Apni Chhat Apna Ghar Scheme 2025 latest update registration , ehsasapnaghar.com

Apni Chhat Apna Ghar Scheme 2025 latest update registration

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The Government of Punjab, under the leadership of Chief Minister Maryam Nawaz Sharif, has launched a revolutionary housing initiative called the Apni Chhat Apna Ghar Scheme 2025. This welfare-oriented program is designed to support low-income families across the province by providing them with interest-free loans to construct homes on their land.

With the rising cost of construction and limited access to housing finance, this scheme offers a golden opportunity for eligible individuals to finally build a secure and dignified residence for themselves and their families.

🎯 Purpose and Vision of the Scheme

The main goal of the Apni Chhat Apna Ghar Scheme is to give poor people more power by:

  • Promoting a sense of ownership, stability, and security
  • Uplifting marginalized communities and supporting widows, orphans, and persons with disabilities
  • Encouraging development in rural and underserved urban areas
  • Addressing the housing shortage in the province through a sustainable model
  • The Punjab government makes the dream of home ownership accessible to everyone by providing interest-free loans up to PKR 1.5 million.

✅ Who Is Eligible? (Eligibility Criteria)

To benefit from the Apni Chhat Apna Ghar Scheme 2025, applicants must meet the following requirements:

  • Must be a resident of Punjab (holding a Punjab domicile)
  • The person must own a piece of land in their name, but not more than 5 marla in cities and 10 marla in the countryside.
  • Belong to a low-income group as defined by government standards
  • Have a PMT (Poverty Means Test) score of 60 or less, as per NSER records
  • Must not have received any prior government-funded housing support
  • Have no criminal background and must not be a defaulter of any financial institution

Widows, orphans, disabled persons, and families headed by women receive special priority.

🏠 Key Features of the Scheme

The Apni Chhat Apna Ghar Scheme offers a wide range of benefits:

  • Interest-Free Loans: Loans of up to PKR 1.5 million to build homes without paying interest
  • Easy Installments: Repayment plans range from 3 to 7 years, making it affordable for low-income earners
  • Transparent Application Process: A digital and paper-based system to ensure clarity and accountability
  • Social Equity: Designed to include neglected communities and rural populations

This program supports home construction and contributes to employment generation in the construction sector and stimulates local economies.

📝 How to Apply Step-by-Step Registration Guide

There are two methods to apply: Online and Offline.

🔹 Online Application Process:

  1. Visit the Official Portal
    Go to: https://acag.punjab.gov.pk

  2. Create an Account
    Register with your CNIC, email, and contact number

  3. Fill in the Application Form

  • Personal and family information
  • Land ownership details
  • PMT score (will be auto-verified)

  1. Upload Required Documents

  • Scanned CNIC copy
  • Land ownership proof
  • Income proof or poverty certificate
  • Any disability/widow certificate (if applicable)

🔹 Offline Application Process:

  1. Visit your District Commissioner (DC) Office
  2. Please ask for the Apni Chhat Apna Ghar application form.
  3. Carefully fill out the form and include all the appropriate paperwork.
  4. Submit it to the designated counter and collect your receipt

📄 Required Documents

  • CNIC copy of the applicant
  • Proof of land ownership (registry, mutation, or land deed)
  • Proof of income or NSER registration
  • Affidavit stating no previous government housing assistance
  • Bank account details for loan disbursement

📅 Important Dates

  • Registrations Open: Currently active (2025)
  • Deadline: Not yet announced (early application recommended)
  • Loan Disbursement Start: Expected mid-2025

📞 Contact and Support

For help or additional details, contact:

  • Official Website: https://acag.punjab.gov.pk
  • Helpline: 0800-09100
  • Social Media: Updates are also available on the Punjab Government’s official Facebook and Twitter pages

🏁 Conclusion

The Apni Chhat Apna Ghar Scheme 2025 is a life-changing initiative that goes beyond housing—it’s about dignity, stability, and social progress. By enabling deserving families to build their own homes, the Punjab Government is directly contributing to poverty alleviation, social welfare, and long-term economic development.

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