Not an Official Website
This website is privately operated for public information. It is not affiliated with the Government of Pakistan, the Government of Punjab, the Punjab Housing and Town Planning Agency (PHATA), the Pakistan Housing Authority Foundation, the State Bank of Pakistan or any bank or housing authority. It does not use any official logo, seal, flag emblem or government branding, and its domain (apnagharscheme.pk) is a private domain — official portals end in .gov.pk.
Information, Not a Guarantee
Programme details published here — loan amounts up to Rs 15 lakh, instalments of about Rs 14,000, plot counts, eligibility rules and processes — are compiled from official announcements and reputable reporting and are reviewed for accuracy. Programmes can revise terms, pause phases or change quotas at any time. Inclusion of a programme here is not a promise that you will qualify, that a phase is currently open, or that funds will be approved in your case. The final authority on every point is the official portal and the deciding government body.
No Data, No Fees, No Agents
- We never collect CNIC numbers, OTPs, documents or applications.
- We never charge any fee, for any reason.
- We have no agents, franchises, helpline staff or WhatsApp numbers.
- Anyone demanding money or data in the name of this website or of the scheme is committing fraud — report them on 0800-09100.
External Links
Links to official portals are provided so you can apply at the correct place. We are not responsible for the content, availability, security or outcomes of any external website, including the official portals themselves.
Liability
We are not liable for losses arising from reliance on this guide, from application outcomes, or from third-party misconduct. Always verify the current terms on the official portal before acting. Read also our Terms & Conditions and Privacy Policy.