Punjab’s flagship housing programme is putting real money in people’s hands. Under Apni Chhat, Apna Ghar, the Punjab government led by CM Maryam Nawaz Sharif is offering interest-free loans to help ordinary families build or buy their own home — including a widely-cited Rs 15 lac interest-free loan to purchase a plot. Here is how the scheme works, who qualifies, and how it fits with the federal housing programme.
What is Apni Chhat, Apna Ghar?
Apni Chhat, Apna Ghar is a provincial interest-free housing finance scheme for low- and middle-income families in Punjab. The headline benefit is an interest-free loan — reported at around Rs 15 lac (Rs 1.5 million) — aimed at enabling the purchase of a 5 marla plot in urban areas or a 10 marla plot in rural areas, with easy installments. The scheme has now been expanded so that joint families can also access easy-installment loans to add living space to an existing home.
The numbers so far
The programme has scaled quickly. Reported figures include:
| Metric | Figure |
|---|---|
| Target | 160,000 houses by June 2026 |
| Registered users | approx 1.88 million |
| Applications under review | approx 1.06 million |
| Houses completed | approx 67,197 |
| Houses under construction | approx 53,843 |
| Total disbursed | approx Rs 164.66 billion (99% recovery) |
A 99% recovery rate is notable and suggests the interest-free model is working for both borrowers and the government. Figures change over time, so confirm the latest numbers and terms through official Punjab government channels.
Apni Zameen, Apna Ghar for landless families
A companion initiative, Apni Zameen, Apna Ghar, targets families who do not own any land. It provides plots together with interest-free loans to build on them. The first phase reportedly allocates 1,534 plots across Jhelum, Kasur, Faisalabad and Lodhran.
Punjab scheme vs the federal PM Apna Ghar programme
It is easy to confuse the two. The Punjab Apni Chhat, Apna Ghar is a provincial, largely interest-free scheme, while the federal PM (Wazir-e-Azam) Apna Ghar programme offers subsidised bank/NBFC financing of up to Rs 10 million at a 5% markup. Depending on your income, location and needs, one may suit you better than the other — and both point to a broader real-estate recovery in 2026.
How to apply (in principle)
- Check eligibility (income, residency in Punjab, first-home status) on the official portal.
- Register and submit your application online through the Punjab housing programme.
- Keep your CNIC, income proof and any plot documents ready.
- Follow up through the designated bank (e.g. Bank of Punjab) once shortlisted.
Government schemes lower the entry barrier, but choosing the right location still matters most for long-term value. For a secure, planned community, many buyers look to the best housing society in Rawalpindi.
Frequently asked questions
How much is the Apni Chhat, Apna Ghar interest-free loan?
Reports cite an interest-free loan of around Rs 15 lac to help buy a 5 marla urban or 10 marla rural plot. Confirm the current amount and terms through official Punjab government sources.
Who launched the scheme?
It is a Punjab government scheme expanded under CM Maryam Nawaz Sharif, described as an interest-free housing initiative for the people of Punjab.
Are joint families eligible?
Yes. The scheme was expanded to allow joint families to obtain easy-installment loans to add living space to their existing homes.
How is it different from the PM Apna Ghar programme?
Apni Chhat, Apna Ghar is a provincial, interest-free scheme; the federal PM Apna Ghar programme offers subsidised financing up to Rs 10 million at a 5% markup through banks and NBFCs.
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