Apni Chhat Apna Ghar
Apni Chhat Apna Ghar For countless families in Punjab, this dream has been financially out of reach for years. However, the Apni Chhat Apna Ghar Scheme, initiated under the leadership of Chief Minister Maryam Nawaz, is changing that reality. After the massive success of the first phase, the government has officially opened Phase 2 registration in August 2025. This phase is designed to give another chance to those who missed the opportunity earlier and to expand the program’s reach to more deserving families across the province.
The scheme is not just a housing project but a social welfare initiative aimed at uplifting low and middle-income families. With easy application methods, no registration fees, and a transparent selection process, it stands as one of Punjab’s most promising steps toward solving the housing crisis.
اپنی چھت اپنا گھر پروگرام کے ذریعے لوگوں کو 15 لاکھ روپے تک کا قرض فراہم کیا جا رہا ہے تاکہ وہ اپنا گھر بنوا سکیں اس پروگرام میں تین مرلہ پانچ مرلہ اور 10 مرلے کے پلاٹ والے لوگوں کو شامل کیا جا رہا ہے اگر اپ بھی اس پروگرام میں شمولیت حاصل کرنا چاہتے ہیں تو سب سے پہلے اپ نے اپنی رجسٹریشن کو یقین بنانا ہے رجسٹریشن کے لیے اہلیت کا معیار رکھا گیا اہلیت کے معیار پر پورا اترنا بھی لازمی ہے
Through the Apni Chhat Apna Ghar program, people are being provided loans of up to Rs 1.5 million so that they can build their own house. People with plots of three marla, five marla and 10 marla are being included in this program. If you also want to join this program, then first of all you have to make sure that you are registered. Eligibility criteria have been set for registration. It is also mandatory to meet the eligibility criteria.
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Phase 1 Recap Of Apni Chhat Apna Ghr
The first phase of the Apni Chhat Apna Ghar program was a groundbreaking achievement in Punjab’s housing history. Thousands of eligible families not only secured plots or houses but also received financial assistance to start or complete construction. Many of these houses are already finished, while others are in the final stages of completion. The process was conducted with strict transparency, and no hidden charges or fees were involved, which built trust among applicants.
اپنا چھٹ اپنا گھر پروگرام کا پہلا مرحلہ پنجاب کی ہاؤسنگ تاریخ میں ایک اہم کامیابی تھی۔ ہزاروں اہل خاندانوں نے نہ صرف پلاٹ یا مکانات حاصل کیے بلکہ تعمیر شروع کرنے یا مکمل کرنے کے لیے مالی امداد بھی حاصل کی۔
This success has motivated the government to proceed with Phase 2 on an even larger scale. Lessons learned from Phase 1 such as improving document verification, speeding up the allocation process, and enhancing communication with applicants are now being applied to make the current phase even smoother and more efficient.
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Phase 2 Registration What’s New?
The second phase comes with several improvements and added facilities to make registration more convenient:
- Dual application system online and offline registration is available for everyone.
- Tehsil-level offices have been established to help applicants who do not have internet access.
- Faster document verification to reduce delays.
- A continued 20% quota for women to support female-headed households.
- Stronger oversight to ensure fair and transparent selection.
These updates mean that even those living in rural or remote areas can easily apply without traveling long distances or depending on third-party agents.
Eligibility Criteria
The scheme has strict eligibility rules to ensure that only those who truly need assistance can benefit:
- Must have a Punjab domicile.
- Must not own any residential house or plot in their name.
- Should fall within the low or middle-income category (income thresholds set by the government).
- Age must be between 21 and 60 years at the time of application.
These conditions are designed to keep the program focused on deserving families rather than allowing it to be taken over by investors or wealthier individuals.
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Step-by-Step Registration Process
Applying for the scheme is simple, and applicants can choose between online and offline methods depending on their preference and convenience.
A. Online Registration
- Visit the official government registration portal for Apni Chhat Apna Ghar.
- Fill out the application form with accurate personal and family details.
- Upload clear scanned copies of CNIC, income certificate, and land documents
- Double-check all the entered information to avoid rejection.
- Submit your form no fee is required for registration.
B. Offline Registration
- Visit the nearest tehsil-level office set up under the scheme.
- Collect the official registration form.
- Fill it out completely and attach photocopies of required documents.
- Submit it at the designated counter where staff will check your details and forward them for verification.
Document Verification Process
Once your application is submitted, it goes through a multi-step verification process:
- CNIC verification to confirm identity.
- Domicile check to ensure Punjab residency.
- Income verification to confirm eligibility under income limits.
- Land records check to ensure no existing property ownership.
Only applications that pass all these stages will be moved to the balloting list.
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Selection and Allotment Process
The government follows a computerized balloting system to maintain fairness in allotment. There is no manual intervention in the selection process. Successful applicants are informed via SMS and email, after which they must complete the necessary formalities such as signing agreements and paying the initial deposit. The final handover process is done only after all documents are completed and verified.
This scheme offers more than just a roof it provides complete housing security:
- Subsidized housing costs to make homeownership affordable.
- Low-interest loans with flexible repayment plans.
- 20% quota for women to empower female-headed households.
- Modern housing colonies with schools, parks, and utilities.
حکومت الاٹمنٹ میں شفافیت برقرار رکھنے کے لیے کمپیوٹرائزڈ بیلٹنگ سسٹم کی پیروی کرتی ہے۔ انتخاب کے عمل میں کوئی دستی مداخلت نہیں ہے۔ کامیاب درخواست دہندگان کو ایس ایم ایس اور ای میل کے ذریعے مطلع کیا جاتا ہے، جس کے بعد انہیں ضروری رسمی کارروائیاں مکمل کرنی ہوں گی جیسے کہ معاہدوں پر دستخط کرنا اور ابتدائی ڈپازٹ کی ادائیگی۔ تمام دستاویزات کی تکمیل اور تصدیق کے بعد ہی حتمی حوالگی کا عمل کیا جاتا ہے۔
Government Support and Helpline
To ensure no applicant is left behind due to lack of guidance, the government has introduced:
- A dedicated 24/7 helpline for queries and complaints.
- Tehsil-level facilitation offices for on-ground support.
- Assistance for filling forms and uploading documents for those who are not tech-savvy.
Final Thoughts
The Apni Chhat Apna Ghar Registration Phase 2 is more than a government housing plan it is a lifeline for thousands of families across Punjab who have struggled for years to own a home. With its transparent selection process, zero registration fee, and simplified application methods, it ensures that deserving families get the opportunity they deserve. If you meet the eligibility requirements, applying now could be your first step towards a secure and dignified future under your own roof.
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