Big and exciting update from the Punjab Government! Chief Minister Maryam Nawaz Sharif has expanded the Apni Chhat Apna Ghar Scheme (Mera Ghar Mera Ashiyana) to include joint families as well. Now, joint family households in Punjab can get interest-free loans for home expansion or construction, making it easier for large families to build or extend their homes.
This is a major relief step in 2026 to help more Punjabis own or improve their houses without the burden of interest (bila sud).
Latest Updates
Expansion: Scheme now covers joint families – not just nuclear families.
- Loan Amount: Up to Rs 7–15 lakh interest-free (easy installments).
- Target 2026: 1,60,000 houses to be constructed/completed by June 2026.
- Registered Applicants: Over 18,90,000+ people registered.
- Total Applications: Around 10,70,590 applications received.
- Houses Completed: 67,220 homes already occupied across Punjab.
- Under Construction: 53,902 houses are currently being built.
- Plot Allotment: Approval given for 10,623 plots under Apni Zameen Apna Ghar.
- New Policy: CM directed to prepare a clear policy for the inheritance/transfer of houses built under the scheme.
Who Can Apply For Apni Chhat Apna Ghar 2026?
- Punjab domicile holders (individuals or joint families).
- Low to middle-income families (no strict income limit mentioned – check portal).
- Age: Usually 18+ (no upper limit specified).
- No default on previous government loans.
- Valid CNIC and active mobile number.
How to Apply Online – Step-by-Step
- Official Portal: Visit https://punjab.gov.pk/apni-chhat-apna-ghar
- Registration/Login:
- Click “Apply Now” or “New Registration”.
- Enter CNIC, mobile (OTP verification), email.
- Fill Form:
- Select category (new house, expansion, joint family).
- Enter family details, proof of income, and proof of land ownership (if any).
- Upload documents: CNIC, domicile, property papers, and income declaration.
- Submit & Track:
- Get the application number via SMS/email.
- Track status online.
- Approval & Loan:
- Verification (may include site visit).
- Loan approval in weeks – interest-free, easy installments.
Important Tips:
- Apply only through official Punjab Govt portals – no agents.
- The scheme is interest-free – no hidden charges.
- Joint families are now fully eligible – great for large households.
- Keep documents ready: CNIC, property proof, and income details.
- Check the portal regularly for updates and merit lists.
This expansion is a huge step for Punjab families – especially joint ones – to build or expand homes without an interest burden.
Comment below:
- Are you applying for house construction or expansion?
- Which district are you from?
Allah sab ko apna ghar nasib kare. Ameen!
Thank you for reading!
Waseem Bhatti is a professional digital content creator, journalist, and blogger from Pakistan with10 years of experience in the online industry. He writes informative, research-based articles on technology, government schemes, jobs, and education. He is known for delivering clear, practical, and reader-friendly content for a wide Pakistani audience.
