The Government of Pakistan has also made the process of registering its Apni Chhat Apna Ghar housing scheme very easy such that citizens can easily do it online at the comfort of their homes. This project will offer cheap housing and readily available loans to the low and middle-income households nationwide. The following is a stepwise explanation of the registration process and what should be known by the applicants prior to the application process.
Visit the Official Portal of Apni Chhat Apna Ghar Scheme
The first step that an applicant can take is to visit the official site Apni Chhat Apna Ghar or the online registration portal of the Housing Department. The government has presented this electronic platform so as to have an easy, transparent, and paperless procedure.
Create an Account on Apni Chhat Apna Ghar” Scheme Portal
After visiting the site, the applicants are required to open an account with their CNIC (Computerized National Identity Card) number, mobile number, and email address. Once registered, a code will be sent in order to verify the information of the applicant.
Fill Out the Application Form for Apni Chhat Apna Ghar Scheme
After verification, the applicant must complete the online application form. The form will ask for:
- Personal information (name, CNIC, contact details)
- Family and income details
- Employment status
- Current housing situation
- Preferred city or location for the new home
Upload Required Documents for Apni Chhat Apna Ghar Scheme
Applicants will need to upload scanned copies of essential documents such as:
- CNIC (self and spouse, if applicable)
- Proof of income or employment letter
- Utility bills or rent agreement (for address verification)
- Bank statement or salary slip (for loan assessment)
Submit the Application for Apni Chhat Apna Ghar” Scheme
After filling out all details and uploading documents, applicants can review and submit their application. A confirmation message or email will be sent once the registration is successfully completed.
Loan Assessment and Approval for Apni Chhat Apna Ghar Scheme
Once submitted, the Housing Department will review the application and verify all information. If approved, the applicant will receive details about the loan amount, repayment terms, and next steps.
Apni Chhat Apna Ghar Scheme Highlights
According to official data, the program has already helped thousands of families:
- 30,600 houses completed
- Over 105,700 families received housing loans
- 69,200 families got their second loan installment
The scheme also offers repayment incentives, families who repay their loans within 1 to 3 years get a 20% discount, and those who repay within 4 to 6 years receive a 10% discount.
