 |
| How to apply online for Apni Chhat Apna Ghar housing scheme |
The Government of Punjab has launched the “Apni Chhat Apna Ghar” Program, a major step to solve the housing problem for low-income families. This initiative, announced by the Chief Minister Punjab, aims to build 100,000 affordable houses and apartments across the province.
The program mainly targets people living in rented homes or informal settlements, giving them the chance to finally own a house. With three different execution models, the scheme is designed to ensure affordable housing, job creation, and community development. Over the next four and a half years, this housing drive will not only improve living standards but also boost the economy by generating nearly 500,000 jobs.
Highlights of the Apni Chhat Apna Ghar Program
- 100,000 affordable houses/apartments planned across Punjab.
- Target group: low-income families living in rented or informal housing.
- 3 execution models designed to meet different housing needs.
- Improved access to electricity, clean water, and sanitation.
- Job creation: half a million jobs expected during construction.
- Managed by Punjab Housing & Town Planning Agency (PHATA).
Expected Outcomes
The program is not just about building houses. It’s about building communities. Here’s what it promises:
- Better living conditions for low-income families.
- Reduced slums and overcrowded housing.
- Access to basic amenities like clean water, electricity, and sanitation.
- Safer and more secure communities.
- Stronger social ties and community development.
- Direct and indirect contribution to Punjab’s economy.
Execution Models of Apni Chhat Apna Ghar
The program will be carried out through three execution models. Here’s a breakdown:
| Execution Model | Units Planned | Key Features |
|---|---|---|
| Model 1 | 10,000 units | Construction of houses/apartments on state land through equity-based land sharing with developers. Developers handle full infrastructure costs in exchange for land. |
| Model 2 | 20,000 units | Private housing developers must allocate 20% (or more) of residential space for affordable housing. Beneficiaries pay installments, with government subsidy of Rs. 1 million. |
| Model 3 | 70,000 loans | Interest-free loans (up to Rs. 1.5 million) for residents with their own plots. Loan tenure: 7 years with easy monthly installments. Disbursement in tranches. |
Execution Model 1: State Land Development
In this model, 10,000 housing units will be built on government-owned land. Developers will construct the houses and full infrastructure, while PHATA will provide land use plans and monitor construction standards. The government won’t provide any direct subsidy but will set the house prices and installment plans for buyers.
Execution Model 2: Private Housing Schemes
This model will deliver 20,000 affordable units. Developers of private housing schemes must dedicate at least 20% of their land to affordable housing under the Affordable Private Housing Scheme (APHS) Rules 2020.
Here’s how it works:
- Buyers make a down payment fixed by PHATA.
- The government provides a Rs. 1 million subsidy.
- Remaining payments are made in monthly installments over five years.
- PHATA monitors construction quality and payments through an escrow account.
Execution Model 3: Interest-Free Loans
The largest portion of the program, 70,000 houses, will be supported through interest-free loans. A revolving fund will ensure continuous support.
Conditions:
- Applicants must be residents of Punjab.
- Plot size: up to 5 marlas in urban areas, 10 marlas in rural areas.
- Loan amount: up to Rs. 1.5 million.
- Repayment: over 7 years in easy monthly installments.
- Apply via the official portal: www.acag.punjab.gov.pk
Program Steering Committee
The program will be supervised by a Steering Committee headed by the Senior Minister Punjab, with members from housing, finance, planning, and revenue departments. Their role is to:
- Provide policy guidelines.
- Monitor progress.
- Resolve bottlenecks.
- Ensure smooth implementation.
Latest Update (October 2025)
The Punjab government has finalized the framework for all three execution models. Developers are being invited for competitive bidding under Model 1, while PHATA is streamlining approvals for Model 2 projects. For Model 3, the interest-free loan portal is expected to open soon, with the first batch of beneficiaries applying online this year.
FAQs
1. Who can apply for the Apni Chhat Apna Ghar Program?
Low-income families in Punjab, especially those living in rented houses or informal settlements.
2. How many houses will be built under this scheme?
A total of 100,000 houses and apartments are planned in different phases.
3. What is the maximum loan amount available?
Applicants can get up to Rs. 1.5 million interest-free loan for house construction.
4. How long is the repayment period?
The loan repayment period is 7 years, with monthly installments.
5. Where can I apply?
To apply, simply go to the official program website: www.acag.punjab.gov.pk.
Conclusion
The Apni Chhat Apna Ghar Program is more than a housing scheme. It’s a chance for thousands of families in Punjab to own a safe and affordable home. With three execution models, interest-free loans, and government monitoring, the program is designed to be transparent and accessible.
The bottom line is: if you’re a resident of Punjab struggling with rent or dreaming of owning a home, this program could be your opportunity. Stay updated and apply through the official portal once registrations open.