The Punjab government has significantly expanded its flagship housing initiative, Apni Chhat, Apna Ghar. This strategic move now includes joint families, enabling them to access interest-free loans for expanding their existing homes. Consequently, this expansion of the Punjab housing scheme aims to strengthen traditional family systems while improving living conditions across the province.
Expanding Opportunities: The Punjab Housing Scheme
Under the revised policy, joint families can secure easy-installment loans to add more living space. This strategic initiative directly supports the traditional joint family system. Furthermore, it significantly improves housing conditions throughout Punjab.
Chief Minister Maryam Nawaz Sharif hailed this initiative as a “golden gift” for the people of Punjab. She reiterated the government’s commitment to fostering social harmony and accelerating housing development. Therefore, supporting joint families will help preserve shared living arrangements, simultaneously meeting rising housing demands.
Key Initiatives and Progress in Housing Development
The provincial government has set an ambitious target: to construct 160,000 houses by June 2026. Moreover, families without land are not left out. They will receive plots and interest-free loans under the Apni Zameen, Apna Ghar scheme. In the initial phase, 1,534 plots will be allocated via a lottery in Jhelum, Kasur, Faisalabad, and Lodhran. This marks a crucial step in broader housing development across the region.
Officials report that over 1.88 million users have registered for the comprehensive housing program. Currently, more than 1.06 million applications are under review, demonstrating immense public interest. Therefore, the scheme clearly addresses a widespread need for affordable housing.
Financial Impact and Future Directives for Housing Loans
To date, 67,197 houses have reached completion, while 53,843 units are actively under construction. Total loan disbursements have impressively reached Rs164.66 billion, maintaining an outstanding 99 percent recovery rate. This robust financial performance underscores the scheme’s sustainability and success.
The chief minister has also issued directives to accelerate the release of installments and enhance overall funding. Crucially, she urged authorities to formulate policies ensuring continued support for families, even if a primary applicant passes away. This demonstrates a strong commitment to long-term family security and welfare.
Officials affirm that this expansion represents a significant step. It directly addresses Punjab’s housing shortage, aligning government support with vital social and cultural values. Consequently, the Punjab housing scheme is poised to make a lasting, positive impact on countless lives.
