Every Pakistani family dreams of owning a home, but inflation and rising construction costs are making it increasingly difficult for low-income citizens to afford even a small house. To address this issue, the Government of Punjab has launched the “Apni Chhat Apna Ghar” scheme. This revolutionary housing program offers interest-free loans to eligible families for building or purchasing their own homes.
This article provides a comprehensive guide to the scheme’s benefits, eligibility criteria, online application process, and other key details. If you’re looking to apply, this is all the information you need.
What is the Apni Chhat Apna Ghar Scheme?
Launched under the direction of the Chief Minister of Punjab, the “Apni Chhat Apna Ghar” scheme is a government-backed initiative to assist low-income families in building or owning a house on their land. The scheme provides
- Interest-free loans of up to Rs. 1.5 million
- Flexible monthly installments
- Support with house design and construction
- Access to approved contractors and housing societies
The goal is to provide roof ownership to deserving families while promoting dignity and long-term stability.
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Who is Eligible to Apply?
To qualify for the Apni Chhat Apna Ghar scheme, applicants must meet the following criteria:
- Must be a permanent resident of Punjab
- Should be the head of a household
- Must not already own a home
- Should own a residential plot of 5 marla (urban) or 10 marla (rural), or less
- Must be registered with the NSER (National Socio-Economic Registry)
- PMT (Poverty Means Test) score must be 60 or below
- Should have no criminal record and not be a loan defaulter
Both men and women can apply for the scheme, with families without formal housing receiving preference.
Loan Amount and Payment Plan
The Punjab government offers interest-free housing loans of up to Rs. 1.5 million. The repayment period is up to 7 years, and borrowers are allowed a 3-month grace period after the loan is sanctioned. Monthly installments range from Rs. 14,000 to Rs. 26,000, depending on the size of the house and the construction model selected.
How to Apply Online for Apni Chhat Apna Ghar
Applying for the scheme is easy and entirely digital. Here’s a step-by-step guide:
Step 1: Visit the Official Portal
Go to the official website:
👉 https://acag.punjab.gov.pk
Step 2: Register Your Account
Click on “Register” and provide your:
- Full name
- CNIC number
- Father’s/Husband’s CNIC
- Mobile number
- Email address
- District and city
- Password
After filling in the form, submit it to create your account.
Step 3: Log In and Start Application
Use your CNIC and password to log in. Carefully read the declaration and agree to the conditions mentioned.
Step 4: Fill Out the Application Form
The form will ask for:
- Family details
- Property information
- Income and employment status
- NSER or PMT score (auto-linked)
- CNIC and land ownership documents (upload required)
Step 5: Submit and Wait for Confirmation
After completing all sections, apply. Once your application undergoes review and approval, you will receive an SMS or email notification.
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Offline Application Option
If you don’t have access to the internet, you can also apply via:
- Deputy Commissioner’s Office in your district
- Toll-free helpline at 0800-09100
- Visit an NSER/BISP office for PMT registration
These centres have dedicated staff to help you apply.
Types of Housing Models
The scheme offers three categories:
- Government-Constructed Homes: On state land in selected areas.
- Low-Cost Housing Units by Private Sector: Approved builders and societies participate.
- Interest-Free Loan for Self-Construction: Families who own land can build their own home using the loan.
Tracking Your Application
You can track your application status through the portal or by contacting:
- Helpline: 042-99213419 / 042-99213428
- Email: info@phata.punjab.gov.pk
Keep your application ID and CNIC handy for reference.
Important Reminders
- Always use a mobile number registered in your name under your CNIC.
- Please ensure all information is thoroughly reviewed before submitting the form.
- Your NSER PMT score is crucial. If you don’t have one, visit the nearest NSER office.
- Any false information can result in immediate disqualification.
Conclusion
The Apni Chhat Apna Ghar scheme offers a groundbreaking opportunity for low-income families to achieve their dream of homeownership. This initiative, with its easy application methods, flexible repayment options, and government-backed security, has the potential to transform lives throughout Punjab. If you meet the eligibility criteria, we encourage you to apply online today and take the first step toward a better, secure future for your family.
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