Punjab Expands “Apni Chhat Apna Ghar” Program to Support Joint Families
Apni Chhat Apna Ghar
The Punjab government has announced a major expansion of its flagship housing initiative, “Apni Chhat Apna Ghar,” now including joint families across the province. The initiative aims to provide interest-free loans for home expansion, enabling households to upgrade their living spaces while preserving traditional joint family structures. Chief Minister Maryam Nawaz described this step as a “golden gift” for the people of Punjab, emphasizing its role in promoting social harmony and development.
Purpose
Support joint families with home expansion
- Interest-free loans for home extensions
- Preserve traditional family living
Eligibility
Joint families across Punjab
- Must live in existing home
- Household with multiple generations
Loan Structure
Zero-interest with easy installments
- Repayable in convenient installments
- Financially sustainable for large households
Housing Targets
160,000 houses by June 2026
- Coverage across Punjab
- Employment and local development support
Landless Families
Support via Apni Zameen Apna Ghar scheme
- Plots provided to eligible families
- Interest-free loans for home construction
Progress & Impact
High registration and construction numbers
- 67,197 houses completed, 53,843 under construction
- Loan recovery rate 99%
Quick Actions / Key Points
- Apply for interest-free home expansion loans
- Ensure inclusion of joint family households
- Monitor construction and financial progress
- Support landless families with plots and loans
By extending support to joint families, the government seeks to address the growing demand for housing while maintaining shared family arrangements such as common kitchens and courtyards. This approach combines modern housing solutions with cultural values, ensuring families can live together comfortably without financial strain.
- Interest-free loans for home expansion
- Support for joint family living arrangements
- Focus on social harmony and housing development
Also Read: Imam Masjid Registration 2026 – Download Editable Form PDF & Submit Application in 3 Simple Steps
Vision Behind the Expansion of Apni Chhat Apna Ghar Program
Chief Minister Maryam Nawaz has envisioned this expansion as a way to strengthen the joint family system, which has been a traditional part of Punjab’s culture for centuries. By offering financial support for home extensions, the program encourages families to remain united while addressing practical housing needs.
The program also highlights the government’s focus on social and economic development. Providing families with adequate living spaces ensures better quality of life, while fostering shared responsibilities and mutual support among family members.
- Strengthening traditional family structures
- Promoting cultural and social cohesion
- Encouraging family self-reliance
Also Read: Aghosh Program 2026 – Online Registration, Eligibility Criteria & Monthly Assistance Details
Inclusion of Joint Families in the Housing Scheme
Under the revised policy, joint families across Punjab can now access loans on easy installment plans to expand their homes. This ensures that households with multiple generations can increase their living space without relocating or facing high financial burdens.
This inclusion marks a significant step in making the Apni Chhat Apna Ghar program more inclusive. Families previously unable to benefit due to shared ownership or larger household sizes can now apply and receive support tailored to their needs.
- Easy installment plans for joint families
- Loans aimed at home expansion
- Inclusive coverage for larger households
Also Read: CM Punjab 3 Marla Plot Scheme 2026 – Apply Online, Eligibility & Complete Low-Income Housing Guide
Approval of Interest-Free Loans for Home Expansion
The Punjab government has officially approved the issuance of interest-free loans to joint families seeking home extensions. These loans are structured to allow families to repay in convenient installments while benefiting from zero interest charges.
This initiative addresses the common challenges faced by joint families, such as space shortages and financial constraints, making home expansion feasible and sustainable.
- Zero-interest loans for home extensions
- Convenient installment repayment options
- Financial relief for joint households
Housing Construction Target Set by Punjab Government
The government has set an ambitious target of constructing 160,000 houses across Punjab by June 2026. This goal demonstrates the provincial commitment to addressing housing shortages while providing affordable options for all citizens.
Large-scale construction under this program also supports employment and local development. By integrating joint family housing into this framework, the government ensures that the benefits of growth are distributed equitably.
| Target Area | Goal |
|---|---|
| Total Houses | 160,000 by June 2026 |
| Beneficiaries | Families across Punjab |
Support for Landless Citizens Under Apni Zameen Apna Ghar Scheme
For citizens without land, the government continues to provide support under the Apni Zameen Apna Ghar initiative. Eligible families are allotted residential plots along with interest-free loans to build homes, ensuring broader access to housing opportunities.
This policy guarantees that low-income and landless families can also benefit from modern housing programs, promoting equity and inclusion across Punjab.
- Land plots provided to eligible families
- Interest-free loans for construction
- Focus on equitable housing access
First Phase Plot Allotment Details
In the first phase, 1,534 plots have been approved for allotment through a lottery system. The distribution process is designed to be transparent, ensuring fairness and equal opportunity for eligible families.
This phase covers key districts including Jhelum, Kasur, Faisalabad, and Lodhran. The lottery system reinforces trust in the program while prioritizing families most in need of housing support.
- 1,534 plots approved for allotment
- Lottery system ensures transparency
- Coverage of multiple districts
Also Read: Apni Chhat Apna Ghar Scheme Phase 2 – Eligibility, Installment Plan & Online Apply Guide 2026
Registration and Application Statistics
The program has seen strong public interest, with over 1.88 million users registered and more than 1.06 million applications currently under review. These numbers indicate high demand for affordable housing and confidence in the government’s initiative.
The registration process allows the authorities to manage applications efficiently and ensure that eligible families receive support in a structured manner.
- Over 1.88 million registered users
- 1.06 million applications under review
- High public engagement
Also Read: Mera Ghar Mera Ashiana Scheme 2026 – NBP Online Apply, Fast Approval Steps & Required Documents
Progress of Housing Construction Across Punjab
To date, 67,197 houses have been completed under the Apni Chhat Apna Ghar program, while 53,843 units are still under construction. This reflects steady progress toward meeting housing targets and delivering benefits to thousands of families.
The ongoing construction provides employment opportunities and stimulates local economies, demonstrating the program’s dual impact on social welfare and economic development.
| Construction Status | Number of Houses |
|---|---|
| Completed | 67,197 |
| Under Construction | 53,843 |
Financial Performance and Loan Recovery Rate
Total loans disbursed under the program have reached Rs164.66 billion, with a 99 percent recovery rate. The high recovery rate demonstrates the financial sustainability and effectiveness of the housing initiative.
The government is committed to maintaining this performance by releasing subsequent installments promptly and ensuring proper management of funds.
- Total loans disbursed: Rs164.66 billion
- Loan recovery rate: 99%
- Continued financial monitoring
Also Read: Aghosh Program 2026 – Online Registration, Eligibility Criteria & Monthly Assistance Details
Policy Direction for Families in Case of Applicant’s Death
The Chief Minister has instructed authorities to develop policies ensuring continued support for families in case the primary applicant passes away. This ensures that beneficiaries are protected and their families can continue to benefit from the program without disruption.
Such measures add a layer of social security, reinforcing the government’s commitment to long-term welfare for participating families.
- Policies for applicant loss scenarios
- Continued financial and housing support
- Strengthening family security
Also Read: Imam Masjid Registration 2026 – Download Editable Form PDF & Submit Application in 3 Simple Steps
Social and Economic Impact of the Expanded Program
The inclusion of joint families in the Apni Chhat Apna Ghar program reduces Punjab’s housing shortage while preserving cultural and social values. It promotes social cohesion by supporting traditional family structures and enabling comfortable shared living.
Economically, the program stimulates construction activity, creates jobs, and enhances access to affordable housing, contributing to overall provincial development.
- Reduction of housing shortage
- Preservation of joint family culture
- Economic growth through construction and employment
Conclusion
The expansion of the Apni Chhat Apna Ghar program to joint families represents a transformative step for Punjab’s housing sector. Interest-free loans and easy installment plans ensure families can expand their homes sustainably while maintaining traditional living arrangements.
With steady progress in construction, high loan recovery, and strong government oversight, the initiative is set to improve housing conditions, promote social harmony, and support economic development across Punjab.
Also Read: Apni Chhat Apna Ghar Scheme Phase 2 – Eligibility, Installment Plan & Online Apply Guide 2026
FAQs
Who can benefit from the expanded Apni Chhat Apna Ghar program?
Joint families across Punjab can now apply for interest-free loans to expand their homes.
What is the housing target set by the Punjab government?
The government aims to construct 160,000 houses by June 2026 under this initiative.
Are landless families included in any housing programs?
Yes, the Apni Zameen Apna Ghar scheme provides plots and interest-free loans to landless families.
What is the loan recovery rate under this program?
The recovery rate for issued loans is 99 percent, indicating strong program sustainability.
Also Read: Mera Ghar Mera Ashiana Scheme 2026 – NBP Online Apply, Fast Approval Steps & Required Documents
