Apni Chhat Apna Ghar 2027: UN Award, Rs260 Billion Loans and 500,000 Homes Target

Punjab’s flagship housing program has just received the highest international honour a housing project can get. Apni Chhat Apna Ghar has been selected for the United Nations Scroll of Honour Award, placing it among the top five housing programs in the entire world.

The award recognizes a program that has already disbursed Rs260 billion in interest free housing loans and helped more than 200,000 families build their own homes. With a 2027 target of expanding even further, here is everything you need to know about the program’s new status, new benefits and how to apply.

Apni Chhat Apna Ghar 2027 Overview

Apni Chhat Apna Ghar is the Punjab Government’s interest free housing finance program for low income families. It is also Pakistan’s largest and first fully digital housing finance scheme, which means applications, verification and disbursement all happen online without middlemen. The United Nations Human Settlements Programme selected it after a competitive global review of housing projects from around the world.

Detail	Latest Update
International award	UN Habitat Scroll of Honour Award 2026
Award ceremony	October 5, 2026 in Muscat, Oman on World Habitat Day
Total loans disbursed	Rs. 260 billion
Houses financed	More than 200,000
Families moved into new homes	Around 125,000
Phase 1 disbursement	Rs. 196 billion for 134,439 houses
Phase 2 disbursement	Rs. 62 billion for 65,000 houses
Five year target	500,000 houses

UN Scroll of Honour Award for Apni Chhat Apna Ghar

The official notification was issued on September 14, 2026, signed by United Nations Under Secretary General and UN Habitat Executive Director Anacláudia Marinheiro Centeno Rossbach. Only five programs from around the world receive this award each year. The Punjab Housing and Town Planning Agency has been formally invited to receive the honour at the global World Habitat Day event in Muscat, Oman, on October 5, followed by housing workshops from October 6 to 8. Information Minister Azma Bokhari called it an honour for 140 million people of Punjab.

Rs260 Billion Disbursed for 200,000 Houses

The numbers behind the award are remarkable. Loans worth Rs260 billion have been disbursed for the construction of more than 200,000 houses across Punjab. In the first phase, loans exceeding Rs196 billion went to 134,439 houses. In the second phase, more than Rs62 billion was provided for 65,000 houses. Around 125,000 families have already moved into homes built under the program. The recovery rate stands at an impressive 99 percent, which shows the program is financially sustainable.

Joint Families Now Included in the Program

In a major expansion, the Punjab Government extended Apni Chhat Apna Ghar to joint families. Under this expansion, joint families can obtain interest free loans on easy installments to expand their existing homes. Chief Minister Maryam Nawaz described it as a golden gift for the people of Punjab, saying the inclusion of joint families preserves the traditional shared living system while solving the growing need for more living space. This was one of the most requested features by applicants.

Apni Zameen Apna Ghar Plot Scheme

Families who do not own land are not left out. Under the Apni Zameen Apna Ghar scheme, the government allots plots and provides interest free loans to construct houses on them. In the first phase, 1,534 plots will be allocated through a transparent lottery system in cities including Jhelum, Kasur, Faisalabad and Lodhran. The chief minister directed authorities to speed up the lottery process so waiting families get their plots without delay.

Who Can Apply? Eligibility Criteria

The program is meant for low income families of Punjab who do not own a house or need to expand their existing home. Applicants must be residents of Punjab with a valid CNIC. The fully digital system verifies applicants through NADRA and land records, so only genuine applicants move forward. More than 1.88 million users have already registered on the program portal, which shows the scale of demand across the province.

How to Apply Online for Apni Chhat Apna Ghar

Applications are submitted through the official Apni Chhat Apna Ghar online portal run by the Punjab Housing and Town Planning Agency. Applicants register with their CNIC and mobile number, fill in family and income details, and upload required documents. Verification happens digitally through government databases. Approved applicants receive their loan in installments linked to construction stages, which keeps the money safe and ensures the house actually gets built.

500,000 Homes Target in Five Years

Looking ahead to 2027 and beyond, the Punjab Government has set a target of providing Apni Chhat to 500,000 people within five years. More than 200,000 homes have already been financed in just two years. With the UN award bringing global recognition and the joint family expansion opening the program to even more households, the program is expected to grow faster in its next phase. Families planning to apply should register early, because demand keeps rising with every new announcement.

Frequently Asked Questions

What award did Apni Chhat Apna Ghar win?

The program was selected for the 2026 UN Habitat Scroll of Honour Award, one of only five housing programs chosen globally. The award ceremony takes place on October 5, 2026, in Muscat, Oman, on World Habitat Day.

How much loan has been disbursed under Apni Chhat Apna Ghar?

Loans worth Rs260 billion have been disbursed for more than 200,000 houses. Phase 1 covered 134,439 houses with Rs196 billion, and Phase 2 covered 65,000 houses with Rs62 billion.

Are joint families eligible for Apni Chhat Apna Ghar?

Yes. The program was expanded to include joint families, who can now get interest free loans on easy installments to expand their existing homes.

What is Apni Zameen Apna Ghar?

It is the plot allotment part of the housing program for families without land. In the first phase, 1,534 plots in Jhelum, Kasur, Faisalabad and Lodhran will be allocated through a lottery, along with interest free construction loans.

How do I apply for Apni Chhat Apna Ghar online?

Register on the official portal of the Punjab Housing and Town Planning Agency with your CNIC and mobile number, fill in your details, upload documents, and complete digital verification. Approved loans are released in construction linked installments.

Related Punjab Government Schemes

Families may also want to check the CM Punjab Loan Scheme 2026 for business and housing finance options, the Dhee Rani Program 2026 for wedding support, and the Punjab Nigehban Ramzan Package for relief assistance.

Conclusion

Apni Chhat Apna Ghar has grown from a provincial housing scheme into a globally recognized model, with the UN Scroll of Honour Award, Rs260 billion in disbursed loans and 200,000 financed homes. With joint families now included, plot allotments through Apni Zameen Apna Ghar, and a five year target of 500,000 homes, 2027 looks like the program’s biggest year yet. Eligible families should register on the official portal and keep their documents ready.