The Apni Chhat Apna Ghar scheme, launched in August 2025, is a bold and practical move by the government of Pakistan to solve a long-standing problem: affordable housing. With property prices becoming unreachable for the common man, this program offers a chance to own a home through an interest-free loan of up to Rs. 15 lakh. It targets working-class citizens who’ve struggled for years to leave rental homes and move into properties they own.
This scheme stands out because it isn’t tied to political promises — it’s tied to action. For millions across Pakistan, it may be the only realistic opportunity to build or buy a home.
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Apni Chhat Apna Ghar 2025
Applying for Apni Chhat Apna Ghar is refreshingly simple. The government has launched both online and offline registration systems to ensure maximum participation. If you’re eligible, you can register directly on the official portal with your CNIC and basic income details. For those without the internet, local registration centers are open throughout the month of August.
اپنی چھت اپنا گھر اسکیم اگست 2025 میں حکومت پاکستان کی جانب سے متعارف کروائی گئی ہے، جس کا مقصد کم آمدنی والے افراد کو بغیر سود قرض فراہم کرنا ہے۔ یہ قرض ان لوگوں کے لیے ہے جو سالوں سے کرائے کے گھروں میں رہ رہے ہیں اور اب اپنا گھر بنانے یا خریدنے کا خواب پورا کرنا چاہتے ہیں۔ اس اسکیم میں شفافیت اور آسانی کو ترجیح دی گئی ہے تاکہ زیادہ سے زیادہ مستحق افراد مستفید ہو سکیں۔
Program Overview
| Detail | Information |
| Scheme Name | Apni Chhat Apna Ghar |
| Launch Date | August 2025 |
| Loan Amount | Up to Rs. 1.5 million (interest-free) |
| Repayment Period | 10 years |
| Monthly Installments | Starting from Rs. 5,000 |
| Income Limit | Rs. 60,000/month |
| Eligibility | Pakistani citizens without property |
| Registration Deadline | 30th August 2025 |
| Priority Groups | Women, disabled, renters, low-income families |
| Support Helpline | 0800-77666 |
Eligibility Criteria for Interest-Free Home Loan
To make the scheme inclusive yet targeted, the government has defined specific eligibility requirements:
- Pakistani nationality with valid CNIC
- Monthly income not exceeding Rs. 60,000
- No ownership of land or property anywhere in all over Pakistan
- Applicant must be between 20 to 55 years of age
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Loan Structure and Monthly Repayment
The most impressive feature of the Apni Chhat Apna Ghar scheme is the interest-free nature of the loan, which eliminates long-term financial strain. Here’s how it works:
- Loan amount: Up to Rs. 1.5 million
- Repayment period: 10 years
- Monthly installment: Starts from Rs. 5,000, depending on the amount
This setup allows families to plan their finances with peace of mind, without worrying about rising interest rates.
اس اسکیم کے لیے رجسٹریشن کا عمل مکمل طور پر آن لائن اور مفت رکھا گیا ہے، تاہم وہ افراد جو انٹرنیٹ تک رسائی نہیں رکھتے، ان کے لیے ضلعی مراکز میں بھی رجسٹریشن کی سہولت موجود ہے۔ درخواست دہندہ کی عمر 20 سے 55 سال کے درمیان ہونی چاہیے، اور اس کی ماہانہ آمدنی 60 ہزار روپے سے کم ہونی چاہیے۔ رجسٹریشن کی آخری تاریخ 30 اگست 2025 مقرر کی گئی ہے۔
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Documents You’ll Need to Apply
Be sure to have your paperwork in order when applying. These documents are mandatory:
- CNIC (Computerized National Identity Card)
- Proof of income (pension slip, salary slip, or affidavit)
- Family registration certificate (FRC)
- Rental agreement or land document, if applicable
Who Will Be Given Priority in This Scheme?
While all eligible Pakistanis can apply, priority will be given to:
- Female-headed households
- People with disabilities
- Long-term renters (5+ years in one residence)
- Residents of disaster-affected regions or slums
This focus ensures the most vulnerable families benefit first from the Apni Chhat Apna Ghar scheme.
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Benefits Beyond Just Building a Home
This scheme isn’t just about bricks and walls — it has broader social and economic goals:
- Reduces dependence on rental properties
- Encourages local construction employment
- Supports financial planning and household stability
A secure home can change a family’s future. This initiative is designed to do exactly that.
Deadline for August 2025 Registration
Registrations for Apni Chhat Apna Ghar are open until 30th August 2025. Selected applicants will start receiving loan disbursements in October 2025, after document verification. Delays in applying could result in missed opportunities, so early registration is strongly advised.
اپنی چھت اپنا گھر اسکیم کے تحت 15 لاکھ روپے تک کا قرض بغیر کسی سود کے فراہم کیا جا رہا ہے، جس کی واپسی دس سال کی آسان اقساط میں ہوگی۔ حکومت نے خواتین، معذور افراد، اور کرایہ داروں کو ترجیحی بنیادوں پر منتخب کرنے کا فیصلہ کیا ہے تاکہ وہ جلد اپنے گھر کے مالک بن سکیں۔ اس اسکیم سے نہ صرف رہائش کا مسئلہ حل ہوگا بلکہ مقامی معیشت کو بھی فائدہ پہنچے گا۔
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Mistakes That Could Delay Your Application
Even small errors can lead to rejection or delays. Watch out for these common mistakes:
- Entering incorrect CNIC number
- Uploading unclear or incomplete documents
- Using invalid phone numbers for SMS confirmation
Helpline and Support for Applicants
To ensure smooth processing, the government has launched a dedicated helpline for the scheme. Call 0800-77666 or visit your nearest NADRA support desk for in-person guidance.
Conclusion
The Apni Chhat Apna Ghar scheme is more than just a housing project — it’s a chance for hardworking families to gain long-term security and dignity. With interest-free loans, transparent procedures, and inclusive policies, the program offers real hope to those who’ve always been left out of the property market. If you qualify, don’t delay. This could be the start of a better, more stable life in your own home.