The Punjab government has taken a major step to ease housing pressure by expanding the Apni Chhat Apna Ghar scheme for joint families. This latest policy update allows large households living together to officially apply for interest-free loans to extend or improve their homes.
The move addresses a long-standing issue faced by joint families who were previously left out due to shared ownership or limited living space. With this expansion, Punjab aims to support traditional family systems while improving living standards across the province.
What Is Apni Chhat Apna Ghar Scheme?
A Flagship Housing Initiative of Punjab
Apni Chhat Apna Ghar is a government-backed housing program designed to help low- and middle-income families build or improve their homes without the burden of bank interest.
The scheme focuses on affordability, transparency, and easy access to housing finance. Loans are provided at zero interest, with flexible repayment plans.
Now, with the latest update, joint families are officially included.
What’s New for Joint Families in 2026?
Policy Expansion Explained
Under the revised policy, families living together under one roof can apply for loans to:
- Improve existing rooms
- Add extra living space
- Extend shared kitchens or courtyards
- Upgrade basic facilities
Earlier, many joint families were unable to apply due to shared property titles. This expansion removes that barrier.
The government has confirmed that traditional layouts common in Punjab’s rural and urban areas will now be considered valid.
Why This Expansion Matters
Supporting Culture and Comfort Together
Joint families are a strong part of Punjab’s social fabric. However, overcrowding often creates discomfort and stress.
By expanding Apni Chhat Apna Ghar, the government aims to:
- Reduce space shortages
- Improve privacy for families
- Preserve joint family living
- Avoid forced relocation
This approach balances modern housing needs with cultural values.
Key Benefits for Joint Families
Interest-Free Financial Support
The most attractive feature remains zero-interest loans, eliminating financial pressure from commercial banks.
Easy Monthly Installments
Repayment plans are designed to be affordable, making it easier for families to manage household budgets.
No Bank Hassles
Applications are processed through official government channels, reducing paperwork and delays.
Improved Living Conditions
Families can expand their homes safely without moving away from their communities.
Housing Targets Set by Punjab Government
Progress So Far
The Punjab government has shared clear targets to tackle housing shortages across the province.
As per official data:
- The target is 160,000 houses
- Deadline is June 2026
- Over 67,000 houses already completed
- More than 53,000 under construction
This large-scale activity is also generating jobs and supporting local businesses.
Who Can Apply? Eligibility Criteria
Basic Requirements
To apply under Apni Chhat Apna Ghar, applicants must:
- Be permanent residents of Punjab
- Have a valid CNIC
- Belong to a low- or middle-income household
- Own or share ownership of the house
- Intend to use the loan for home improvement
Special Consideration for Joint Families
Joint families must provide proof of shared residence and family structure. Authorities have assured flexible verification to avoid unnecessary rejection.
Application Process – How to Apply
Step-by-Step Guide
- Visit the official Punjab housing portal
- Register using CNIC and family details
- Select “Home Expansion” option
- Provide property and income information
- Submit documents for verification
Once approved, loan amounts are released in phases to ensure proper use.
Offline support is also available through designated government offices.
Support for Landless Families
Apni Zameen Apna Ghar Still Active
Families without land are not left behind. Through the Apni Zameen Apna Ghar Scheme, eligible citizens receive residential plots along with interest-free construction loans.
This ensures inclusive housing access for all income groups.
Public Response and Performance
Strong Trust in the Program
The housing scheme has received overwhelming public response:
- Over 1.88 million registrations
- More than 1.06 million applications under review
- Loans worth Rs. 164.66 billion disbursed
- A 99% recovery rate, showing sustainability
These figures reflect strong trust in government-led housing reforms.
How This Impacts Punjab’s Economy
More Than Just Housing
The program contributes to:
- Job creation in construction
- Growth of local suppliers
- Improved urban planning
- Reduced pressure on rental markets
Housing development plays a key role in overall economic stability.
Final Words
The expansion of Apni Chhat Apna Ghar Scheme for joint families is a thoughtful and timely decision by the Punjab government. It recognizes real-world living conditions and supports families without forcing them to abandon traditional lifestyles.
With interest-free loans, clear targets, and strong public response, the program is set to improve housing access and quality of life for thousands of families across Punjab.
❓ FAQs
Q1: Can joint families apply for Apni Chhat Apna Ghar Scheme?
Yes. Joint families are now officially eligible under the expanded policy.
Q2: Is the loan really interest-free?
Yes. The government provides zero-interest loans.
Q3: Can the loan be used for home extension?
Yes. Expansion and improvement are allowed.
Q4: What is the repayment method?
Easy monthly installments without bank interest.
Q5: Is land ownership mandatory?
Shared ownership is acceptable for joint families.
