Schemes PK

Apni Chhat Apna Ghar vs Apna Ghar Program

Apni Chhat Apna Ghar is a Punjab scheme giving up to Rs1.5 million interest-free to build on a plot you already own; the federal Apna Ghar Program lends up to Rs10 million at 5% for 10 years to buy or build a home anywhere in Pakistan. The Punjab scheme is cheaper but smaller and needs land; the federal one is larger, open nationwide, and costs markup.

Written by Aadil Shezad · Updated 15 Oct 2026

Side by side

The federal Apna Ghar Program and Punjab's Apni Chhat Apna Ghar compared Two columns drawn to the same scale. The federal Apna Ghar Program lends up to Rs10 million at 5 per cent markup for the first 10 years, over a term of up to 20 years, to buy or build a first home; the borrower puts in 10 per cent equity, about Rs1.1 million on a Rs11.1 million house, and pays Rs65,996 a month at the top of the range, with the house limited to 10 marla or a flat to 1,500 square feet. Punjab's Apni Chhat Apna Ghar lends up to Rs1.5 million with no markup over seven years after a three month grace period, to build on a plot the applicant already owns, at about Rs14,000 a month, released in tranches as construction progresses. Two housing schemes, two different problems Bar lengths are the maximum loan, drawn to the same scale. Apna Ghar Program Federal, nationwide Rs10,000,000 Markup 5% for the first 10 years Term Up to 20 years What it funds Buying or building a first home Your own money 10% equity, about Rs1.1m on a Rs11.1m house Monthly at the top Rs65,996 over 20 years Property limit House up to 10 marla, flat up to 1,500 sq ft A bank lends; the state pays part of the markup. Apni Chhat Apna Ghar Punjab only Rs1,500,000 Markup None Term Seven years, after three months' grace What it funds Building on a plot you already own Your own money The plot, and the finishing the loan runs out before Monthly at the top About Rs14,000 Property limit Plot within the programme's size limits Released in tranches as the house goes up.
The two housing schemes drawn to the same scale. Monthly figures are SchemesPK calculations at each scheme's maximum loan.
Apni Chhat Apna Ghar (Punjab)Apna Ghar Program (federal)
Who runs itGovernment of Punjab, through PHATAFederal government, through banks
MaximumRs1.5 millionRs10 million
MarkupNone5% for 10 years, then KIBOR + 3%
Term9 years, including three months' graceUp to 20 years
MonthlyUp to about Rs14,000About Rs66,000 on a Rs10m, 20-year loan
What it fundsConstruction on your own plotBuying a house or flat, buying a plot and building, or building on your own plot
Property limit5 marla urban, 10 marla rural plotHouse up to 10 marla, flat up to 1,500 sq ft
Who qualifiesPunjab residents, head of family, PMT score 60 or below, plot owner, no built housePakistani CNIC holders, first-time home owners, income assessed by the bank
Equity neededNone stated; the loan funds construction10% of the property value
Where to applyacag.punjab.gov.pkapnaghar.gov.pk

What Rs1.5 million costs under each

Borrowing Rs1.5 million under Apni Chhat Apna Ghar costs Rs1.5 million to repay, because the Punjab scheme charges no markup. The same amount under the federal Apna Ghar Program at 5% over seven years would cost roughly Rs21,200 a month and about Rs281,000 in markup across the term. The federal scheme, however, lends up to Rs10 million and finances purchase as well as construction.

Which one fits your situation

Your positionBetter fit
You own a small plot in Punjab and earn littleApni Chhat Apna Ghar
You own no land and want to buy a house or flatApna Ghar Program
You live outside PunjabApna Ghar Program
Your PMT score is above 60Apna Ghar Program
You need more than Rs1.5 million to finish the houseApna Ghar Program, or Punjab first and savings after
You want the lowest possible cost and qualify for bothApni Chhat Apna Ghar

Can you use both?

Neither programme publishes a rule naming the other, but both are first-home schemes: the federal programme requires you not to own a house and not to have taken a subsidised government housing loan before, and the Punjab scheme requires you not to own a built house. In practice, completing a house under the Punjab scheme makes you a home owner and therefore ineligible for the federal one. Treat them as alternatives, and ask the bank before assuming otherwise.

Different kinds of risk

  • Punjab: your money risk is low, since there is no markup, but selection runs through balloting and the poverty score, so eligibility is uncertain.
  • Federal: selection is a bank credit decision rather than a ballot, but the rate resets after year 10 to KIBOR + 3%, which can raise the instalment sharply.
  • Both: disbursement for construction comes in tranches tied to verified progress, so neither gives you the full amount up front.

Common questions

Is the Punjab scheme only for Punjab residents?

Yes, and the plot must be in Punjab.

Which approves faster?

No published comparison. The federal route depends on your bank, with approvals reported in weeks to a couple of months; the Punjab route depends on verification and balloting rounds.

Does either charge an application fee?

No. Both are free to apply for.

Read the full guides: Apni Chhat Apna Ghar and Apna Ghar Program. Compare the federal scheme with its own predecessor in Apna Ghar vs Mera Pakistan Mera Ghar.

Sources. Official: Bank of Punjab facility offer letter (Punjab scheme tenure); State Bank of Pakistan, Circular Letter 01 of 2026 (federal scheme terms). News: Dawn, 22 Aug 2024 (Punjab scheme terms); Business Recorder, 2 Oct 2024.

SchemesPK is an independent guide and is not affiliated with the Government of Punjab, PHATA or the Government of Pakistan.