CM Maryam Nawaz Apna Ghar Mehfooz Ghar Scheme 2026: Apply Online

Apna Ghar Mehfooz Ghar Scheme 2026: Complete Guide

In a historic move for the residents of Punjab, Chief Minister Maryam Nawaz has expanded the housing initiatives with the launch of the Apna Ghar, Mehfooz Ghar scheme in 2026. This scheme is specifically designed for low-income families who already own a small piece of land or an old house but lack the financial resources to repair it or expand it for their growing families.

What is Apna Ghar, Mehfooz Ghar Scheme?

Unlike previous schemes that only focused on buying new homes, this 2026 initiative provides direct financial assistance (interest-free loans) for house maintenance and expansion. The government has divided the financial support into two main categories:

• Roof Repair Loan (Rs. 500,000): For families living in structurally weak or old houses, the government is providing 5 Lakh rupees to repair roofs and walls to prevent accidents during monsoons.
• New Storey Construction (Rs. 1,000,000): For growing families living in small spaces, a 10 Lakh rupee interest-free loan is available to construct an additional floor or room.

Eligibility Criteria

To qualify for the Apna Ghar Mehfooz Ghar scheme, applicants must meet the following criteria:

• Must be a permanent resident of Punjab holding a valid CNIC.
• Monthly household income must not exceed Rs. 60,000.
• Must own a house/plot measuring 5 Marlas or less in urban areas, or 10 Marlas in rural areas.
• The applicant must not have defaulted on any previous bank loan.

How to Apply Online (Step-by-Step)

The application process has been digitized to ensure transparency and ease of access. Follow these steps:

1. Visit the official Punjab Housing and Town Planning Agency (PHATA) portal or the dedicated Apni Chhat Apna Ghar web portal.
2. Register an account using your CNIC and mobile number.
3. Select the "Apna Ghar, Mehfooz Ghar" category from the dashboard.
4. Fill out the application form with your property details and income proof.
5. Upload pictures of the house needing repair (if applying for the 5 Lakh loan).
6. Submit the application. A survey team will visit your location for verification within 15 days.

Repayment Plan

The best part of this scheme is that it is 100% interest-free (Riba-free). The loans are highly subsidized by the Punjab Government. Borrowers will have to repay the amount in easy monthly installments over a period of 5 to 7 years, making it highly affordable for daily wagers and the salaried class.

Frequently Asked Questions (FAQs)