The Government of Punjab has launched an inspiring initiative for low-income families under the name “Apni Chhat Apna Ghar” scheme. This housing support program provides deserving families with the opportunity to own a home through interest-free housing loans. In 2025, the scheme expanded its coverage and now offers a simplified online application process, making it more accessible for people across the province.
This article provides a comprehensive overview of the program, including eligibility criteria, the online application process, and required documents.
What is the Apni Chhat Apna Ghar Scheme?
Launched by the Punjab Government and managed through the Punjab Housing and Town Planning Agency (PHATA), this scheme is part of a broader social welfare initiative to provide shelter to the poor and underprivileged. The government is providing interest-free loans of up to PKR 1.5 million to build homes on owned plots.
The goal is to empower families who own land but don’t have the financial means to construct a house. With a repayment period of 7 years, this scheme brings hope to thousands of deserving citizens.
Key Features of the Scheme
- ✅ Interest-Free Loan (Qarz-e-Hasna)
- ✅ Loan Amount up to PKR 1.5 million
- ✅ Monthly Installment: Around PKR 14,000
- ✅ 3-month grace period before repayment begins
- ✅ 7-year easy installment plan
- ✅ Fully Online Application Portal
- ✅ Transparent eligibility and verification process
Who Can Apply?
To qualify for this scheme, applicants must meet the following eligibility criteria:
- Must be a resident of Punjab province.
- The applicant must possess a residential plot measuring 5 marla in urban areas or 10 marla in rural areas.
- Must be registered with NSER and have a Poverty Score (PMT) of 60 or below.
- The applicant must not already own a constructed house.
- The applicant should not have taken any loans from other housing schemes.
- The applicant must refrain from engaging in any criminal or fraudulent activities.
- Monthly income must fall within the low-income bracket.
How to Apply Online (Step-by-Step)
To make the registration process easier and faster, the government has set up an online portal:
Step 1: Visit the Official Website
Go to the official website:
🔗 https://acag.punjab.gov.pk
Step 2: Create Your Account
Click on the “Register” button and fill in basic information such as
- Full Name
- CNIC Number
- Mobile Number
- Email Address
- Password
- Select Division, District, and Tehsil
After completing the form, submit it and verify your account using the code sent via SMS or email.
Step 3: Complete the Eligibility Form
After logging in, you’ll be required to fill out an eligibility certificate form that checks whether you meet the criteria for the scheme.
You will need to provide
- Plot details (address, ownership documents)
- Income certificate
- NSER or BISP registration details
- Photocopy of CNIC
- Family details
Step 4: Submit the Application
Once the qualifying check is complete, you can confidently apply for the loan. Please submit your application by providing all the necessary documents.
You will receive a tracking ID for future reference.
Read Also: How to Check Your Eligibility for the BISP Ehsaas Kafalat Program
What Happens After Applying?
After submission:
- Your application will be verified through PHATA and district offices.
- If we find your loan eligible, we will approve it.
- You will receive a confirmation message or call for the disbursement schedule.
- Your house’s construction stages will determine the release of funds.
Helpline and Support
For assistance, you can call the toll-free number:
📞 0800-09100
You can also visit the nearest PHATA office in your district for help with registration and form submission.
Final Words
The Apni Chhat Apna Ghar Scheme 2025 provides a significant opportunity for low-income families in Punjab to achieve their dream of homeownership. With an interest-free loan, flexible installment plan, and easy online application process, this initiative is a major step toward housing equality in Pakistan.
For more information, click here.