Apni Chhat Apna Ghar Fresh Applications Approved – New Round for Punjab Families

Punjab Chief Minister Maryam Nawaz Sharif has approved fresh applications under the Apni Chhat Apna Ghar housing scheme, opening the door for more low-income families across the province to apply for an interest-free home loan. The decision was taken at a meeting chaired by the Chief Minister on 3 November 2026 to review the programme’s progress, as reported by The Nation and GTV News.

The approval matters because the scheme is already one of Punjab’s largest welfare programmes, with more than 225,000 loans disbursed and over 128,000 houses completed. Families who missed earlier rounds, or have only recently become eligible, now get another chance to apply for up to Rs 1.5 million to build a house on their own plot.

What Was Approved on 3 November 2026

• Fresh applications approved: The meeting approved inviting fresh applications, so more eligible families can join the programme.
• Progress reviewed: The Chief Minister reviewed progress and directed officials to meet all targets on time.
• Strong recovery record: Loan recovery stands at 97.6 per cent, with Rs 22.29 billion recovered so far.
• Second instalments paid: 171,597 beneficiaries have received their second instalment, while work on another 62,600 houses is progressing rapidly.
• Mehfooz Chhat window closed: Applications for the linked repair-and-extension scheme have closed, with Rs 1.216 billion disbursed to 3,055 applicants.

Apni Chhat Apna Ghar at a Glance

Progress Figures Announced on 3 November 2026

Who Can Apply for Apni Chhat Apna Ghar

Eligibility has not changed with this approval. Applicants in the fresh round must still meet these conditions:

• Family head: The applicant must be head of the family as per NADRA record.
• Own plot: Sole owner of a plot of up to 5 marla in urban areas or up to 10 marla in rural areas anywhere in Punjab, on which the house will be built.
• Socio-economic record: Registered with the National Socio-Economic Registry (NSER) in a household with a PMT score of 60 or less.
• Punjab resident: Resident of Punjab with a valid CNIC.
• No existing house: The loan builds a house on a plot the family already owns — it does not buy land. Families without a plot are covered by the linked Apni Zameen Apna Ghar allotment scheme.

How to Apply Online

1. Visit the official Apni Chhat Apna Ghar portal at acag.punjab.gov.pk and open the Citizen Registration Form. Use only the official portal — never pay an agent, as the application carries no fee.
2. Create your account with your CNIC details and complete the form carefully, making sure your details match your NADRA and land records.
3. Select the Apni Chhat Apna Ghar loan category and upload the required documents, including your CNIC and proof of plot ownership (Fard).
4. Submit the form and note your application reference. Identity and property details are verified through NADRA and the Punjab Land Records Authority (PLRA).
5. Track your application on the same portal, and call the toll-free helpline 0800-09100 if your case appears stuck after verification.

What Is Not Announced Yet

• No opening date yet: The meeting approved fresh applications, but no opening date, district quota or last date for the fresh round was published in the meeting reports.
• No new loan terms: No change to the loan amount, instalment or eligibility rules was announced — the existing terms above still apply.
• Not the federal scheme: This is Punjab’s own programme, run by PHATA — different from the federal Apna Ghar loan, which works through partner banks.
• Mehfooz Chhat is separate: The repair-and-extension window has completed its applications. The fresh applications approved on 3 November relate to the main house-construction loan.

Beware of fake apply links or agents asking for money on WhatsApp or social media.

Contact and Helpline Details

Conclusion

The fresh round is good news for Punjab families still waiting to build their own house. With 225,000 loans disbursed, 128,718 houses completed and a 97.6 per cent recovery rate, the programme has a proven record. Eligible families should prepare documents now, watch the official portal for the fresh-round notice, and apply only through the official channel.

FAQs

Q: Has the Punjab government opened fresh applications for Apni Chhat Apna Ghar?
A: Yes — the 3 November 2026 review meeting chaired by Chief Minister Maryam Nawaz Sharif approved inviting fresh applications. No opening or last date was published in the meeting reports, so watch the official portal for the formal notice.

Q: How much loan can I get under Apni Chhat Apna Ghar?
A: Up to Rs 1.5 million, interest-free, repayable in monthly instalments of about Rs 14,000.

Q: Who is eligible for the scheme?
A: A Punjab resident who is head of the family as per NADRA record, sole owner of a plot up to 5 marla in urban areas or 10 marla in rural areas, and registered with NSER in a household with a PMT score of 60 or less.

Q: Where do I apply?
A: Through the official portal linked in this article. The toll-free helpline is 0800-09100. Never pay an agent to apply.

Q: Is this the same as the federal Apna Ghar scheme?
A: No. Apni Chhat Apna Ghar is Punjab’s own interest-free loan programme run by PHATA, while the federal Apna Ghar housing loan works through partner banks on different terms.