The Government of Punjab, under the leadership of Chief Minister Maryam Nawaz, relaunched the Apni Chhat Apna Ghar housing initiative in 2025. Underprivileged families who own land but lack the financial capacity to build a house can benefit from this progressive scheme. By providing interest-free loans and easy repayment plans, the government aims to support thousands of low-income households in achieving the dream of owning a proper home.
🌟 Main Purpose of the Scheme
The key objective of the Apni Chhat Apna Ghar scheme is to empower poor families, especially those residing in rural and urban Punjab, who are landowners but struggle with construction costs. Instead of giving away free land or homes, the government is enabling self-built housing by offering Qarz-e-Hasna (interest-free loans) that applicants can repay in small, manageable monthly installments.
💰 Loan Features
- Loan Limit: Up to PKR 1.5 million
- Interest Rate: Zero percent
- Repayment Period: 7 years
- Installment Method: Equal monthly installments (EMIs)
You can use this financial support to either construct a new home or finish one that is currently under construction.
✅ Who Can Apply? (Eligibility Criteria)
To be able to join this school, the following conditions must be met:
- Residency: You must be a permanent citizen of Punjab province.
- Family Head: Only heads of families registered with NADRA are eligible.
- Land Ownership: You should own land measuring up to 5 marlas in urban areas or 10 marlas in rural areas.
- No Other House: You must not already own a complete house anywhere in Pakistan.
- Income Bracket: Your income must fall under the government-defined low-income group.
- PMT Score: Your Poverty Means Test (PMT) score must be 60 or below.
- PSER Survey: You should have completed the Punjab Socio-Economic Registry (PSER) survey.
- Clear Record: Applicants should have no criminal background or financial fraud history.
Read Also: Apni Chhat Apna Ghar Scheme 2025 Complete Registration Guide
📄 Required Documents
When applying online or offline, keep the following documents ready:
- CNIC (Computerized National Identity Card)
- Proof of land ownership (Registry or Fard)
- Salary slip or income
- Bank statement (if any)
- Recent utility bill (electricity or gas)
- An affidavit stating that the applicant has not benefited from any government housing scheme
🌐 Online Application Process
Applying for the Apni Chhat Apna Ghar scheme is now easier than ever through the official online portal. Here’s how to register:
- Visit the official website: https://acag.punjab.gov.pk
- Click on ‘Register’ to create your account.
- Fill out the form with your details, CNIC number, phone number, address, and land details.
- Upload documents including proof of land, CNIC copy, income certificate, and affidavit.
- Please submit the form and await a confirmation message or call from the verification department.
🏢 Offline Application Option
If you’re unable to register online, you can also apply manually by visiting the Deputy Commissioner’s Office in your district. A dedicated help desk for the Apni Chhat Apna Ghar scheme will guide you through the form submission process and collect your documents for further verification.
📢 Key Benefits of the Scheme
- Self-reliance: Empowers families to build homes on their land.
- No markup: 100% interest-free loans reduce the financial burden.
- Flexible tenure: 7-year repayment makes it affordable even for low-income individuals.
- Transparency: We process applications with strict verification, ensuring fairness and eliminating favoritism.
Read Also: CM Punjab’s Apni Chhat Apna Ghar Scheme 2025: A Game Changer in Affordable Housing
🕵️♀️ Application Review & Loan Disbursement
After submission, your application undergoes a verification process. Field teams may visit your land to ensure eligibility. Once approved, we disburse the loan amount in installments based on the progress of your construction.
The government will monitor the home-building activity to ensure that the funds are used correctly and construction is completed within a reasonable time.
📞 Helpline & Contact Details
For any assistance or queries regarding your application, contact the following:
Phone Numbers:
- 042-99213419
- 042-99213428
- 0800-09100 (Toll-free)
📹 Need Visual Guidance?
You can also watch step-by-step guides on YouTube explaining how to register, fill out the form, and upload your documents. Just search “Apni Chhat Apna Ghar 2025 Apply Online” on YouTube for video tutorials.
📝 Conclusion
The Apni Chhat Apna Ghar program provides impoverished individuals in Punjab with an exceptional opportunity to realize their dreams. For families who have land but lack the funds to build a home, this scheme provides a practical, interest-free, and supportive solution. With simple documentation, online access, and a fair review process, this initiative reflects the Punjab government’s commitment to affordable housing.
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