Apni Chhat Apna Ghar Scheme 2025 – Interest-Free Home Loans in Punjab
Apni Chhat Apna Ghar Scheme 2025 | Interest-Free Loans to Build Your Dream Home
In a major step towards housing welfare, Chief Minister Punjab Maryam Nawaz has launched the Apni Chhat Apna Ghar Scheme 2025 — an initiative to help low-income individuals build homes on their own land through interest-free loans.
🏠 What Is the Scheme About?
The scheme is targeted at those who own a plot but lack the funds to build a home. Eligible families can now apply for loans up to Rs. 1.5 million (15 lakh) repayable over 7 years in easy monthly installments of around Rs. 14,000 — completely interest-free.
✅ Eligibility Criteria:
To apply, the applicant must:
- Own 5 Marla land in urban areas or 10 Marla in rural areas
- Have a PMT score of 60 or less in the NSER database
- Not be involved in property fraud or loan default cases
- Be the head of household with a valid CNIC
- Have a monthly family income below Rs. 50,000
📝 How to Apply:
Applying is simple and free of cost:
- Visit the official portal: https://acag.punjab.gov.pk
- Fill out the online form
- Attach:
- CNIC copy
- Proof of income
- Land ownership documents
- Await verification and approval
- Selected applicants will be contacted for loan agreement
⚠️ Note: No processing or registration fee will be charged.
🌟 Benefits of the Scheme:
- 🏠 Enables home construction for the underprivileged
- 💸 Provides relief through interest-free financing
- 👷♂️ Boosts local construction sector
- 💼 Creates thousands of new job opportunities
- 🔒 Fully digital and transparent process
🧱 Government’s Vision
The Punjab government aims to provide shelter with dignity, not only to ease financial burdens but also to stimulate economic growth through housing and construction.
“Zameen Hai Toh Ghar Bhi Hoga” – A promise turned reality.
📢 Conclusion
The Apni Chhat Apna Ghar Scheme 2025 is a historic opportunity for land-owning but financially challenged families to finally build their dream homes — with zero markup loans and full government support.
💬 Empowering families. Building futures. One roof at a time.
