The CM Punjab Apni Chhat Apna Ghar Scheme 21 2025, launched by Chief Minister Maryam Nawaz Sharif, is designed to help poor and middle-class families in Punjab own their homes. Through interest-free loans and fair housing distribution, the program provides secure, affordable housing to thousands of deserving families.
Achievements So Far
- 64,000 loans given in just 7 months (target 75,000 by August 2025)
- 9,000 houses completed and handed over
- 52,000 houses under construction
- Rs. 74 billion loans distributed
- 99.9% loan recovery rate showing strong repayment
- Yearly target: 150,000 homes for families across Punjab
Why This Scheme Matters
For many families, paying high rents is a burden. This scheme allows them to:
- 🏠 Own a secure home with basic amenities
- 💳 Gain respect in society through ownership
- 💡 Save for the future instead of paying rent
- 👩👩👧 Support women, minorities & workers with dedicated quotas
Who Can Apply?
The program is open to:
- Workers, daily laborers, rickshaw drivers, and small shopkeepers
- Women applicants (special quota available)
- Minority families and differently-abled persons
- Families from all districts of Punjab, not just major cities
How It Works
- Interest-free loans are provided to eligible applicants
- One-window system ensures an easy and quick application
- Computerized distribution guarantees fairness and transparency
- Homes with basic facilities such as water, electricity, schools, and parks
Quick Overview
| Detail | Status 2025 |
|---|---|
| Loans Given | 64,000 (target 75,000) |
| Houses Completed | 9,000 |
| Under Construction | 52,000 |
| Loan Amount | Rs. 74 billion |
| Recovery Rate | 99.9% |
| Annual Target | 150,000 homes |
FAQs
Q: How many loans have been provided so far?
A: 64,000 loans have been distributed.
Q: Who is eligible to apply?
A: Low-income families, women, minorities, and differently-abled persons.
Q: How many houses are ready?
A: 9,000 completed and 52,000 under construction.
Q: Is the distribution fair?
A: Yes, homes are allocated through a computerized system.
Q: Are loans being repaid?
A: Yes, with a recovery rate of 99.9%.
Conclusion
The CM Punjab Apni Chhat Apna Ghar Scheme 2025 is more than just a housing project—it is a vision for a better, more equal Punjab. By offering free homes and interest-free loans, the government is empowering families with security, dignity, and hope for the future.
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