Apni Chhat Apna Ghar Program – Punjab 2025 Overview
Objective:
Provide 100,000 affordable housing units to low-income families across Punjab within 4.5 years.
Who Can Benefit?
- Low-income families
- People living in rented or informal housing
- Widows and rural women
- Plot owners with limited financial means
Three Execution Models:
- Model 1 – Land Sharing (10,000 units)
- Developers build on state land
- No subsidy; govt controls pricing/installments
- Model 2 – Private Housing Schemes (20,000 units)
- 20% reserved for low-cost housing in private schemes
- Rs. 1 million subsidy per unit
- 5-year installment plans
- Model 3 – Interest-Free Loans (70,000 loans)
- Up to Rs. 1.5 million loans for those with plots
- 7-year repayment
How to Apply:
- Visit: www.acag.punjab.gov.pk
- Check eligibility & submit documents (CNIC, income proof)
- Look out for public ads for available schemes (Models 1 & 2)
Eligibility Criteria:
- Punjab resident
- No prior homeownership (Model 1 & 2)
- Own plot for Model 3
- Low-income group
- Special encouragement for women and widows
Benefits:
- Safe, affordable housing
- Job creation (500,000+ jobs)
- Urban planning improvement
- Access to utilities and sanitation
- Government transparency through PHATA oversight