How To Register Apni Chat Apna Ghar Scheme 2026 | Complete Details

The Punjab government has started a revolutionary house scheme called Apni Chat Apni Ghar 2026. This scheme has been launched under the leadership of Chief Minister Maryam Nawaz Sharif, the basic idea of ​​which is that every poor and middle-class family can own their own house.

Maryam Nawaz has said that this is not just a project but a social mission where the Punjab government is playing its role for those people who work hard day and night but cannot build their own house due to property prices.

The first phase of the scheme has been launched in different cities of Punjab, including Lahore, Faisalabad, Multan, Rawalpindi, Sialkot, and Bahawalpur.

Every lower and middle-class person finds the details about this program. They also know the idea and method of how they apply the Apni Chat Apna Ghar scheme.

CM Maryam Nawaz Message

Every citizen of Punjab deserves to live under their own roof with dignity, security, and peace. The dream of owning a home should not be limited to the rich only. Through the Apni Chhat Apna Ghar Scheme. We are turning this dream into reality for thousands of hardworking low-income families.

This project is not about building houses; it’s about building futures. It is about giving every family a sense of belonging, ownership, and stability. We want to ensure that no child in Punjab sleeps without a roof of their own above their head.

Our government has designed this scheme with complete transparency and fairness. Every home will be allotted on merit through a computerized and corruption-free process, no political influence, no favoritism, is only justice and equality.

Women will play a role in this initiative. We are encouraging home ownership in the name of women so that they can see themselves empowered, financially secure, and respected within their families and Society. The Apna Chat Apna Ghar scheme reflected my vision of a prosperous, fair, and compassionate Punjab where development reaches every doorstep and no one is left behind.

I invite every eligible citizen to apply and become part of this moment to get the we will build not just houses but a stronger, more hopeful Punjab where everyone can proudly say this is my home, my future, and my Pakistan

Apni Chat Apna Ghar Scheme: Cities Covered

The Apni Chat Apna Ghar scheme was announced for some cities at this time. Here in this section, you know the details about the area. Phase 1 has started in these cities.

• Lahore
• Faisalabad
• Multan
• Rawalpindi
• Sialkot
• Gujranwala
• Bahawalpur
• Dear Ghazi Khan
• Sargodha

Apni Chat Apna Ghar Scheme Eligibility Criteria

If you want to apply for the Apni Chhat Apna Ghar scheme, then these conditions are necessary. ​​The applicant should be a Pakistani citizen and a permanent resident of Punjab, with a monthly income falling within the low to middle income criteria of Rs 25,000 to Rs 100,000.

The applicant should not have any property in his name. Preference will be given to those who live in rented houses—special quota for women, widows, and disabled persons.

Apni Chat Apna Ghar Scheme Documents Required

If you also want to apply for this program launched by Maryam Nawaz, then you will need the documents and details that we have mentioned below. You must have them.

• CINC Copy
• 2 Passport-size photos
• Proof of income (salary slip/business record)
• Rent agreement
• Electricity and Gas bill
• Domicile certificate
• Bank statement (last 6 months)

How to Apply Apni Chat Apna Ghar Scheme Online?

Yes, this option is also available to apply for the Apni Chat Apna Ghar Scheme online through your mobile phone by giving your complete documents.

Here you will get information on how you can apply for this program online. We will recommend that you apply offline. We have also explained the method below, but for your knowledge, it is important to tell you how you can apply online.

• Visit the official website ( Apni Chat Apna Ghar )
• Select the Apni Chhat Apna Ghar scheme 2026 on the home page.
• Fill out the online form with all your information.
• Upload the required documents.
• After submitting the form, you will get an application number. Save it.

Track Application: You can check the status of your application by entering your CNIC number and going to the Track Application option on the website.

How To Apply Offline?

Now, with the help of the steps that you will understand and read below, you can apply offline, wherever you have an address or wherever their offices are, you can go there and apply.

• Get Apni Chhat Apna Ghar form there.
• Fill out the form and attach the document.
• Submit to the branch and get a receipt.
• After verification, you will be informed via SMS or call.

Apni Chat Apna Ghar Scheme Payment Plan & Easy Installments

The payment plan of the scheme has been made very easy so that maximum people can avail the benefits.

• The down payment is only up to 10 percent
• Monthly installments for 5 to 20 years
• Subsidized interest rate by the Punjab Government
• Special discount for widows and disabled persons

Verification Prosses

And when you submit your application, you have to wait for some time. During this time, it is necessary to verify and confirm all the documents related to the program that you have submitted. We have told you what will be verified about you. You can also read.

• Verified your documents
• Selection is done through a computer-generated draw.
• Successful applicant receives allotment letter
• Then the payment plan and possession process start.

Apni Chat Apna Ghar Scheme Advantages

• Affordable & Secure Housing
• Special ownership quota for women
• Transparent selection system
• Government subsidy and low interest
• Basic civic facilities
• Long-term installment with flexible plans

Facilities Under the Scheme

Basic and modern amenities are being provided in every housing project. It is also important for you to know what facilities you are going to get within this housing scheme in this program, and what their benefits will be.

• 24/7 Water and electricity
• Sewage and sanitation system
• Schools and healthcare centers
• Green parks and Masjid
• Security cameras and gated entry
• Wide carpeted roads

Example Models ( Income, Land, and Area Distribution )

This program is designed according to some models, such as Model No. 1, Model No. 2, and Model No. 3. The families that will come in Model No. 1 are low-income families, and Model No. 2 will be middle-income families, and Model No. 3 will include upper-middle-class families who have the facilities and the capacity to apply for it.

Here we have shared with you all the details of the model, including their salary, loan amount, and how much their installments will be.

Model 1: Low-income Family

• Monthly income: RS. 25,000 – 40,000
• House Size : 3 Marla (675 sq ft.)
• Estimated Price: RS. 1.5 TO 2 Million
• Down Payment: RS. 150,000-200,000
• Monthly installment: RS. 8,000 – 12,000
• Location : Bahawalpur, D.G.Khan ,Rajanpur,Multan suburbs

Designed for low-income families and daily wage earners, this unit includes basic amenities like clean water, electricity, and proper sewerage within secure community blocks.

Model 2: Middle-income family

• Monthly income: RS. 45,000-75,000
• House size: 5 Marla (1125 sq ft.)
• Estimated Price: RS. 2.5 – 3.5 Million
• Down Payment: RS. 250,000 – 300,000
• Monthly Installment: RS. 15,000 – 20,000
• Location: Lahore outskirts, Faisalabad, Gujranwala, Sialkot

This model targets teachers, private employees, and small business owners. Each house includes 2-3 bedrooms, a Kitchen, a Lounge, and a porch, making it ideal for growing families.

Model 3: Upper-Middle Family

• Monthly income: Rs. 80,000 – 120,000
• House size: 7 – 10 Marla (1575 – 2250 sq ft)
• Estimated Price: RS. 4.5 -6 Million
• Down Payment: RS. 400,000 – 600,000
• Monthly installment: RS. 30,000 – 45,000
• Location: Lahore, Rawalpindi, Multan city zones

This unit offers spacious modern homes for upper-middle families with advanced features like smart security, community parks, and wide roads – ideal for professional and business owners.

Apni Chat Apna Ghar Program Helpline Number Information

• Helpline: 0800-786-786
• Website : (Visit Now )
• Email: info@homes.punjab.gov.pk
• Office: Housing Department, Punjab Secretariat, Lahore
• Timing: Mon – Fri 9:00 AM TO 5:00 PM

Conclusion

This scheme of Apni Chhat Apni Ghar 2026, which is being run under CM Maryam Nawaz Sharif, allows all those who do not have the investment to build their new house to borrow money on easy installments without interest.

We have shared with you all the necessary information about it, and we have written this article for information purposes for those who want to get information. Your article is beneficial for you to grow. Thank you.

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