Apni Chhat Apna Ghar | Punjab Housing Loan Calculator

Apni Chhat · Apna Ghar

Punjab Government’s Flagship Housing Initiative

Scheme Overview

Apni Chhat Apna Ghar is a revolutionary housing finance program launched by the Chief Minister of Punjab to empower low & middle-income families. The mission is simple: every Punjabi family deserves a safe, dignified roof. This calculator has been redesigned to help you estimate your monthly plan transparently.

         Key financial features

        • Subsidized markup rates (as low as 5% p.a. for eligible applicants)

        • Maximum loan limit up to PKR 1.5 million (flexible case-to-case)

        • Tenure options from 3 to 20 years

        • Zero hidden processing fee for low-income segments

Eligibility (Rewritten summary)

Permanent resident of Punjab (any district)
Monthly household income between PKR 25,000 – 80,000 (priority)
Clean credit history & CNIC-based verification
Applicant must not have owned a residential plot in past 5 years (first-time owner preference)

Required documents

CNIC & family registration certificate
Proof of income (salary slip / business affidavit)
Property agreement / allotment letter (if applicable)
Recent utility bill & domicile certificate

How this calculator helps

Our tool computes your estimated monthly installment (EMI) based on property value, down payment, profit rate, and loan tenure. Adjust the sliders/fields to see affordable plans. Note: Final rates may vary as per bank’s policy and government subsidy.

This tool is an independent, rewritten, educational version for estimation only. Not an official government portal. Always consult authorized bank branches or Punjab Housing & Town Planning Agency for final approval.

Loan Simulator

مرحبا | Plan your Apni Chhat – adjust values below

Total Property Value (PKR)

₨

Down Payment (PKR)

₨

Loan Amount (Principal)

PKR 3,000,000

Annual Interest / Profit Rate (%)

Subsidized rates under scheme: 5%–9%

Loan Tenure (Years)

yrs

Estimated Monthly Installment (EMI) PKR 0

Total Interest / Markup Paid PKR 0

Total Payment (Principal + Interest) PKR 0

Calculations based on standard reducing-balance amortization.

Unique rewritten tool for Apni Chhat Apna Ghar — updated with flexible down payment logic.