Punjab Apni Chhat Apna Ghar Project
Punjab government releases Rs 42 billion grant for Apni Chhat Apna Ghar Project. The Punjab government has approved and released a total grant of Rs 42.013 billion for its housing scheme “Apni Chhat Apna Ghar” under the Annual Development Program 2025–26.
This amount has been transferred to the Lake Development Agency (PHATA) to continue the construction work in the scheme at a fast pace
Project Objectives
The scheme was launched in August 2024 to provide interest-free loans to landowners who want to build houses:
- For 1–5 marla land in urban areas,
- For 1–10 marla plots in rural areas
Each family is provided with an interest-free loan of up to a maximum of Rs 1.5 million, which is to be repaid in easy installments over seven years; a grace period of three months is included in the beginning
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Progress so far
As per the first half-year figures:
- Total loan disbursed: Around Rs 60.5 billion
- Number of Liens: Loans provided to 51,911 families
- Completed houses: 6,160 houses have been completed
- Number of houses under construction: 45,163 houses are under construction
Special instructions of the Chief Minister
Chief Minister Maryam Nawaz Sharif emphasized in a high-level meeting that:
- More transparency, speed, and ease should be brought to the process of loan approval and distribution
- There should be no compromise on the eligibility criteria, and every deserving person should be assured of housing facilities.
- The program should be geared towards economic development, job creation, and dignity and stability.
In his words: “The day a poor person gets a roof over their head, the state is successful.”
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Financial aspects
- The ongoing funds are controlled by PHATA, which is the technical and administrative body responsible for the entire project
- The application process has been simplified online and digitally, and a helpline 0800‑09100 is active for assistance
Summary of key figures
- Loan disbursed Rs. 60.5 billion
- Beneficiary families: approximately 52,000
- Completed houses: 6,160
- Under-construction houses: 45,163
- New amount released (2025–26) Rs. 42 billion
Benefits
The grant has been fully released, and it is expected that in the next few months:
- The pace of construction will increase significantly,
- New applicants will also benefit from the facility,
- The parameters of social justice and urban development will be strengthened
- The project will be expanded in the future to provide more targets, such as 100,000 houses.
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Conclusion
- This campaign by the Punjab government presents a golden opportunity to fulfill the basic need of the common man, i.e., the dream of owning a house. Under its auspices:
- Loans are being provided interest-free and in easy installments,
- Deserving beneficiaries who want to build a house are getting respect and stability,
- Construction activities are accelerating in cities and villages.
- The grant of Rs. 42 billion is a testament to the new spirit and determination that the “Apni Chhat Apna Ghar” scheme is not just a solid housing project, but a movement for social revolution and economic stability.