PKR 1.5 Million Interest-Free Loan
PKR 1.5 Million Interest-Free Loan: Owning a home is a lifelong dream for many families, but rising construction costs have made it difficult for low-income households to turn that dream into reality. To address this challenge, the Punjab government has introduced a major housing initiative called “Apni Chhat Apna Ghar” (My Roof, My Home), aimed at helping deserving families build their own houses through interest-free loans.
This program is specially designed for people who already own land but cannot afford to construct a home due to financial constraints.
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A Dedicated Help Desk for Public Guidance
To make the application process simple and transparent, a special information and application desk has been established. This desk provides complete guidance regarding eligibility, documentation, and the loan application procedure.
During a visit to the One Window Operation Center, Director General Housing & Town Planning Agency Punjab, Saif Anwar, personally briefed citizens about the project and how they can benefit from it.
Who Can Benefit from This Scheme?
According to DG Saif Anwar, this initiative has been launched by Chief Minister Punjab, Maryam Nawaz, specifically for poor and homeless individuals. The key beneficiaries include:
- Families who own land but cannot afford construction
- Low-income households seeking safe and permanent housing
- Citizens living in inadequate or temporary shelters
The scheme aims to provide dignity, security, and stability through home ownership.
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Interest-Free Loans for Home Construction
In the first phase, the Punjab government plans to support 70,000 families by providing interest-free loans for house construction.
Key loan details include:
- Loan amount: Up to PKR 1.5 million
- Interest: Completely interest-free
- Repayment period: 7 years
- Installments: Easy and affordable monthly payments
This structure ensures that families can repay the loan without financial pressure.
How to Apply for “Apni Chhat Apna Ghar”
The application process has been made extremely simple and accessible.
Citizens can apply through either of the following methods:
- Online Application
- Apply through the PITB (Punjab Information Technology Board) portal
- The online system is user-friendly and designed for maximum accessibility
- Toll-Free Helpline
- Call 0800-09100
- Get guidance and submit your housing loan request with assistance
These options ensure that even people with limited internet access can apply easily.
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Housing Construction Plan Across Punjab
The “Apni Chhat Apna Ghar” initiative is not limited to one area. The government has planned housing development across multiple districts.
- The project starts in five major cities:
- Multan
- Faisalabad
- Sialkot
- Sargodha
- Rawalpindi
- In each district, more than 3,000 housing units will be developed
- Lahore Special Plan
- In the first phase, 5,000 homes will be constructed near Raiwind Road
This wide-scale plan reflects the government’s commitment to addressing the housing shortage across Punjab.
A Step Toward Affordable Housing
Chief Minister Maryam Nawaz launched this scheme with a clear vision: to provide affordable housing through easy installment plans. The initiative not only helps families build homes but also supports economic stability and social well-being.
By offering interest-free loans, transparent procedures, and easy access, the Punjab government has taken a significant step toward making home ownership possible for thousands of deserving families.
Final Thoughts
“Apni Chhat Apna Ghar” is more than just a housing scheme—it is a lifeline for families who have land but lack the means to build a home. With interest-free loans, a simple application process, and province-wide implementation, this project stands out as a practical and people-focused solution.
For many families in Punjab, the dream of having their own roof is finally within reach.