Five Types of People Disqualified Under Apni Chhat Apna Ghar Scheme 2025

Oct 16, 2025

Apni Chhat Apna Ghar Scheme

The Punjab Government’s Apni Chhat Apna Ghar Scheme 2025 has gained massive attention across the province. Marketed as one of the most ambitious housing initiatives for low and middle-income families, the scheme aims to provide affordable housing units to thousands of people who currently live in rented houses or informal settlements.

While the program is designed to benefit the needy, the government has also issued clear disqualification rules to ensure that only the most deserving households receive this opportunity. Knowing who is ineligible is as important as knowing the eligibility criteria itself, as it saves applicants from wasting time and prevents misuse of state resources.

Why the Disqualification Criteria Matter

Housing schemes in the past often faced criticism for mismanagement, favoritism, or being misused by people who already owned property. To avoid repetition of such mistakes, Punjab has set strict guidelines that screen out individuals who already own homes, are financially well-off, or have questionable legal or financial histories.

This approach ensures transparency and builds trust among applicants. It also makes the process fairer by prioritizing those truly in need of affordable housing.

Five Types of People Disqualified

1. Existing Property Owners

The scheme is only for homeless or propertyless families. If an applicant or their dependent already owns a house, flat, or even a residential plot larger than the permitted size, their application will be rejected. The aim is to help those who genuinely lack housing.

2. People with Fake or Invalid CNIC

All applications require a valid Computerized National Identity Card (CNIC). If the CNIC is fake, expired, or unverifiable in the NADRA database, the applicant is automatically disqualified. This rule ensures that only authentic Pakistani citizens apply.

3. High-Income Families or High PMT Score

The Poverty Means Test (PMT) score is used to measure economic conditions. If a family’s PMT score is above 60, or their monthly household income crosses the set threshold, they are considered ineligible. The scheme strictly targets low-income and lower-middle-income groups.

4. Applicants with Criminal Records

Anyone involved in serious crimes, anti-social activities, or with pending major criminal cases cannot apply. This restriction is meant to ensure that the scheme benefits law-abiding citizens and strengthens social harmony in new housing communities.

5. Loan Defaulters

People who have defaulted on loans from banks, government institutions, or microfinance programs in the past are barred from this housing initiative. The logic is simple: if someone has a poor repayment history, they pose a risk of defaulting again, which could harm the scheme’s sustainability.

Quick Detail Table – Who Is Disqualified?

Category	Reason for Disqualification
Property Owners	Already own house, flat, or plot above limit
Fake/Invalid CNIC Holders	CNIC expired, fake, or unverifiable
High-Income Families	PMT score above 60 or high monthly income
Criminal Record Applicants	Involved in serious crimes or legal issues
Loan Defaulters	Previous default on bank/government loans

Impact of Strict Criteria

These rules may seem tough, but they are essential for fairness. In the past, housing schemes often ended up helping those who didn’t truly need them, while the poor remained ignored. By introducing strict disqualification measures, the Punjab government is signaling its intent to protect the rights of the marginalized.

The scheme is being closely monitored, and digital records will help in cross-verifying applicants’ income, property status, and loan history. This will reduce corruption and favoritism, which are often associated with government schemes.

Public Reaction

The launch of the Apni Chhat Apna Ghar Scheme has created a wave of excitement among low-income families. Social media is buzzing with discussions about eligibility and application steps. Many citizens appreciate that the government is finally focusing on the “roof over every head” promise. However, some argue that the income thresholds are too low and may exclude struggling middle-class families who also cannot afford their own homes.

Conclusion

The Apni Chhat Apna Ghar Scheme 2025 is a step forward in solving Punjab’s housing crisis. While thousands of families stand to benefit, it is equally important to ensure that only the most deserving applicants are included. The five disqualification rules—covering property ownership, CNIC validity, income, criminal history, and loan defaults—are designed to achieve this fairness.

If implemented with transparency, this scheme has the potential to change lives, uplift communities, and contribute significantly to Pakistan’s long-term housing goals.