CM Punjab launched the Apna Ghar Apni Chat Program to solve this issue. It targets low-income groups and aims to reduce poverty by offering affordable housing. This program provides plots, loans, and support for building two-room houses. The Punjab Housing & Town Planning Agency and the Urban Development & Public Health Engineering Department (HUD&PHED) manage the execution. The government has approved 3 billion rupees in funds for this purpose.
Apni Chhat Apna Ghar Program
- They entered a draw for a 3-marla plot in areas like Jhelum, Lodhran, and Renala Khurd.
- Maryam Nawaz Sharif, the Chief Minister, officially inaugurated the program, following the vision of Quaid Muhammad Nawaz Sharif.
- People can now get interest-free loans ranging from Rs 1 lakh to 15 lakh, with a 3-month grace period and installment-based repayment.
- So far, 300 houses are built every day.
- 2000 plots have been allocated in 23 schemes across 19 districts.
- In just 6 months, about 34,000 homes have been completed.
- The program has approved Rs 36 billion in loans for 33,500 people, helping them gain security through home ownership.
Key Features Of Ehsas Apna Ghar Apni Chat Program
The Ehsaas Apna Ghar Apni Chat Program gives low-income families in Pakistan the chance to own homes. It offers affordable housing by providing subsidized units and interest-free loans. The goal is clear: help families move from unstable housing to permanent, decent homes. These homes are part of a planned system designed to improve living standards. By securing stable housing, families gain safety and a better quality of life.
This Ehsaas program also supports the local economy. It funds construction projects, creating jobs and driving activity in related sectors. These efforts boost the economy in surrounding regions. Pakistan faces a housing shortfall of over 10 million units. This program aims to reduce that deficit by building more homes and helping to bridge the gap. It works step by step, providing real, measurable progress.
- Affordable housing opportunity for low-income families
- Access to subsidized units and interest-free loans
- Focus on improving living standards through decent housing
- Structured support within an organized system
- Promoting economic growth and creating jobs
- Increased construction activity and support for related sectors
- Strengthening the local economy
- Aiming to reduce the housing deficit of over 10 million units
- Helping to bridge the housing gap in Pakistan
- Positive impact on the region as a whole
Eligibility Criteria For Punjab Ehsas “Apni Chhat and Apna Ghar Program”
To qualify for the Ehsaas Apna Ghar program, applicants must meet the following criteria:
- Permanent resident of Punjab.
- Hold a Pakistani identity card.
- Only the head of the household, as per NADRA record, is eligible to apply.
- No criminal record, particularly related to anti-state or heinous crimes.
- Must not owe money to banks or other financial institutions.
- Should not have been convicted of any illegal activity.
- NSER poverty score must be below 60.
- Must not have taken a loan for building a house before.
Additional criteria:
- Must be the sole owner of a parcel of land measuring:
- 3 Marla or less in urban areas.
- Up to 10 Marla in rural areas.
- The application must be submitted online.
- Applicant must intend to build a house on the land.
- Must be registered with the National Socio-Economic Registry (NSER).
- PMT score must be 60 or less.
Districts Included For Ehsas Apna Ghar Apni Chhat Program
- For the Ehsas Apna Ghar Apni Chat Program, applicants must meet certain requirements to be eligible.
- The applicant must hold permanent residence status in Punjab as per their CNIC.
- Applications can only be made within the applicant’s native district.
- Eligible districts include Attock, Bahawalnagar, Bahawalpur, Bhakkar, Chiniot, Faisalabad, Gujrat, Jhang, Jhelum, Kasur, Khushab, Layyah, Lodhran, Mandi Bahauddin, Okara, Rajanpur, Sahiwal, Sargodha, and Vehari.
- The applicant, their spouse, and dependent children should not own any property in Pakistan.
- A clean criminal record is mandatory for eligibility.
- The applicant must not be a bank defaulter or financial institution defaulter.
- If the applicant submits false or misleading information, they will be disqualified.
How to Apply
Apply online via the official Website portal
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