The CM Punjab Apni Chhat Apna Ghar Scheme 2025 is a major housing plan in Pakistan. It is led by Chief Minister Maryam Nawaz Sharif. The program offers low-cost, interest-free housing loans. Its goal is to provide affordable homes to people in Punjab. This scheme helps make home ownership a reality for many families.
Key Achievements of the Scheme
The program has already reached some major milestones. Over 64,000 interest-free loans have been given out in just seven months. The goal is to reach 75,000 loans by the end of August 2025. This shows how successful the program has been so far. CM Maryam Nawaz said this scheme is a model for Pakistan and even other countries. It ensures that everyone has the right to a decent home.
Record-Breaking Expansion
On August 7, 2025, the Punjab government started an expanded phase of the scheme. The new goal is to provide 150,000 homes annually. This is a new record for housing in the province. This expansion will allow even more families to get a home.
Impact on the Ground
The scheme has already helped thousands of families. Over 50,000 families have benefited in just six months. Of these, 9,000 homes are fully built. Another 52,000 homes are being built. The program has given out about Rs. 74 billion in loans. It also has a very high 99.9% loan recovery rate. This shows that the program is strong and sustainable.
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Highlights of the Scheme
The program has a wide reach. It gives loans in all districts of Punjab. The first phase focuses on 19 districts. It includes 2,000 plots under PHATA. The scheme helps specific groups. It prioritizes laborers, rickshaw drivers, and small traders. It also focuses on women and marginalized people. The high loan recovery rate shows the program’s good financial management.
Why the Scheme is Important
This program has a huge impact. Giving out 64,000 loans in seven months is a big achievement. It gives thousands of families access to affordable housing. It also has positive effects on the economy and society. The scheme helps create new jobs. It improves living standards. The program is well-managed by PHATA. This ensures smooth execution and delivery.
Summary of the Scheme
How many loans have been given out? 64,000 loans have been given out. The goal is 75,000 by the end of August 2025.
How does the selection process work? The process is automated and based on merit. This makes it fair and transparent.
Are there any special quotas? Yes, there are special quotas for women, disabled people, and minorities.
How many homes are completed? 9,000 homes are fully completed. Another 52,000 are being built.
What is the loan recovery rate? The recovery rate is an impressive 99.9%.
Conclusion
The CM Punjab Apni Chhat Apna Ghar Scheme 2025 is a great example of good governance. It shows real change on the ground. The program provides homes and dignity. It helps people achieve their dream of homeownership. This initiative is not just about building homes. It is about empowering people, creating jobs, and ensuring that everyone is included.
