Apni Chhat Apna Ghar Program
The “Apni Chhat Apna Ghar” program launched by the government has created a new ray of hope for the deserving and poor families across the country. Under this program, low-interest or interest-free loans are being provided to individuals and families who are trying to turn the dream of building a personal home into a reality. The recent performance report indicates that this program is not only active but is also touching new heights of success day by day.
Outstanding performance in August
According to the August 2025 performance report of the “Apni Chhat Apna Ghar” program, loans were provided to 20,931 deserving families in just one month. Out of these, 11,839 families were given loans for the construction of houses, which is a new record in the history of this program. In addition, the construction of 3,472 new houses was completed in the month of August, which is a testament to the rapid progress of this program.
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Disbursement of Second Instalment
Timely provision of funds is very important during the construction of houses. In this context, the second installment of loans was released to 9,092 families to complete the construction of houses, which ensured continuity in the construction process. This process not only provided financial security to these families but also made their dream home a reality.
Loan repayment and expression of confidence
The program did not only focus on the distribution of loans but also paid special attention to the recovery of these loans. In the month of August 2025, Rs. 475.4 million was recovered, which is proof that the beneficiaries have full confidence in this program and are fulfilling their financial obligations well. A total of Rs. 1.38 billion has been recovered since the inception of the program.
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Overall Progress and Impact
So far, 73,743 families have been provided loans under this program, while the value of loans disbursed has reached Rs. 87.02 billion. This is a major milestone, which is a testament to the government’s commitment, institutional transparency, and public trust.
So far, 63,851 houses are under construction under the program, while 11,655 houses have been completed across the province. This means that thousands of families are now living a prosperous life in their own homes, out of tenancy.
A step towards poverty reduction and economic improvement
The “Apni Chhat Apna Ghar” program is not only providing people with a roof but is also playing an important role in poverty alleviation and economic improvement. When a family builds its own house, other related sectors such as the construction industry, labor, furniture, electricity, plumbing, and other related services are also strengthened. In this way, the program is creating an economic chain reaction, which is strengthening the country’s economy from the grassroots level.
International recognition
The “Apni Chhat Apna Ghar” program is being appreciated not only at the national but also at the international level. The United Nations and other international organizations are looking at such initiatives as a model for eradicating poverty and homelessness in developing countries.
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Future strategy
The government intends to further expand the scope of this program in the coming years. More and more districts and rural areas will be included in it, so that no family is deprived of the basic right — “Apni Chhat”. In addition, digital platforms and mobile applications are being introduced to make the process of loan approval and repayment more convenient.
Frequently Asked Questions – Apni Chhat Apna Ghar Program
Question 1: What is Apni Chhat Apna Ghar Program?
Answer: It is a government welfare program aimed at providing loans on easy terms to deserving and low-income families to build their own homes.
Question 2: Who can benefit from this program?
Answer: Individuals or families who do not have their own home and belong to the low or middle-income group can benefit from this program.
Question 3: What are the conditions for obtaining a loan?
Answer:
- Pakistani citizenship
- Not having their own home
- Valid identity documents
- Proof of stable income (salary or business)
- Legal ownership or lease document of land
Question 4: How much can the loan amount be?
Answer: The loan amount depends on the financial condition of the applicant and the cost of construction of the house, which can usually range from a few lakhs to millions of rupees.
Question 5: What is the repayment method of the loan?
Answer: The loan is repaid in installments on easy terms, the term of which can usually be from 5 to 20 years, and sometimes at no interest or low interest rates.
Question 6: How long does it take to approve the loan?
Answer: If all the documents are complete, the loan is usually approved, and the first installment is released within 30 to 60 days.
Question 7: Is this program available only in cities?
Answer: No, this program is available to people from both rural and urban areas.
Question 8: How to apply?
Answer: The application can be made through local district offices, specific banks, or through the government-designated website/app. Online application forms may also be available.
Question 9: Can a loan be taken on an already under-construction house?
Answer: Yes, if the construction is not completed and the ownership of the land is proven, the loan can be taken.
Question 10: How many people have benefited from this program so far?
Answer: So far, loans have been provided to more than 73,000 families, and more than 11,000 houses have been completed.
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conclusion
The “Apni Chhat Apna Ghar” program is a practical expression of the revolutionary policies of the government. This program is not just a loan provision scheme but a fulfillment of the dreams of millions of people. When a family gets a roof, its life is secured, happy, and stable, which are the basic pillars for the development of any society.
The continuous success of this program is proof that if a plan is made with determination, honesty, and good intentions, it not only succeeds but also makes a place in the hearts of the people.