The Punjab government launched the “Apna Ghar, Mehfooz Ghar” scheme to help families repair weak roofs and add new floors safely. Citizens can now complete their Apna ghar mehfooz ghar program online Registration, Required Documents submission through the official PITB-developed PITB online portal or designated commercial banks to secure interest-free loans of up to Rs. 10 Lakh.
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New Loan Categories Under Apna Ghar Mehfooz Ghar Scheme
Chief Minister Maryam Nawaz Sharif expanded the provincial housing initiative following the tragic roof collapse incident in Kahna. The government realized that building new homes was not enough; existing weak structures also needed immediate financial support. To address this, the government allocated Rs. 217.8 billion to ensure every family lives under a safe structure.
The newly introduced phase breaks down financial assistance into two distinct interest-free loan categories. Families can easily manage repayments through affordable monthly installments spread across a flexible timeline.
Roof Renovation and Additional Floor Financing
The scheme offers targeted financial relief based on the specific condition of your existing property:
- Category 1 (Home Renovation): If your house has a dilapidated, weak, or leaky roof, you can get a loan of Rs. 5 Lakh specifically for repair and renovation work.
- Category 2 (Additional Floor): If you need more space for an expanding family, you can get an interest-free loan of Rs. 10 Lakh to build an extra story safely.
Step-by-Step Apna Ghar Mehfooz Ghar Program Online Registration, Required Documents
To secure your loan, you must submit your application through the official online portal. The system verifies your data directly with NADRA to keep the process transparent and fast. Chief Minister Maryam Nawaz has ordered the department to issue the second phase of loans within three days of verification.
Eligibility Criteria and Document Checklist
Applicants must meet basic criteria to qualify for the scheme. You must live in Punjab, hold a valid CNIC, and own the property or land you plan to renovate. The program gives priority to low-income families living in old, dangerous urban settlements or rural areas.
Make sure you gather these essential items before opening the application portal:
- Valid CNIC of the property owner
- Proof of land or house ownership (Registry or Fard)
- Recent structural photos showing the weak roof or area needing expansion
- Active mobile phone number registered in the applicant’s name
- Proof of monthly household income
| Feature | Details |
| Topic | Apna Ghar Mehfooz Ghar Program |
| Category | Interest-Free Housing Loans |
| Suitable For | Low-income families with damaged roofs or expanding households |
| Benefits | Rs. 5 Lakh for roof repairs, Rs. 10 Lakh for an extra floor |
| Important Update | Direct online application with 3-day fast-track approval |
| Last Updated | July 2026 |
The Apna Ghar Mehfooz Ghar initiative provides timely financial aid to families struggling to maintain unsafe homes. By keeping the application process digital and removing interest rates, the Punjab government ensures that safety and home expansion remain affordable for low-income citizens.
FAQs
How much financial aid can I get for roof repairs?
You can get an interest-free loan of Rs. 5 Lakh specifically to repair weak, dilapidated, or dangerous roofs.
What is the maximum loan amount for building an extra room or floor?
The program provides up to Rs. 10 Lakh on easy, interest-free installments to construct an additional floor on your existing house.
Where can I apply for this housing scheme?
You can apply online through the official Punjab government housing portal or visit designated centers with your property ownership documents.
Who is eligible for the Apna Ghar Mehfooz Ghar program?
Any resident of Punjab who owns a house with a weak structure or owns a plot and requires financial help for expansion can apply.
