The Punjab government has approved a new digital model for the next phase of the ‘Apni Chhat Apna Ghar’ housing scheme, aiming to expand access to affordable homes across the province.
Under the updated framework, the Bank of Punjab will, for the first time, directly issue interest-free housing loans to eligible applicants.
Key Highlights of the New Phase
- 💰 Rs. 60 billion allocated for housing loans
- 🏡 Construction of 40,000 additional low-cost houses
- 📲 Fully digital loan processing system
- 🚫 Reduced human intervention to ensure transparency
- 👨👩👧👦 Over 100,000 families have already benefited from the scheme
What Is New in the Digital Model?
The government has shifted the loan disbursement process to a digitally managed system, designed to:
✔ Speed up loan approvals
✔ Minimize manual handling
✔ Reduce chances of favoritism or delays
✔ Ensure transparent record keeping
This marks a major step toward modernizing public housing financing in Punjab.
Impact on Housing Sector
With Rs. 60 billion in fresh funding, the scheme is expected to:
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Boost construction activity
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Create employment in related industries
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Support low- and middle-income families
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Improve access to affordable housing
Officials say the initiative will further strengthen Punjab’s housing development efforts in 2026.
