The Apni Chhat Apna Ghar Scheme 2026 is one of Punjab’s most impactful housing initiatives, designed to help families build, expand, or complete their own homes without paying any interest. In a major 2026 update, the Punjab Government has officially extended this scheme to joint families, making it easier for large households to live together with dignity and proper space.
This expansion allows eligible joint family households to apply for interest-free housing loans ranging from Rs 7 lakh to Rs 15 lakh, payable in easy installments. The move reflects the government’s focus on inclusive housing solutions for low- and middle-income families across Punjab.
What Is Apni Chhat Apna Ghar Scheme?
Apni Chhat Apna Ghar (also known as Mera Ghar Mera Ashiyana) is a Punjab Government housing support program that provides bila-sud (interest-free) loans for:
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New house construction
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Home expansion or extension
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Completion of partially built houses
The scheme is launched under the leadership of Maryam Nawaz Sharif with the goal of increasing home ownership, reducing rent burden, and improving living standards for deserving families.
Big Update 2026: Joint Families Now Eligible
Previously, the scheme mainly focused on nuclear families. In 2026, the scope has been widened to officially include joint family systems, which are common across Punjab.
Why This Update Matters
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Large families can now expand existing homes
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Multiple generations can live together comfortably
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Reduced pressure on rental housing
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Better use of existing land and property
This step ensures that housing support reaches a broader segment of society, especially families living together due to economic or cultural reasons.
Key Highlights of Apni Chhat Apna Ghar 2026
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Loan Amount: Rs 7 lakh to Rs 15 lakh
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Interest: 0% (completely interest-free)
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Repayment: Easy monthly installments
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Coverage: Entire Punjab
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Target for 2026: Around 1.6 lakh houses
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Applicants Registered: Over 18 lakh
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Houses Completed: More than 67,000
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Houses Under Construction: 50,000+
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Plots Approved: 10,000+ under related housing initiatives
The government is also working on a clear inheritance and transfer policy for houses built under this scheme, ensuring long-term security for families.
Who Can Apply for Apni Chhat Apna Ghar Scheme 2026?
Eligibility Criteria
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Must be a Punjab domicile holder
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Individual or joint family households
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Valid CNIC and active mobile number
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No default on previous government loans
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Ownership or legal possession of land (for construction/expansion cases)
There is no officially fixed income cap, but the scheme prioritizes low- to middle-income families based on submitted details and verification.
How to Apply Online – Step-by-Step Guide
Applications are accepted only through the official Punjab Government portal.
Official Website
👉 punjab.gov.pk/apni-chhat-apna-ghar
Online Application Process
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Visit the official portal
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Click on Apply Now / New Registration
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Enter CNIC and mobile number (OTP verification)
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Fill in the application form:
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Select category (new house, expansion, joint family)
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Enter family and income details
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Provide property or land information
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Upload required documents:
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CNIC
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Domicile
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Property papers (if applicable)
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Income declaration
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Submit the form
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Receive application number via SMS/email
You can track your application status anytime through the portal.
Verification, Approval & Loan Disbursement
After submission:
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Government teams verify documents
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In some cases, a site visit may be conducted
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Eligible applications are approved on merit
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Loan amount is released in stages, based on construction progress
All loans are provided without interest, and repayment starts according to the approved schedule.
Important Tips for Applicants
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Apply only through official Punjab Government websites
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Do not pay any agent or middleman
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Keep documents accurate and up to date
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Joint families should clearly declare shared household structure
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Regularly check the portal for updates or merit lists
⚠️ Any false information may lead to rejection or cancellation.
Why Apni Chhat Apna Ghar 2026 Is Important
Owning a home is a basic need — but rising construction costs make it difficult for many families. By offering interest-free housing loans and now including joint families, this scheme addresses real-world housing challenges faced by Punjab’s population.
It promotes:
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Stable family living
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Reduced financial stress
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Long-term social wellbeing
Final Words
The Apni Chhat Apna Ghar Scheme 2026 is a strong step toward making home ownership achievable for thousands of Punjab families. With joint families now eligible, the program becomes even more inclusive and practical.
If you meet the criteria, apply through the official portal, submit accurate information, and follow the process patiently. Always rely on official government sources for the latest updates.
Disclaimer
This article is published for informational purposes only. gymholics.pk is not affiliated with any government department. Scheme details may change at any time; always verify information through official Punjab Government portals.
All content on this website is shared for general informational purposes only. gymholics.pk is an independent platform and is not affiliated with any government department, fitness authority, or official organization. Readers should use this information responsibly and consult relevant professionals or official sources when needed.
