How to get Rs1 million loan under Apni Chhat Mehfooz Chhat Scheme - complete guide

The initiative aims to make housing safer while easing financial pressure on deserving residents.

The Punjab government launched the scheme through the “Apni Chhat, Mehfooz Chhat” portal. The program was introduced by Chief Minister Maryam Nawaz following the tragic Kahna roof collapse incident that claimed the lives of several children.

Why was the scheme launched?

The housing initiative was designed to help families living in unsafe conditions. Officials say the goal is to provide secure and better living spaces for people across Punjab.

The government believes many families cannot afford costly repairs. Through interest-free financing, residents can now improve their homes without taking on additional financial burdens.

What loan amount is available?

Under the scheme, eligible applicants can receive up to Rs500,000 as an interest-free loan. This amount can be used to repair, strengthen, or secure damaged and unsafe roofs.

Families who need more space can also receive larger assistance. The government is offering up to Rs1,000,000 without interest for constructing an additional room or building a second floor.

How will the money help families?

Many households struggle to arrange funds for home improvements. The scheme provides an opportunity to upgrade homes while avoiding interest charges.

Officials say safer roofs and stronger structures can reduce risks during extreme weather and other emergencies. The program is expected to improve living conditions for thousands of families.

Monthly installments reduced

The Punjab government has also reduced the repayment burden for beneficiaries. Previously, applicants were required to pay around Rs14,000 per month.

Now, monthly installments range from Rs4,700 to Rs9,300 depending on the approved loan amount. This reduction is expected to make the scheme more accessible to lower and middle-income families.

How to apply online?

Applicants can submit their requests through the official “Apni Chhat, Mehfooz Chhat” online portal. The digital process has been introduced to make applications easier and faster.

Residents can complete the required forms and upload relevant information online. Authorities say applicants should ensure all details are accurate before submission.

Apply through government offices

People who prefer in-person assistance can visit their Deputy Commissioner office. Applications can also be submitted through local Assistant Commissioner offices.

The Punjab Housing and Town Planning Agency (PHATA) is also accepting applications. This provides multiple channels for residents seeking financial assistance.

Help and guidance for applicants

The Punjab government has established a toll-free helpline for public support. Applicants can contact the helpline to receive information about eligibility, documents, and the application process.

Officials say the support system is intended to remove confusion and make the scheme easier to access. Guidance will be available throughout the application process.

Previous housing program achievements

The government says housing support efforts have already benefited a large number of families. Under the “Apni Chhat, Apna Ghar” program, more than 173,000 interest-free loans have been distributed.

The total value of these loans has exceeded Rs224.4 billion. Authorities believe these initiatives are helping thousands of families achieve safer and more comfortable housing.

What makes this scheme important?

Housing repair costs continue to rise across Punjab. Interest-free financing gives families a chance to improve their homes without facing expensive borrowing costs.

The scheme also focuses on safety by supporting roof repairs and structural improvements. This could help prevent accidents linked to weak and damaged buildings.

The Apni Chhat Mehfooz Chhat Scheme is designed to solve two problems at the same time. It helps families improve housing conditions while reducing financial stress.

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Lower monthly installments may encourage more people to apply. If implementation remains smooth, the program could improve housing safety for thousands of households across Punjab.