In a significant policy expansion, Chief Minister Punjab Maryam Nawaz Sharif has approved the inclusion of joint family households in the Apni Chhat Apna Ghar project, authorizing interest-free loans for home expansion to accommodate multi-generational living arrangements. This decision recognizes the prevalent social structure in the region and aims to improve living conditions without displacing family units.
The government has set an ambitious target of constructing 160,000 houses by June 2026. Simultaneously, the Apni Zameen Apna Ghar scheme will allot 1,534 plots through a transparent balloting process. The first phase of this allotment will distribute plots in four districts: 194 in Jhelum, 129 in Kasur, 84 in Faisalabad, and 59 in Lodhran.
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These directives were issued during a special meeting chaired by the Chief Minister to review both housing initiatives. Officials from the Punjab Housing and Town Planning Agency (PHATA) reported substantial public interest, with over 1.88 million registrations and more than 1.06 million formal applications received for the Apni Chhat Apna Ghar project alone. The Chief Minister emphasized the need for expedited balloting and enhanced funding to meet the growing demand and achieve the construction targets.
Frequently Asked Questions
What is the new benefit for joint families?
Joint families are now eligible for interest-free loans under the Apni Chhat Apna Ghar project specifically for expanding their existing homes to better accommodate multiple families.
How will the plots be allotted under Apni Zameen Apna Ghar?
Plots will be allotted through a computerized, transparent balloting (lottery) system. The first phase includes plots in Jhelum, Kasur, Faisalabad, and Lodhran.
What is the overall housing construction target?
The government aims to complete the construction of 160,000 houses by June 2026.
How can one apply for these schemes?
Eligible citizens must register and apply through the official channels established by the Punjab Housing and Town Planning Agency (PHATA).
What has been the public response?
Public interest is very high. For the Apni Chhat Apna Ghar project, there have been 1,880,081 registrations and 1,066,559 formal applications submitted.









