CM Punjab Housing Scheme - 2024
Apni Chhat Apna Ghar - Rs 1.5 million interest-free housing loan for Punjab families
Qualifying low-income families in Punjab can borrow up to Rs 1.5 million at zero interest to build on their own plot - the Punjab government absorbs all markup costs. Repayments run at roughly Rs 14,000 a month through Bank of Punjab. You need a PMT score of 60 or below and a plot in your name.
Rs 1.5M
Maximum loan amount
interest-free Qarz-e-Hasna
0%
Interest rate
markup paid by Punjab govt
Rs 14,000
Monthly installment
approximate repayment
PMT ≤60
Income threshold
BISP Proxy Means Test score
Who Qualifies
Apni Chhat Apna Ghar eligibility criteria
✅ Must meet ALL of these
- Punjab resident - Punjab CNIC or domicile
- PMT (Proxy Means Test) score of 60 or below
- Age under 60 years
- Own the plot: urban ≤5 Marla OR rural ≤10 Marla
- Must not own any other property
- Must not have previously received a government housing scheme loan
Priority categories
Female-headed households
First priority in allocation
Persons with disabilities (PWDs)
Priority access
BISP beneficiary families
PMT score already verified
Families below poverty line
PMT <30 get largest loan share
Plot Requirements
Urban vs rural plot size rules for Apni Chhat Apna Ghar
| Location | Maximum plot size | Plot ownership required |
|---|---|---|
| Urban (city / town) | 5 Marla (125 sq yards / ~105 sq metres) | Yes - Fard or Mutation in applicant's name |
| Rural (village / mauza) | 10 Marla (250 sq yards / ~210 sq metres) | Yes - Fard or Mutation in applicant's name |
The plot must be owned by the applicant - rented or borrowed plots do not qualify. The scheme funds construction on the plot, not plot purchase.
Documents
What to bring when applying at Bank of Punjab
- 1
CNIC (original + copies)
Must be Punjab-issued.
- 2
BISP PMT documentation
Your BISP assessment letter or dashboard printout showing your PMT score (≤60).
- 3
Plot ownership documents
Original Fard (land record) or Mutation (Intiqal) in your name from the relevant Patwari or Land Record Centre.
- 4
Age certificate
CNIC serves this purpose for most applicants - must show age under 60.
- 5
Punjab domicile certificate
Or proof of Punjab residence.
- 6
Passport-size photographs
2–4 recent photographs.
- 7
No-property declaration
Self-declaration that you do not own any other property - bank provides this form.
How to Apply
Apni Chhat Apna Ghar - step-by-step application
Verify your PMT score first
If you are a BISP recipient, your score is already recorded. If not, visit your nearest BISP office to request a household assessment - this is free and takes 1–2 weeks.
Confirm you own the plot in your name
Get the Fard (land record certificate) from your local Arazi Record Centre (PLRA) or Patwari. The plot must be in your name, not a family member's.
Visit your nearest Bank of Punjab branch
Ask specifically for the Apni Chhat Apna Ghar scheme desk. BOP branches designated for the scheme have trained officers for the application process.
Submit your application with all documents
BOP processes the application and verifies your identity, PMT score, and plot ownership against government databases.
Loan approval and first disbursement
On approval, the loan is disbursed in tranches - typically 30–40% upfront for foundation/structure work, then subsequent tranches on construction completion verification.
Pay Rs 14,000/month until repaid
EMI is deducted from your Bank of Punjab account. All markup is covered by Punjab government - you pay only the principal each month.
Common Questions
Apni Chhat Apna Ghar FAQs
What is the Apni Chhat Apna Ghar scheme?
Apni Chhat Apna Ghar (Own Roof, Own Home) is a Punjab government housing scheme launched by CM Maryam Nawaz in 2024. It provides an interest-free (Qarz-e-Hasna) loan of up to Rs 1.5 million to low-income families in Punjab for constructing a home on their own plot. The loan is repaid in monthly installments of approximately Rs 14,000/month over a fixed period at zero interest - all markup is paid by the Punjab government.
Who is eligible for Apni Chhat Apna Ghar?
Eligibility conditions: (1) Punjab resident with Punjab CNIC or domicile, (2) PMT (Proxy Means Test) score of 60 or below - assessed by BISP, (3) must own the plot - urban plot up to 5 Marla or rural plot up to 10 Marla, (4) age under 60 years, (5) must not own any other property, (6) must not have previously received a government housing scheme. Priority is given to female-headed households and persons with disabilities.
What does PMT ≤60 mean and how is it assessed?
PMT stands for Proxy Means Test - a scoring system used by BISP (Benazir Income Support Programme) to assess a household's economic status based on factors like assets, income, housing quality, and education. A PMT score of 60 or below means the family is classified as low-income or vulnerable. If you are a BISP beneficiary, your PMT score is already on record. If not, you can request an assessment at your nearest BISP office.
How much is the monthly repayment for Apni Chhat Apna Ghar?
The monthly installment is approximately Rs 14,000 per month. The exact amount depends on the loan amount approved (up to Rs 1.5 million) and the repayment period. Since the loan is interest-free (Qarz-e-Hasna), all monthly payments go toward the principal - the Punjab government covers any financing cost. A Rs 1.5 million loan at Rs 14,000/month repays over approximately 9 years.
How do I apply for Apni Chhat Apna Ghar?
Applications are submitted through the Bank of Punjab. Visit your nearest BOP branch with required documents: CNIC, BISP PMT documentation or poverty assessment, proof of plot ownership (Fard or Mutation), age certificate, domicile certificate, and a recent photograph. The loan is processed through BOP and disbursed in tranches linked to construction progress.
Build your own home - up to Rs 1.5 million, zero interest
Apni Chhat Apna Ghar is for PMT ≤60 families with a plot up to 5 Marla (urban) or 10 Marla (rural). Apply at your nearest Bank of Punjab branch.