Apni Chhat Apna Ghar Scheme
The Punjab government has introduced a brilliant scheme in 2025, which aims to allow people who have fewer resources to build their own homes. “Own Roof Own Home Scheme“ Under you 15 lakhs without interest,t can borrow up to — no interest, no hidden charges.
This scheme is especially for those people who belong to the poor or middle class and want to build their dream home, but lack financial resources is a hindrance.
Scheme summary
| information | Description |
| Scheme Name | Apna Chhat Apna Ghar Scheme 2025 |
| Issuer | Punjab Govt |
| Loan amount | A maximum of Rs 15 lakhs |
| Return period | 7 years (in easy monthly installments) |
| Monthly Installment | 11,000 to 14,000 rupees |
| Interest/Charges | Not – no interest, no hidden costs |
| Usage | Building a house, roofing, fencing etc |
How can we qualify for “Apni Chhat Apna Ghar Scheme”?
If you want your name to be included in this scheme, you have to fulfill the following conditions:
- You Permanent residents of Punjab I am
- to you, Your plot Be (1 Marla to 10 Marla, City or Village)
- Documentary proof of plot ownership (registry, stamp paper, individual, or allotment letter)
- If your house is partially built and only the roof is left, you are still eligible
- Your income Rs 20,000 to Rs. 80,000 be between
- Your Low PMT score (This score is available in the government database)
Visit Also:BISP 13500 May 2025 Payment | Eligibility, Dates
How do we apply for “Apni Chhat Apna Ghar Scheme”?
The process of applying in this scheme is simple but step-by-step:
- First of all, take your survey (This will be done by a government-approved team or official)
- Have all the necessary documents ready (CNIC, plot registry, current house condition details, etc.)
- every The draw to be held three months later wait for
- If your name comes up in the lottery, you will get a loan
- loan In two episodes, gets:
- Until the first episode “Lental”.
- After the second episode “Lental”.
What can the loan be used for?
You can use this loan for the following purposes:
- If the house is partially built Roofing for
- On a vacant plot, to build a new house for
- of the present house finishing or finishing for
- After completing the house, you can rent or sell
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Which documents are required for “Apni Chhat Apna Ghar Scheme”?
You must have the following documents at the time of applying:
- Copy of National Identity Card (CNIC).
- Plot Registry / Stamp Paper / Individual or Allotment Letter
- Photo of house (if partially constructed)
- Proof of monthly income (salary slip, or any financial document)
What should be done after applying?
- After submitting your application, Wait for the draw
- If the name comes out, then the first installment of the loan to you to the construction of the lintel Will get
- Second episode It will be available when the work of the first installment is completed
- The government keeps a complete record of loan repayments and provides information about the installments
- S Duran, okay Keep documents and evidence safe
Visit Also:BISP 8171 Next Payment June–July 2025
FAQs
How Much Loan Will I Get?
You can get a maximum loan of Rs 15 lakh.
Are there interest or additional charges?
No! It’s an absolutely interest-free loan, and no hidden charges.
How long are the installments?
You can refund the loan in 7 years, the monthly payment will be Rs 11,000 to 14,000.
Can I apply to build a house on a vacant plot?
Yes! You can apply even if you have a vacant plot.
How to apply?
Contact the survey team, conduct the survey, submit the required documents and wait for the draw.
Visit Also: BISP Phase 2 Payment May Update 2025
Conclusion
“Apni Chhat Apna Ghar Scheme 2025” There is a golden opportunity for the people of Punjab. With no interest, no stress, and no hidden costs, you too can own your own home. If you own a plot, or own a house but still have a roof — then this scheme is for you. Make your preparations now, take the survey, complete the documents, and try your luck in the upcoming lottery. Take full advantage of this Punjab Government assistance and turn your dream home into a reality.