Apni Chhat Apna Ghar Scheme – An Easy Path to Home Ownership
Having a home is a basic human need, but in Pakistan, thousands of people struggle to afford their own house due to limited income and rising property prices. To solve this problem, the government has launched the “Apni Chhat Apna Ghar” scheme—an affordable housing project aimed at helping low-income families become homeowners.
This initiative is part of a larger vision to promote public welfare and economic stability by making housing more accessible. In this blog, we’ll explore the scheme’s purpose, eligibility criteria, required documents, application process, and available financial support.
Purpose of the Scheme
The main goal of the “Apni Chhat Apna Ghar” scheme is to provide affordable residential units to individuals and families who cannot afford to buy or build their own homes. This scheme is designed to:
- Provide houses on easy monthly installments
- Offer subsidized home loans through partner banks
- Support urban development and reduce homelessness
- Uplift the living standard of lower-income citizens
Who Can Apply? – Eligibility Criteria
To apply for the scheme, the applicant must meet the following basic requirements:
- Age Limit: Applicant must be between 20 to 60 years old
- Nationality: Must be a Pakistani citizen with a valid CNIC
- First-Time Buyer: Applicant or their immediate family must not own any house previously
- Income Bracket: Monthly income should fall under low or lower-middle income group (approx. Rs. 25,000 – Rs. 60,000)
- Employment Status: Applicant must have a job, small business, or source of income
Required Documents
When applying, the following documents are usually needed:
- Copy of CNIC (National ID card)
- Passport-size photographs
- Salary slip or income certificate (for self-employed)
- Latest utility bill for address verification
- Bank statement (if applying for loan support)
- Affidavit stating no house is owned by the applicant or family
How to Apply – Step-by-Step Process
There are two main ways to apply:
Website : https://acag.punjab.gov.pk/index.aspx
- Online Application:
- Visit the official scheme portal
- Fill in the online application form with personal and income details
- Upload the required documents in scanned format
- Submit the form and note down your reference number
- Manual Application:
- Visit the nearest designated center or NADRA office
- Get the application form and fill it out
- Attach all necessary documents
- Submit the form and collect the submission receipt
Loan Facility & Monthly Installments
The scheme also offers low-interest housing loans through partner banks. These loans are designed with:
- Markup rate as low as 5% to 7%
- Flexible repayment plans (10 to 20 years)
- Monthly installments based on the size of the unit:
- 1-room unit: Around Rs. 10,000/month
- 2 or 3-room unit: Rs. 15,000–20,000/month
This makes owning a home easier than paying rent in most urban areas.
Why This Scheme Matters – Empowering the People of Pakistan
In a country where millions dream of having a roof over their heads, the Apni Chhat Apna Ghar scheme is more than just a policy—it’s a ray of hope. It allows deserving individuals and families to break free from the cycle of renting and finally invest in long-term stability. By offering flexible loan terms, low markup rates, and transparent procedures, the government is making home ownership more realistic and inclusive than ever before.
This initiative also has a broader impact. It boosts the construction sector, generates employment opportunities, and strengthens the economy. Moreover, it fosters a sense of dignity and security among citizens who’ve spent their lives living in temporary or shared accommodations.
From small urban apartments to modest family homes, the scheme offers practical options that match the needs of different income groups. It reflects the government’s commitment to inclusive growth and social equality.
If you’re eligible, now is the time to act. Apply today and make your dream of owning a home a reality.
