Punjab’s flagship housing finance programme has crossed a major milestone, with the provincial government reporting that more than Rs289 billion in interest-free loans have now been disbursed to over 219,000 families — resulting in more than 126,000 completed homes and another 61,000 currently under construction.
The figures come from a progress review meeting of the Apni Chhat Apna Ghar Programme led by Punjab’s Housing Secretary, Noor-ul-Amin Mengal, and reported by the provincial government’s Directorate General Public Relations (DGPR Punjab) on 20 October 2026. Second instalments of loans have been issued to over 169,000 families, while Rs22.15 billion has already been recovered from beneficiaries — money the housing department says is being reinvested to assist more families, keeping the revolving fund moving. The programme’s online portal has seen more than 2.46 million citizen registrations and over 1.54 million applications to date.
The scheme offers interest-free loans to eligible low- and middle-income families for building their own homes, positioned by the government as a way to address Punjab’s housing policy machinery in a way ordinary households can access.
What this means for CBD Punjab
CBD Punjab’s districts are commercial, IT and high-rise developments rather than self-built housing, but the wider Lahore housing market is one ecosystem. A programme that is genuinely adding over 126,000 owner-built homes — with tens of thousands more in the pipeline — steadily absorbs mid-market housing demand in the province and recycles capital through its recovery-reinvestment loop. For readers watching CBD Punjab auctions and projects, it is a reminder that the province’s housing-policy machinery is moving in parallel: the demand dynamics around Lahore’s growth corridors, which CBD’s projects depend on, are shaped as much by programmes like this as by flagship towers. One caveat worth keeping: these are official programme figures reported via DGPR Punjab, and independent verification of on-ground completion is always prudent before treating them as market fact.
Source: Pakistan News Gazette — https://pakistannewsgazette.com/interest-free-loans-program-in-punjab-disburses-rs289-billion-to-families-for-housing/