The Punjab government has announced a major expansion of its flagship housing program “Apni Chhat, Apna Ghar” to include joint families, aiming to construct 160,000 homes across the province by June 2026.

Chief Minister Punjab, Maryam Nawaz, unveiled the initiative, calling it a revolutionary package designed to preserve the centuries-old joint family system while promoting social harmony and development. Under the program, joint families will receive interest-free loans in easy installments to expand or build their homes.

For citizens without land, the government will allocate plots and provide interest-free loans to construct houses under the “Apni Zameen, Apna Ghar” scheme. So far, 1,534 plots have been approved, with the first phase including 194 plots in Jhelum, 129 in Kasur, 84 in Faisalabad, and 59 in Lodhran, which will be distributed via lottery. The Chief Minister has instructed authorities to expedite the lottery process.

Also Read: Govt announces salary hikes and energy relief

A special briefing revealed that “Apni Chhat, Apna Ghar” currently has over 1.88 million registered users, with 10.66 million applicants. To date, 67,197 homes have been completed, and 53,843 are under construction. Historic loans worth PKR 164.66 billion have been disbursed with a recovery rate of 99 percent.

Maryam Nawaz also directed prompt disbursement of second installment payments, policy formulation for beneficiaries in case of a user’s death, and an increase in program funds. Housing Secretary and DG PHATA provided detailed updates during a high-level meeting chaired by the Chief Minister.

The expanded program is expected to strengthen the joint family system, provide affordable housing, and further social and economic development in Punjab.