In 2025, the Government of Punjab, led by Chief Minister Maryam Nawaz, launched a powerful housing initiative titled “Apni Chhat Apna Ghar”, which translates to “My Roof, My Home”. This revolutionary programme offers interest-free loans to deserving families so they can construct homes on land they already own. The initiative is designed to fight poverty and homelessness by helping low-income citizens build secure housing. If you are a landowner without the financial resources to build a home, this scheme could be your golden opportunity.
In this article, we will cover all the important aspects of the Apni Chhat Apna Ghar Programme, including eligibility criteria, required documents, and a complete guide on how to apply online.
🏠 What is the Apni Chhat Apna Ghar Programme?
Apni Chhat Apna Ghar is a flagship housing loan program under the Punjab Government. It offers PKR 1.5 million in interest-free loans to individuals who own a small piece of land but do not have the financial means to construct a house. The goal is to help 70,000 low-income families build homes and live with dignity. The programme is especially beneficial for women, widows, disabled individuals, and people living below the poverty line.
💰 Key Features of the Scheme
- ✅ Loan Amount: Up to PKR 1.5 million
- ✅ Interest Rate: 0% (Fully Interest-Free)
- ✅ Loan Tenure: Maximum 7 years
- ✅ Grace Period: 3 months (no payment required)
- ✅ Monthly Installment: Approximately PKR 14,000
- ✅ Eligibility-Based Selection
- ✅ Fully Digital Application System
- ✅ No Agent or Middleman Involved
This programme allows individuals to construct their homes in both urban (1–5 marla) and rural (1–10 marla) areas.
✅ Who is Eligible to Apply?
The person who wants to apply to this school must meet the following requirements:
- Permanent Resident of Punjab
- Land Ownership: Must own land measuring 1 to 5 marla (urban) or 1 to 10 marla (rural)
- No existing home ownership
- Must be the head of the household (registered in NADRA records)
- Age: Minimum 18 years
- Monthly income below PKR 60,000 (preferred but not mandatory)
- NSER or PSER survey registered (if applicable)
- Clean credit and legal history
Priority will be given to families with greater need, especially women-headed households and people with disabilities.
📑 Required Documents
To complete the online application, make sure to prepare the following documents:
- CNIC (front and back)
- A recent passport-sized photograph
- Proof of land ownership (registry, fard, etc.)
- Utility bill (for address verification)
- Family Registration Certificate (optional but helpful)
- Proof of income (salary slip or affidavit)
- NSER survey number (if applicable)
Make sure your documents are scanned clearly and in JPG or PDF format.
🌐 How to Apply Online—Step-by-Step Process
You can easily apply online from your mobile or computer. Follow the steps below:
Step 1: Visit the Official Portal
Go to the official website:
👉 https://acag.punjab.gov.pk
Step 2: Register Your Account
Click on the “Register” button. Enter your:
- Name
- CNIC Number
- Mobile Number
- Email Address
- Create a password
Step 3: Log in and Start Application
After registration, log in to your account. Click on “Apply for Housing Loan” and start filling in your personal, land, and financial details.
Step 4: Upload Required Documents
Attach all required scanned documents. Double-check for clarity and accuracy.
Step 5: Submit the Application
After you are done filling out the form, click “Submit”. You will be given a tracking number that you can use to check on the progress of your application at a later time.
📞 Helpline for Assistance
If you face any issues while applying, you can contact the official helpline:
📱 Toll-Free Number: 0800-09100
🌐 Website: https://acag.punjab.gov.pk
You can also visit your nearest e-Khidmat Markaz for offline help.
⚠️ Important Tips for Applicants
- Do not pay any fee to agents or third parties
- The application process is completely free
- Apply only through the official website
- Use genuine and correct information
🌟 Why This Scheme Is a Game Changer
The Apni Chhat Apna Ghar Programme is more than just a building project. It is a plan to make the lives of poor people better. By giving out interest-free loans, the government helps families become financially independent and socially stable.
Many citizens in Pakistan own small pieces of land but are unable to build a house due to inflation, rising construction costs, and a lack of bank financing. This programme fills that gap and turns the dream of a safe, secure home into a reality.
✅ Final Words
If you or someone in your family owns a small plot of land and has been waiting for financial help to build a house, now is the perfect time. The Apni Chhat Apna Ghar programme is a transparent, fair, and supportive initiative that makes home ownership possible for thousands of deserving people. Don’t miss this golden opportunity. Check your eligibility, prepare your documents, and apply online today. Your dream home could be just a few steps away!
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