Apni Chhat Apna Ghar Plot Rules and Land Papers
Apni Chhat Apna Ghar needs a plot already in your name: up to 5 marla in an urban area or up to 10 marla in a rural area, with a registry, fard or allotment letter you can produce and physical possession you can show. Land that is disputed, jointly held without clarity, or still in a parent's or seller's name will stop the application before anything else is checked.
Size limits
| Location | Maximum plot | Roughly |
|---|---|---|
| Urban | 5 marla | About 1,125 sq ft |
| Rural | 10 marla | About 2,250 sq ft |
A marla is commonly taken as 225 sq ft in Punjab, though local measures vary. The record of rights, not a tape measure, decides your case.
The papers that prove ownership
- Registry: the registered sale deed, usual for urban plots.
- Fard: the record of rights from the land record authority, usual for rural land.
- Allotment letter: for plots allotted by a development authority or a government scheme.
- Proof of possession: that you actually hold the plot, not just a paper claim.
- Mutation record: where land was inherited or transferred, showing the change into your name.
Apni Chhat Apna Ghar finances construction on land the applicant already owns, so ownership is verified against provincial land records before a loan is approved. A registry, fard or allotment letter in the applicant's own name, together with physical possession of the plot, is the basic requirement, and land still recorded against a previous owner has to be transferred first.
Situations that need sorting out first
| Situation | Why it blocks | What to do |
|---|---|---|
| Plot still in a late parent's name | Record does not show you as owner | Complete inheritance mutation at the revenue office |
| Bought on a file or open transfer | No registered transfer | Register the transfer before applying |
| Shared with siblings | Ownership share unclear | Partition or document your share clearly |
| Plot in an unapproved scheme | Records may not support verification | Check the scheme's approval status with the development authority |
| Litigated land | Cannot be verified while disputed | Resolve the case first |
| Over the size limit | Outside programme rules | The scheme is not available for that plot |
Checking your land record before you apply
Punjab's land records are computerised, and a fard can be obtained from an Arazi Record Centre or the land record authority's service. Getting the record in hand first saves a rejected application: you see the name, the share and the plot size exactly as the verifier will see them.
Building on the plot
The loan pays out against construction progress, so plan the stages before the first tranche. Keep the approved layout, receipts and photographs for each stage, since verification of one stage releases the next. Details on the money side: instalments and repayment.
If you have no plot
Punjab separately allots small plots to low-income families, and allottees can then apply here for the construction loan. To buy a ready house or flat instead, see the federal Apna Ghar property rules, which finance purchase rather than construction on land you own.
Common questions
Does commercial or agricultural land count?
No. The plot must be residential land you will live on.
Can I apply for a plot in another district?
The plot must be in Punjab and you must be a Punjab resident; apply with the district where the plot is recorded.
Is a stamped agreement to sell enough?
No. Ownership must be recorded in your name.
Check the full eligibility rules, or return to the Apni Chhat Apna Ghar guide.
Sources. Official: acag.punjab.gov.pk. News: Dawn, 22 Aug 2024 (1-5 marla urban, 1-10 marla rural); Dawn, 6 Nov 2024 (plot and income verification).
SchemesPK is an independent guide and is not affiliated with the Government of Punjab, PHATA or the Punjab Land Records Authority.