The dream of owning a home is finally coming true for thousands of low-income families across Punjab, thanks to the Apni Chhat Apna Ghar Housing Loan Program launched by Chief Minister Maryam Nawaz Sharif.
This initiative, which aims to provide interest-free or low-interest housing loans, has already brought hope to nearly a hundred thousand households. The government has set an ambitious goal — to help 100,000 deserving families build their own homes by the end of October. And the good news is, they’re almost there.
Big Strides Under Maryam Nawaz’s Housing Vision
A recent high-level meeting, chaired by Secretary Housing Noorul Amin Mengal, shared encouraging updates on the program’s progress. Program Director Waleed Baig presented a detailed report, and the numbers tell a powerful story — 95,600 families across Punjab have already received financial assistance to construct their own houses.
It’s not just a statistic; it’s a sign of real change. For many of these families, this is their first chance to move from rented rooms or shared spaces into a house they can finally call their own.
Rs. 113 Billion Disbursed to Deserving Families
The Punjab government has already disbursed over Rs. 113 billion under the Apni Chhat Apna Ghar scheme. Every rupee, officials say, is being directed toward families who genuinely need support — ensuring that funds are not lost in red tape or corruption.
This massive financial push is allowing people who once thought home ownership was impossible to lay the first brick of their own future — literally on their own land, with their own hands.
Construction in Full Swing Across the Province
The results are visible on the ground. So far, around 82,931 houses are currently under construction, and 20,940 homes have already been completed. These aren’t just empty plots or promises — real walls are going up, real roofs are being built, and real families are preparing to move in.
To keep the momentum going, the second loan installment has been released to 59,510 families, helping them finish their houses without delays. It’s a strong signal that the government isn’t just launching schemes — it’s following through to the very end.
Transparency and Trust: The Core of the Program
One of the biggest challenges in public welfare programs has always been misuse of funds — but this time, the Housing Department has gone the extra mile.
Officials emphasized that all processes under the Apni Chhat Apna Ghar initiative are being handled with complete transparency. Every loan, every document, and every disbursement is being tracked and monitored. The goal is simple: make sure every rupee is used for the purpose it was meant for — building homes for people who’ve never had one before.
The entire system has been made user-friendly to ensure that deserving citizens don’t have to go through long queues or complicated paperwork. Beneficiaries can easily access information and get the help they need without unnecessary hurdles.
A Nation Celebrates, Yet Mourns
While the country takes pride in the progress of this remarkable housing initiative, there’s also a deep sense of sorrow in the air. The sudden passing of Agha Siraj Durrani, a respected political figure and long-serving public servant, has left the nation mourning.
His death is a painful reminder that true leadership is about service — and programs like Apni Chhat Apna Ghar are a reflection of that same spirit of serving the people.
A Step Toward a More Secure Future
With over 95,000 families already benefiting and thousands more set to join in, the Apni Chhat Apna Ghar program is shaping up to be one of Punjab’s most impactful social projects. It’s not just about giving people houses — it’s about giving them stability, dignity, and hope.
