CM Punjab Apna Ghar
Mehfooz Ghar Scheme
The CM Punjab Apna Ghar Mehfooz Ghar Scheme 2026 helps eligible families repair unsafe homes, strengthen existing structures, and improve living conditions through interest-free financial assistance. Explore eligibility, benefits, required documents, the application process, and the latest official updates—all in one place.
Why This Scheme?
Key benefits for eligible families across Punjab:
- Interest-free loans up to PKR 1.5 Million
- Easy installment plans with flexible tenure
- Quick approval process within 15 days
- Free technical assistance & guidance
- Special quota for widows & disabled persons
Check Your Eligibility for CM Punjab
Apna Ghar Mehfooz Ghar Program 2026
Fill in your details, select your responses, and click Check Eligibility to see your result.
Based on your answers, you appear to meet the eligibility requirements.
Disclaimer: This eligibility checker provides an estimate based on currently available official information. Final approval depends on verification by the Punjab Government after the official registration process begins.
What is the CM Punjab Apna Ghar
Mehfooz Ghar Scheme?
The CM Punjab Apna Ghar Mehfooz Ghar Scheme 2026 is a new housing support initiative introduced by the Government of Punjab to help families improve the safety and condition of their homes.
Interest-Free
Home Safety
Across Punjab
Eligible Families
Interest-Free Loan for Additional Floor Eligible homeowners can receive up to Rs. 1,000,000 as an interest-free loan to construct an additional floor on their existing home. This feature is designed for growing families that require more living space.
Interest-Free Loan for Roof Repair Families living in homes with damaged or unsafe roofs may receive up to Rs. 500,000 as an interest-free loan for roof repair and structural improvement.
Why This Scheme is Important It represents the Punjab Government’s commitment to creating safer communities and improving the quality of life for ordinary citizens by supporting vertical expansion.
Floor Construction
Rs. 1MExpand your living space vertically with zero interest.
Roof Repair
Rs. 500KSecure your home with completely interest-free repairs.
Loan Categories Under CM Punjab
Apna Ghar Mehfooz Ghar
Two dedicated interest-free loan categories designed to help families repair unsafe homes or build additional living space.
The CM Punjab Apna Ghar Mehfooz Ghar initiative introduces two new interest-free loan categories under the flagship Apni Chhat Apna Ghar Program. Instead of offering a one-size-fits-all solution, the Punjab Government has created separate financing options for families with different housing needs.
Whether your home requires urgent structural repairs or your growing family needs additional living space, the program aims to provide affordable financial assistance without adding the burden of interest.
Roof Repair Loan
Rs. 500,000 0% Interest-Free Loan- Purpose: Repair weak roofs & unsafe structures
- Use: Roof renovation, structural strengthening
- Benefit: Prevent accidents & weather damage
- Repayment: Easy installments (SOPs coming soon)
Additional Floor Loan
Rs. 1,000,000 0% Interest-Free Loan- Purpose: Construct additional floor/storey
- Use: Vertical expansion for growing families
- Benefit: Extra living space without buying new property
- Repayment: Flexible installments (SOPs coming soon)
Quick Comparison of Both Loan Categories
| Feature | Roof Repair Loan | Additional Floor Loan |
|---|---|---|
| Maximum Loan | Rs. 500,000 | Rs. 1,000,000 |
| Interest Rate | 0% (Interest-Free) | 0% (Interest-Free) |
| Purpose | Repair weak roofs & unsafe structures | Construct an additional floor |
| Target Applicants | Existing homeowners with damaged houses | Existing homeowners needing more living space |
| Repayment | Easy installments (official schedule to be announced) | Easy installments (official schedule to be announced) |
Apna Ghar Mehfooz Ghar
vs Apni Chhat Apna Ghar
The Punjab Government is running multiple housing initiatives. The answer is simple: Both schemes are different, but they complement each other perfectly. One helps you build a new home, the other makes your existing home safer.
Apni Chhat
Mehfooz Ghar
Build a new house from scratch on your own residential plot.
Make your existing home safer through roof repair or expansion.
Urban: 5 Marla | Rural: 10 Marla empty plot.
Must already own a house that needs structural upgrades.
Up to 7 Years with a 3-month initial grace period.
0% Interest-Free with flexible, easy installments.
~Rs. 14,000/month installment
Rs. 5L (Roof) | Rs. 10L (Floor)
Major Achievements — CM Maryam Nawaz Sharif
Apni Chhat Apna Ghar
Program Status
Apna Ghar Mehfooz Ghar
New Scheme Announced
Officially launched to complement existing housing initiatives in 2026.
SOPs & Guidelines
Detailed repayment schedules and procedures are currently under development.
0% Interest Policy
Confirmed interest-free financing structure for roof repair & expansions.
So, which scheme
is for you?
You Own an Empty Plot
You have a residential plot but haven’t built a house yet.
- You need a new home from scratch
- Apply for Apni Chhat Apna Ghar
You Already Own a Home
You have a house but need to make it safer or add more space.
- Roof is weak or damaged
- Apply for Apna Ghar Mehfooz Ghar
Permanent Resident of Punjab
Applicants must be permanent residents of Punjab and possess a valid CNIC. Residential information must match official records.
Ownership of Residential Property
Applicants should own the property. Current property limits are: Urban: Up to 5 Marla | Rural: Up to 10 Marla
Genuine Housing Need
Intended for homeowners who genuinely need assistance for roof repair, structural strengthening, or additional living space.
Good Financial Record
Applicants should have a satisfactory financial history. Individuals with a bank loan default may not qualify.
No Serious Criminal Record
Applicants should not have a serious criminal record. The program is strictly for eligible and law-abiding citizens.
Compliance & Verification
Must provide accurate information and documents. False or misleading information will result in immediate rejection.
Quick Eligibility Checklist
Answer “Yes” to most questions below to verify your eligibility for the program.
Are you a permanent resident of Punjab?
Do you have a valid CNIC?
Do you own the house requiring repair?
Is your house within property limits?
Does it genuinely need repair/expansion?
Do you have a clean banking history?
Have no serious criminal record?
Can provide accurate documents?
Documents for CM Punjab
Apna Ghar Mehfooz Ghar
Prepare in advance: Having all required documents ready can help prevent unnecessary delays during the application and verification process.
Applying for the CM Punjab Apna Ghar Mehfooz Ghar Scheme becomes much easier when all required documents are prepared in advance. Keeping your information complete and accurate can help prevent unnecessary delays.
Since this initiative is being introduced under the existing Apni Chhat Apna Ghar Program, applicants should be prepared to provide the same core documents currently required for housing loans.
Valid CNIC
A valid Computerized National Identity Card (CNIC) is the most important document required for the application.
- Make sure your CNIC is not expired
- Personal info must be correct
- Details must match the form
Registered Mobile Number
Applicants should use an active mobile number that is registered in their own name whenever possible.
- Used for OTP confirmation
- Receive loan status alerts
- Avoid inactive numbers
Property Ownership Documents
Applicants should be able to prove ownership of the house or residential property.
- Property Registry Documents
- Fard (Record of Rights)
- Allotment Letter / Sale Deed
Photographs of the House
Applicants seeking assistance for roof repair or structural strengthening should keep recent photographs ready.
- Weak/damaged roof areas
- Structural cracks
- Images must be clear & recent
Supporting Verification Documents
During the verification process, applicants may be asked to provide additional supporting documents if required by the government.
- Residential address proof
- Identity verification docs
- All info must be accurate
Required Documents Checklist
Before starting your application, make sure you have the following documents ready.
Document Preparation Tips
Double-check your CNIC number before submission to avoid verification delays.
Use a mobile number that remains active throughout the application process.
Ensure property ownership documents are clear and up to date.
Keep scanned copies or clear photographs of all documents ready for upload.
For roof repair assistance, capture clear images showing the actual condition.
Organize your documents before visiting the application portal to save time.
How to Apply for CM Punjab
Apna Ghar Mehfooz Ghar Program 2026
The application portal has not yet been launched. Applicants are encouraged to prepare all required documents in advance so they can complete the registration process without delays.
Applying for the CM Punjab Apna Ghar Mehfooz Ghar Program 2026 will be a simple process once the Punjab Government officially launches the online application portal. Until then, applicants are encouraged to prepare all required documents in advance.
📑 Required Documents Before You Apply
Application Portal Coming Soon
The online registration process has not started yet. Please wait for the Punjab Government to officially launch the CM Punjab Apna Ghar Mehfooz Ghar application portal. Once registration opens, we will update this page with the official application link and complete step-by-step instructions.
Disclaimer
AGMG.pk is an independent informational website created to help the public understand the CM Punjab Apna Ghar Mehfooz Ghar Program, Apni Chhat Apna Ghar Program, and other Punjab Government housing initiatives.
We are not affiliated with, endorsed by, authorized by, or officially connected to the Government of Punjab, the Chief Minister’s Office, or any government department. This website does not process applications, approve loans, collect personal information on behalf of the government, or represent any official authority.
All information published on AGMG.pk is collected from publicly available sources. While we make every effort to keep the information accurate and up to date, government policies, eligibility criteria, application procedures, and deadlines may change without prior notice.
Users are strongly advised to verify all important information through the relevant official Punjab Government websites before making any financial or legal decisions or submitting an application.
By using this website, you acknowledge that AGMG.pk is provided for informational and educational purposes only and accepts no responsibility for decisions made solely on the basis of the information published on this website.
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اس ویب سائٹ کا استعمال کرنے کا مطلب یہ ہے کہ آپ اس بات سے اتفاق کرتے ہیں کہ AGMG.pk صرف معلوماتی اور تعلیمی مقصد کے لیے قائم کی گئی ہے اور اس پر موجود معلومات کی بنیاد پر کیے گئے کسی بھی فیصلے کی ذمہ داری صارف کی اپنی ہوگی۔
- Up to Rs. 500,000 for roof repair.
- Up to Rs. 1,000,000 for constructing an additional floor.
- Valid CNIC
- Active mobile number
- Property ownership documents
- Registry, Fard, or Allotment papers (where applicable)
- House photographs for repair cases
- Up to 5 Marla in urban areas.
- Up to 10 Marla in rural areas.
