a home, the Government of Punjab has taken a bold and much-needed step. Under the leadership of Chief Minister Maryam Nawaz, the Apni Chhat Apna Ghar Scheme 2025 has been launched to provide interest-free housing loans in Punjab, helping thousands of low and middle-income families turn their dream of homeownership into reality.
This government-backed housing scheme targets 100,000 deserving families across major cities and towns in Punjab, aiming to make homeownership affordable, accessible, and practical.
What is Apni Chhat Apna Ghar Scheme?
The Apni Chhat Apna Ghar Scheme is a zero-interest home loan program initiated by Chief Minister Maryam Nawaz in 2025. It provides financial assistance to those who already own a plot of land but lack the resources to construct a house. Through this initiative, eligible citizens can access easy home loans in Punjab, repayable in affordable monthly installments that are almost equal to the rent of a small home.
This scheme is part of a broader vision to improve living conditions, reduce slums, and provide families with permanent, safe, and sustainable housing.
Key Features of the Scheme
- Project Name: Apni Chhat Apna Ghar Scheme 2025
- Launched By: Chief Minister Punjab, Maryam Nawaz
- Target Beneficiaries: Low and middle-income families across Punjab
- Loan Type: Interest-free housing loan in Punjab
- Monthly Installment: Starting from PKR 14,000 up to PKR 26,000
- Down Payment: 40% to be contributed by the applicant
- Government Subsidy: 60% of the total housing cost covered by the Punjab Government
- Repayment Period: 5 years
- Eligibility:
- Rural residents owning 1 to 5 marla plots
- Urban residents owning 1 to 10 marla plots
- Proof of land ownership and possession required
Execution Models
The scheme follows three main models to ensure successful implementation:
- Construction of low-cost housing units on government-owned land in major cities.
- Subsidized housing for residents in approved private housing schemes.
- Interest-free loans for individuals who already own land, provided the plot has legal possession.
These models are designed to cover a wide range of citizens and provide them with suitable options based on their location and land ownership status.
Project Vision
Chief Minister Maryam Nawaz has emphasized that every citizen deserves the right to own a safe and beautiful home. The scheme is designed to minimize the financial stress of building a house while maintaining quality and durability in construction. As part of this vision, model homes are being developed and showcased within just six weeks to help applicants visualize what they can expect.
Maryam Nawaz has further assured that this initiative is not just about constructing houses—it’s about creating a just, secure, and empowered society where every family has the opportunity to live with dignity.
District-Wise Loan Distribution Snapshot
A comprehensive regional loan quota system has been developed to ensure fair distribution. Here is a glimpse of sample data from the loan allocation:
| District | Loan Distribution |
|---|---|
| Bhakkar | 283 |
| Khushab | 243 |
| Layyah | 366 |
| Mianwali | 307 |
| Muzaffargarh | 714 |
| Chiniot | 313 |
| Faisalabad | 851 |
| Jhang | 431 |
| Jarranwala | 520 |
| Toba Tek Singh | 376 |
This data reflects the government’s commitment to regional inclusion across Punjab.
Long-Term Impact and Benefits
The Apni Chhat Apna Ghar Scheme 2025 is expected to revolutionize the housing landscape of Punjab in several key ways:
- Better living conditions for middle and lower-income families
- Reduction in overcrowded housing and katchi abadis (slums)
- Access to essential amenities such as clean water, electricity, and sanitation
- Employment generation in the construction and allied sectors
- Social uplift and economic development through widespread homeownership
By focusing on both rural and urban areas, the scheme ensures equitable development and aims to enhance the quality of life for all residents.
Message from Chief Minister Maryam Nawaz
“It gives me immense satisfaction to welcome you to the Apni Chhat Apna Ghar program. This project is close to my heart. Providing affordable housing to low-income families across Punjab is not just a policy—it is a mission. A house is more than four walls and a roof; it is a symbol of security, dignity, and dreams fulfilled.
Whether you’re a laborer, a school teacher, or a small business owner, this scheme is designed for you. Together with our partners—developers, financial institutions, and my dedicated team—we are determined to make homeownership accessible to all.”
Digital Empowerment and Additional Support
Alongside the housing program, the Punjab Government is encouraging families to explore online income opportunities through platforms like 92 Pak, promoting digital empowerment and economic resilience.
Final Thoughts
The Apni Chhat Apna Ghar Scheme 2025 is more than a housing loan program; it is a roadmap for social and economic upliftment. By enabling families to move from renters to homeowners, the scheme brings long-term stability and security to Punjab’s citizens.
Through effective planning, fair execution, and the leadership of Maryam Nawaz, this housing scheme is set to reshape the future of affordable housing in Punjab and serve as a model for the rest of Pakistan.