Punjab Expands Apni Chhat Apna Ghar for Joint Families 2026. Punjab has taken a big step to support joint families in 2026.
The Apni Chhat Apna Ghar program now allows large families to expand their homes with interest-free loans.
This update helps families stay together and improve living space without buying new land.
Punjab’s Housing Policy Shift in 2026
The Punjab government has officially expanded its housing vision. This decision was announced under the leadership of Maryam Nawaz Sharif.
The focus is clear. Protect family values. Reduce housing pressure Support low-income households.
Joint families are a strong part of Punjabi culture. Many families live together under one roof for generations. Earlier rules did not fully support this structure. Now, the policy matches real life needs.
What Is Apni Chhat Apna Ghar Program
Apni Chhat Apna Ghar is a Punjab government housing scheme.
Its goal is simple.
Help people build or improve homes without interest.
This program offers Qarz-e-Hasna, which means zero interest loans.
Families pay only the original amount.
No bank markup.
No hidden charges.
In 2026, the scope has become wider and more flexible.
New Eligibility for Joint Families
Earlier, shared homes created problems in applications.
If a house had multiple owners, many people were rejected.
Now this has changed.
Who Can Apply in 2026
Joint families can apply if:
- The family lives together in one house
- The property is shared among relatives
- The house needs extra rooms or floors
- The family meets income criteria
This update supports families that do not want to separate.
Home Expansion Loans Explained
The biggest change is home expansion support.
What You Can Build
- Extra bedrooms
- Additional floor
- Small living space for married children
- Improved structure for safety
Shared kitchens and courtyards are allowed.
The goal is better living, not relocation.
Updated Loan Limits and Repayment Plan
Punjab has increased the loan amount in 2026.
This helps families complete construction without stress.
Loan Details Table (2026)
| Feature | Details |
|---|---|
| Maximum Loan | Up to Rs. 1.5 Million |
| Interest Rate | 0% (Interest-Free) |
| Monthly Installment | Around Rs. 14,000 |
| Loan Tenure | 7 Years |
| Grace Period | 3 Months |
This structure is friendly for low-income families.
Payments are fixed and predictable.
Why This Policy Matters for Punjab
This update is not only about houses.
It is about society.
Key Benefits
- Keeps families together
- Reduces urban overcrowding
- Supports cultural values
- Improves living standards
- Lowers housing stress
Many families cannot afford new plots.
Expansion is cheaper and smarter.
Housing Targets and Current Progress
Punjab has set strong goals for 2026.
The government wants fast and fair delivery.
Housing Progress Snapshot
- Total Target: 160,000 houses by June 2026
- Completed Homes: 67,197
- Under Construction: 53,843
- Loan Recovery Rate: 99%
This shows public trust and strong management.
Apni Zameen Apna Ghar for Landless Families
Not everyone owns land.
Punjab has also planned for them.
What This Scheme Offers
- Free 3-Marla residential plots
- Interest-free construction loans
- Same easy repayment plan
First Phase Districts
- Jhelum
- Kasur
- Faisalabad
- Lodhran
Balloting has already started in these areas.
Online Application Process Explained
The application process is fully online.
It is simple and transparent.
Step-by-Step Guide
- Visit acag.punjab.gov.pk
- Enter your 13-digit CNIC
- Register or log in
- Select Home Expansion / Joint Family option
- Submit required details
- Wait for balloting result
Results are announced district-wise.
Verification and Safety Alerts
Punjab has warned applicants to stay alert.
Important Safety Tips
- SMS alerts come only from 8070 or PunjabGovt
- Do not share OTP
- No processing fee is required
- Avoid private agents
Always use the official portal.
FAQs
Can joint families apply for Apni Chhat Apna Ghar in 2026
Yes. Joint families are now officially eligible for home expansion loans.
Is the loan completely interest-free
Yes. It is Qarz-e-Hasna with zero interest.
What is the maximum loan amount
Families can get up to Rs. 1.5 million.
How long is the repayment period
The repayment period is 7 years with a 3-month grace period.
Is online application mandatory
Yes. Applications are accepted only through the official portal.
Conclusion
Punjab’s expansion of Apni Chhat Apna Ghar in 2026 is a strong move.
It supports joint families, protects culture, and solves real housing problems.
