Punjab Government to Distribute 3 Marla Plots and Interest Free Loans to Low Income Families

The Punjab government has launched a groundbreaking initiative to address the housing crisis in the province and has decided to distribute 3 marla plots and interest free loans for house construction to deserving families under the “Apni Chhat Apna Ghar” program. This ambitious scheme, approved by Punjab Chief Minister Maryam Nawaz Sharif, aims to make homeownership accessible to thousands of low-income residents across urban and rural areas.
پنجاب حکومت نے کم آمدنی والے خاندانوں کے لیے “اپنی چھت اپنا گھر” منصوبے کے تحت پنجاب گورنمنٹ 3 مرلہ پلاٹ سکیم اور سود سے پاک قرضوں کی فراہمی کا آغاز کیا ہے۔ اس منصوبے کا مقصد ضرورت مند افراد کو مناسب قیمت پر گھر فراہم کرنا اور ان کی زندگی کے معیار کو بہتر بنانا ہے۔ ابتدائی مرحلے میں چشتیاں میں 666 پلاٹس تقسیم کیے جائیں گے، جبکہ دیہی اور شہری علاقوں کے لیے قرضوں کی حد 10 اور 5 مرلے تک ہوگی۔ حکومت چار منزلہ فلیٹس بھی تعمیر کرے گی جو قرعہ اندازی کے ذریعے دیے جائیں گے، اور نجی ہاؤسنگ اسکیموں کو بھی سبسڈی دی جائے گی۔
Key Points of the Housing Scheme for Low Income Families
اس پروگرام کے تحت 500,000 سے زائد درخواستیں وصول ہو چکی ہیں، جن میں سے 325,000 کی پروسیسنگ مکمل کر لی گئی ہے۔ پہلے مرحلے میں 927 درخواست گزاروں کو قرضوں کی پہلی قسط دی گئی، اور پانچ مکانات مکمل کر کے ضروری سامان کے ساتھ فراہم کیے گئے ہیں۔ حکومت نے رواں مالی سال کے اختتام جون 2025 تک 47,000 مکانات تعمیر کرنے اورسال کے اختتام دسمبر 2025 تک 100,000 کا ہدف مکمل کرنے کا عزم کیا ہے۔ یہ منصوبہ پاکستان کی تاریخ میں پہلا بڑا سود سے پاک ہاؤسنگ پروگرام ہے جو لاکھوں خاندانوں کی زندگی بدلنے کی صلاحیت رکھتا ہے۔
Key Highlights of the Housing Scheme for Low Income Families

The initiative includes the allocation of 3 marla plots in rural areas, starting with 666 plots in Chistian. These plots will be distributed to eligible applicants in the initial phase. The program also offers loans of up to PKR 1.5 million, repayable in easy monthly installments of PKR 14,000. The Punjab Govt 3 Marla Plot scheme will soon be available to all districts of the province.
For rural areas, loans are available for constructing homes up to 10 marlas, while in urban areas, the loans cover houses up to 5 marlas. In major cities, the government plans to construct four-story flats on government land, which will be allocated through a lottery system and provided on affordable installments. Private housing schemes are also offering homes ranging from three to five marlas, with the government providing subsidies of up to PKR 1 million per house.
Progress and Future Plans of Low Income Housing Scheme
Significant progress has already been made under the “Apni Chhat, Apna Ghar” program. The first installment of loans has been disbursed to over 927 applicants, and five homes have been completed and furnished with essential items as part of the project.
Additionally, over 500,000 applications have been received through the program’s online portal, with 325,000 applications processed and 38,000 confirmed. This overwhelming response highlights the program’s potential to transform lives and address the housing shortage in Punjab.
As of today, the Punjab government has distributed cheques to eligible families to help them construct their homes. Officials have set an ambitious target of constructing 47,000 houses by the end of June 2025, with plans to build 100,000 homes by December 2025 next year.
A Vision for Affordable Houses for Low Income Families
During a meeting to review the progress of the program, Chief Minister Maryam Nawaz Sharif emphasized the government’s commitment to fulfilling the vision of PML-N President Nawaz Sharif. She reiterated that the initiative is the first major interest free housing project in Pakistan’s history and aims to empower low-income families by providing them with secure and affordable housing.
The project will not only improve living conditions for thousands of families but also contribute to economic growth by creating job opportunities in the real estate and construction sector.
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Conclusion
The “Apni Chhat Apna Ghar” program is a landmark initiative that reflects the Punjab government’s dedication to addressing the housing needs of its residents. By providing affordable plots, interest free loans, and subsidized housing options, the government is taking a significant step toward alleviating poverty and improving living standards in the province. With its ambitious goals and robust implementation, this program has the potential to serve as a model for housing development across Pakistan.
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