Punjab Launches Apni Chhat Apna Ghar Scheme 2026 Phase 2 – Affordable Housing for Low-Income Families

The Government of Punjab has officially launched Apni Chhat Apna Ghar Scheme 2026 – Phase 2, a major low-cost housing project aimed at supporting low-income and lower-middle-income families who dream of owning a home. The new phase focuses on providing affordable residential units, easy installment plans, and transparent eligibility criteria to ensure maximum access for deserving households.

Overview of Apni Chhat Apna Ghar Scheme Phase 2

Phase 2 of the scheme expands the project to more districts, introduces new plot sizes, and offers improved financing options. The housing units are being developed with basic facilities, reliable infrastructure, and proper urban planning to create sustainable communities.

Key entities involved include:

• Punjab Housing & Town Planning Agency (PHATA)
• Punjab Government
• Local Development Authorities

Eligibility Criteria for Phase 2

To maintain transparency, the scheme follows strict eligibility rules:

Who Can Apply?

• Permanent residents of Punjab
• Individuals with low or lower-middle income
• Families not owning any residential property
• CNIC holders with verified family details

Not Eligible

• Applicants owning a home anywhere in Pakistan
• Individuals receiving housing assistance from another government scheme

Application Process – Step-by-Step

1. Online Registration

Visit the official PHATA portal and submit:

• CNIC
• Mobile number
• Monthly income details

2. Document Verification

Authorities verify household information through NADRA and the Punjab database.

3. Category Selection

Applicants can choose:

• 3-Marla Units
• 5-Marla Units
• Apartment Units (in selected cities)

4. Allotment Procedure

Applicants selected through a transparent balloting process.

Apni Chhat Apna Ghar Scheme 2026 Phase 2

Category	Plot/Unit Size	Monthly Installments	Total Payment	Target Beneficiaries
Economy Unit	3 Marla	Affordable monthly plan	Govt-subsidized	Low-income families
Standard Unit	5 Marla	Easy financing option	Regular rate	Lower-middle families
Apartment	2 Bed	Low monthly cost	Subsidized	Urban applicants

Cities Included in Phase 2

• Lahore
• Faisalabad
• Rawalpindi
• Multan
• Sialkot
• Gujranwala
• Bahawalpur

More districts may be added depending on land availability and development timelines.

Benefits of Phase 2

Affordable Housing

Subsidized prices make it easier for low-income families to own a home.

Easy Installments

Long-term payment plans reduce financial burden.

Modern Community Facilities

Parks, schools, roads, clean water, and proper sewerage systems included.

Economic Boost

Construction activity supports local industries and labor.

Important Documents Required

• Original CNIC
• Family Registration Certificate (FRC)
• Income proof
• Utility bill copy
• Passport-size photos

Expected Timeline

• Registration Window: To be announced by Punjab government
• Verification Period: 30–45 days
• Balloting: After verification completion
• Possession: Based on development status in each district

Why Phase 2 Matters for Punjab

Housing affordability remains one of Punjab’s biggest challenges. By expanding this scheme, the government aims to uplift thousands of families, improve living standards, and reduce housing inequality. The model is built on sustainability, transparency, and accessibility, making it one of the province’s most impactful social welfare initiatives for 2026.

Conclusion

The CM Punjab Apni Chhat Apna Ghar Scheme 2026 Phase 2 is a promising opportunity for families who have long waited for stable and affordable housing. With clear eligibility criteria, subsidized units, and a simplified application process, this phase is expected to benefit thousands across Punjab. Applicants are advised to stay updated with official announcements for registration deadlines and balloting dates.