Apply Online: Apni Chat Apna Ghar 2025 by CM Punjab Maryam Nawaz Housing Scheme
The Punjab government, under the leadership of Chief Minister Maryam Nawaz, has launched a new housing initiative called Apni Chat Apna Ghar 2025. This program is designed to provide affordable housing to low and middle-income families who dream of owning a safe and secure home but cannot afford rising property prices.
With the official launch in 2025, families can now apply online for registration and benefit from government-supported installment plans. This initiative is not only about providing houses but also about giving dignity, security, and stability to those struggling to pay rent every month. In this article, we’ll cover the eligibility, benefits, registration process, and required documents for Apni Chat Apna Ghar. By the end, you’ll have a complete guide to apply successfully.
What is Apni Chat Apna Ghar Scheme?
The Apni Chat Apna Ghar Program is a welfare housing scheme by the Punjab government that focuses on:
- Providing low-cost housing to poor and middle-income families.
- Offering easy installment-based payments.
- Empowering women, widows, and vulnerable groups by giving them priority in ownership.
- Reducing the burden of monthly rents for families living in urban areas.
This scheme is part of Maryam Nawaz’s broader social welfare agenda for Punjab 2025.
Eligibility Criteria for Apni Chat Apna Ghar 2025
To apply for this program, applicants must meet the following conditions:
WhatsApp Channel- Must be a Pakistani citizen and a permanent resident of Punjab.
- Family income should be below Rs. 60,000 – 70,000 per month (priority for low-income).
- Applicant must not already own a house.
- Widows, divorced women, and orphans will get special preference.
- Applicant must be registered in the Punjab Socio-Economic Registry (PSER 2025) database.
Documents Required for Registration
Applicants need the following documents to complete their application:
- Valid CNIC of applicant and spouse.
- Proof of income (salary slip or income certificate).
- Family registration certificate (FRC).
- Proof of residence (utility bill or rent agreement).
- Widow/divorce certificate (if applicable).
Features of Apni Chat Apna Ghar 2025
| Feature | Details |
| Monthly Installments | Affordable and income-based |
| Eligibility Check | Through PSER 2025 database |
| Target Groups | Low-income, widows, orphans, rural families |
| Mode of Application | Online + Offline centers |
| Initial Locations | Lahore, Faisalabad, Multan, Rawalpindi |
How to Apply Online for Apni Chat Apna Ghar 2025
The Punjab government has made the registration process simple and transparent:
- Visit the official Punjab Housing portal.
- Select Apni Chat Apna Ghar 2025 – Apply Online.
- Enter your CNIC number and personal details.
- Upload scanned copies of required documents.
- Submit the application and save your tracking ID.
Applicants who cannot apply online can visit the nearest housing registration center for manual submission.
Installment and Payment Plan
The government aims to keep the monthly installments affordable for low-income families. Instead of a large down payment, families will pay in small monthly installments spread over years.
Example Installment Plan
| House Size | Total Cost (Approx.) | Down Payment | Monthly Installment | Tenure |
| 3 Marla House | Rs. 1,500,000 | Rs. 150,000 | Rs. 10,000 – 12,000 | 10–12 years |
| 5 Marla House | Rs. 2,500,000 | Rs. 250,000 | Rs. 18,000 – 20,000 | 10–12 years |
| Flat (2 Room) | Rs. 1,200,000 | Rs. 120,000 | Rs. 8,000 – 10,000 | 10 years |
Note: Actual amounts may vary based on location and government subsidy.
Benefits of Apni Chat Apna Ghar 2025
The scheme provides multiple advantages for deserving families:
- Relief from high rental expenses.
- Priority for women, widows, and rural poor.
- Secure and safe housing for children’s future.
- Transparent application system linked with PSER survey.
- Encouragement of social equality and welfare in Punjab.
CM Maryam Nawaz’s Special Message on Home Mortgage
During the launch of the Apni Chat Apna Ghar 2025 Scheme, CM Punjab Maryam Nawaz shared an emotional and reassuring message for the people of Punjab. She emphasized that this program is not just about building houses but about ending the long-standing worry of families who cannot afford their own shelter.
She clearly said:
“Jin ke paas zameen ka tukra nahin, wo ab be ghar nahin rahen gein.”
This message highlights the government’s commitment to making sure that even those who don’t own land can now have a safe and affordable home through mortgage-based easy installments. For countless families living in rented houses, this statement has brought new hope and relief.
Conclusion
The launch of Apni Chat Apna Ghar 2025 by CM Punjab Maryam Nawaz is a historic step to provide affordable housing for poor and middle-class families. With easy installment plans, transparent registration through PSER 2025, and special priority for women, this program gives new hope to thousands of families dreaming of their own home.
FAQs
Q1: Who can apply for Apni Chat Apna Ghar 2025?
Low and middle-income families in Punjab, especially women and widows.
Q2: How much is the monthly installment?
Installments start from Rs. 8,000 to Rs. 20,000, depending on house size.
Q3: Do applicants need to be in PSER 2025?
Yes, eligibility is verified through the Punjab Socio-Economic Registry 2025.
Q4: Where can applications be submitted?
Online through the Punjab Housing Portal or at designated centers.
Q5: Can widows and women apply independently?
Yes, women have a special quota and priority in this scheme.
