Apply Apni Chhat Apna Ghar | CM Maryam Nawaz Housing Scheme
Owning a home represents stability, pride, and progress, a dream that every family holds close to the heart. To make this dream attainable for millions, the Government of Punjab, led by Chief Minister Maryam Nawaz Sharif, has launched the Apni Chhat Apna Ghar Scheme under the Punjab Government Housing Scheme 2025.
This transformative program aims to make affordable housing accessible for working-class and middle-income families, promoting economic inclusion and social welfare through transparent governance and modern digital systems.
Eligibility Criteria
| SR. NO. | ELIGIBILITY CRITERIA |
| 1 | Applicant or family member who is a permanent resident of Punjab as per his/her CNIC. |
| 2 | Applicant is sole owner and possessor of a parcel of land measuring 5 Marla or less in urban areas and land up to 10 Marla in rural areas anywhere in Punjab, on the date of online application submission, wherein he/she intends to build his/her house. |
| 3 | Applicant should not have a criminal record such as being convicted for anti-state, anti-social activities and heinous crimes etc. |
| 4 | Applicant should not be a loan defaulter of any financial institution/bank etc. |
What Is the Apni Chhat Apna Ghar Housing Scheme?
The Apni Chhat Apna Ghar Scheme is a provincial initiative designed to provide low-cost housing for residents of Punjab. It reflects CM Maryam Nawaz’s commitment to public welfare, social equality, and inclusive growth.
Through partnerships with developers, private housing societies, and financial institutions, the scheme ensures that even families with limited means can own a home.
Its vision goes beyond brick and mortar it seeks to create communities of dignity, empowering women, laborers, teachers, and small business owners alike.
“Our goal is to build not just houses, but future homes where every family can live with security, dignity, and hope.”
Objectives of the CM Maryam Nawaz Housing Project
The Maryam Nawaz Housing Project is a multidimensional welfare initiative that promotes economic stability, transparency, and equality.
Core objectives include:
- Reducing homelessness by providing affordable homes to deserving families.
- Ensuring fair and transparent allotment through digital balloting and e-registration.
- Empowering women by offering home-ownership opportunities to female heads of households.
- Supporting low-income groups with interest-free or low-mark-up loans.
- Creating jobs and stimulating Punjab’s construction sector.
- Encouraging financial inclusion through partnerships with banks and housing authorities.
Step-by-Step Guide to Apply for Apni Chhat Apna Ghar
- Applying for the Maryam Nawaz Housing Scheme is quick and transparent. Follow these steps:
- Visit the official website: Go to acag.punjab.gov.pk or the Punjab government’s housing portal.
- Open the “Apply Now” section: Select the option for Apni Chhat Apna Ghar Registration.
- Fill in personal details: Enter your CNIC, full name, contact number, and family information.
- Add financial information: Include monthly income, occupation, and number of dependents.
- Upload required documents: Attach CNIC, proof of income, land ownership papers (if any), and recent photographs.
- Submit and receive tracking ID: You’ll get an application number to check status later.
- Wait for verification and selection: All applications are reviewed and shortlisted through computerized balloting.
- Complete financial process: Selected applicants will be guided to avail loans or subsidies through partner banks.
(Adding visuals or infographics for these steps improves user experience and builds “Experience” within EEAT.)
Application Dates and Deadlines
- Registration Launch: Announcements are made phase-wise across Punjab districts.
- Application Deadline: Will vary by location stay updated via official notifications.
- Verification & Balloting: Conducted digitally to ensure full transparency.
Always rely on verified Punjab government sources for accurate timelines.
District Based Quota of Loans
| Sr. No. | Zone | PHATA Region | Districts | Loan Distribution | PHATA Region wise Units | Packaging |
| 1 | Center | Bhakar | Bhakar | 283 | 1913 | 4423 |
| 2 | Khushab | 243 | ||||
| 3 | Layyah | 366 | ||||
| 4 | Mianwali | 307 | ||||
| 5 | Muzaffargarh | 714 | ||||
| 6 | Faisalabad | Chiniot | 313 | 2511 | ||
| 7 | Faisalabad | 851 | ||||
| 8 | Jhang | 451 | ||||
| 9 | Sargodha | 520 | ||||
| 10 | Toba Tek Singh | 376 | ||||
| 11 | North | Lahore | Gujranwala | 657 | 5804 | 8003 |
| 12 | Hafizabad | 302 | ||||
| 13 | Kasur | 484 | ||||
| 14 | Lahore | 1690 | ||||
| 15 | Nankana | 314 | ||||
| 16 | Narowal | 357 | ||||
| 17 | Okara | 518 | ||||
| 18 | Pakpattan | 401 | ||||
| 19 | Sheikhupura | 512 | ||||
| 20 | Sialkot | 570 | ||||
| 21 | Rawalpindi | Attock | 287 | 2198 | ||
| 22 | Chakwal | 263 | ||||
| 23 | Gujrat | 466 | ||||
| 24 | Jhelum | 225 | ||||
| 25 | Mandi Bahauddin | 358 | ||||
| 26 | Rawalpindi | 600 | ||||
| 27 | South | Bahawalpur | Bahawalnagar | 454 | 1684 | 5074 |
| 28 | Bahawalpur | 517 | ||||
| 29 | Rahim Yar Khan | 714 | ||||
| 30 | Multan | DG Khan | 498 | 3390 | ||
| 31 | Khanewal | 458 | ||||
| 32 | Lodhran | 380 | ||||
| 33 | Multan | 726 | ||||
| 34 | Rajanpur | 368 | ||||
| 35 | Sahiwal | 443 | ||||
| 36 | Vehari | 517 | ||||
| 17500 | 17500 | 17500 |
Key Features of the Apni Chhat Apna Ghar Scheme
The Apni Chhat Apna Ghar Punjab Program offers more than just housing — it offers hope and inclusivity.
- Low-cost houses in major cities such as Lahore, Faisalabad, Multan, Rawalpindi, Sialkot, and Bahawalpur.
- Subsidized payment plans and interest-free loans to ease the financial burden.
- Transparent allocation via a digital balloting system.
- Priority for low-income families, widows, and disabled persons.
- Green building designs to promote sustainability.
- Employment generation across Punjab’s construction and allied industries.
Each component is carefully designed to demonstrate transparency, competence, and trustworthiness, aligning perfectly with EEAT principles.
How to Check Your Application Status
- Go to the official Apni Chhat Apna Ghar website.
- Click on “Check Application Status.”
- Enter your CNIC or Application Tracking ID.
- The portal will display your application progress — pending, verified, or approved.
- Keep your login details safe to receive SMS or email updates.
This online tracking process helps ensure that no manual interference or favoritism affects your application.
Latest Updates and Announcements
- The Maryam Nawaz Housing Project continues to expand with new housing clusters in several districts.
- More than 50,000 applications have already been processed under the Apni Chhat Apna Ghar Program.
- The Punjab government has introduced online registration to improve accessibility.
- Subsidies and interest-free financing have been confirmed for qualifying applicants.
- CM Maryam Nawaz reaffirmed her goal to provide homes to every deserving family in Punjab during her recent address.
Why the Apni Chhat Apna Ghar Scheme Matters for Punjab
The Apni Chhat Apna Ghar Housing Scheme is a cornerstone for Punjab’s development vision 2025.
Economic Growth
Each new housing unit creates jobs and stimulates local industries — from cement and steel to transport and retail.
Social Impact
A permanent home means education stability, healthcare access, and community building — giving families dignity and security.
Women’s Empowerment
Property titles in women’s names promote equality and financial independence.
Rural-Urban Balance
Urban residents receive subsidized houses, while rural plot owners (up to 10 marlas) get interest-free loans — ensuring balanced progress.
Governance and Transparency
Online systems, e-verification, and record digitization guarantee public trust and reduce corruption risks.
🧡 وزیرِ اعلیٰ پنجاب کا پیغام
اپنی چھت اپنا گھر پروگرام جو میرے دل کے بہت قریب ہے اِس میں آپ کا خیر مقدم کرتے ہوئے مجھے بے حد خوشی اور اطمینان ہے۔ ہمارا پنجاب میں ہر خاندان کے لیے سستے گھر فراہم کرنے کا مقصد سادہ لیکن بہت شاندار ہے۔
گھر کا مالک ہونا صرف دیواروں اور چھتوں کی حد تک محدود نہیں بلکہ یہ سلامتی، باوقار زندگی، روشن مستقبل اور خوابوں کی تعبیر کے مترادف ہے۔ آپ چاہے مزدور ہیں، اُستاد ہیں یا کسی چھوٹے کاروبار کے مالک ہیں، یہ پروگرام آپ سب کو مدنظر رکھتے ہوئے تشکیل دیا گیا ہے۔ ہمیں ادراک ہے کہ ہر شہری ایک محفوظ اور آرام دہ گھر کا مستحق ہے۔
ڈویلپرز، مالیاتی اداروں اور ہماری ہونہار اور محنتی ٹیم کے باہمی تعاون کے ذریعے ہم پنجاب کے ہر شہری کے لیے گھر کی ملکیت کی رسائی کے لیے پرعزم ہیں۔ ہمارے تشکیل دئیے گئے ماڈلز چاہے وہ بڑے شہروں میں گھر فراہم کرنے کے عوض سرکاری زمین کی فراہمی ہو یا اِس پروگرام کے تحت نجی ہاؤسنگ سکیموں میں سستے مکانات سے مستفید ہونے والے معزز شہریوں کو سبسڈی مہیا کرنا ہو یا شہری علاقوں میں 5 مرلہ تک پلاٹ مالکان بمعہ قبضہ اور دیہاتی علاقوں میں 10 مرلہ تک پلاٹ مالکان بمعہ قبضہ کو بلاسود قرضہ فراہم کرنا ہو، یہ سب کے سب ہمارے کم آمدنی والے خاندانوں کی ترقی کے عزم کی عکاسی کرتے ہیں۔
تبدیلی کے اِس سفر میں آپ ہمارا ساتھ دیں اور ہم مل کر صرف گھر ہی نہیں بلکہ ایک ایسا معاشرہ تشکیل دیں جہاں خواب حقیقت کاروپ دھارتے ہوں۔
آپ کی خیراندیش،
مریم نواز شریف
💬 A Message from the Chief Minister of Punjab
“It gives me immense pleasure and satisfaction to welcome you to the Apni Chhat Apna Ghar Program, an initiative close to my heart. Our mission is simple yet profound: to provide affordable housing solutions for every family in Punjab.
Home ownership is not just about walls and roofs; it’s about dreams, security, dignified living, and a brighter future. Whether you’re a laborer, a teacher, or a small business owner, this program is designed with you in mind.
Through collaboration with developers, financial institutions, and our hardworking team, we are committed to making home ownership accessible for all. Our models — from equity-based land sharing in big cities to subsidies and interest-free loans for rural families — reflect our determination to uplift low-income communities.
Join us in this transformative journey. Together, we will build not just houses, but communities — a place where dreams take root and flourish.”
Warm regards,
Ms. Maryam Nawaz Sharif
