The Apni Chhat Apna Ghar Scheme 2025 is a groundbreaking plan by the Punjab Government to deal with the housing problem. Chief Minister Maryam Nawaz wants to make sure that low-income families in Punjab have safe, cheap housing. This project is part of her plan to do that. The new application process has begun, making it easier than ever to get interest-free loans and help from the government to build your own home.
In this article, we will provide you with the complete and updated details of the scheme, including eligibility criteria, registration steps (online and offline), required documents, and the benefits of this life-changing program.
🌟 What Is the Apni Chhat Apna Ghar Scheme?
The Apni Chhat Apna Ghar Scheme is a housing project aimed at helping land-owning citizens from underprivileged backgrounds construct their own homes. The government offers interest-free loans up to PKR 1.5 million, with easy repayment options and a flexible tenure of several years.
This scheme is part of a broader plan to build over 100,000 homes across the province in the next four years.
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✅ Key Objectives of the Scheme
- Empower low-income families to become homeowners
- Improve living standards in rural and urban areas
- Encourage legal home construction on registered land
- Promote inclusive development by giving priority to women, widows, and people with disabilities
📌 Eligibility Criteria
To apply for this scheme, applicants must meet the following conditions:
- Must be a permanent resident of Punjab
- Possess a valid CNIC
- Must not own any constructed house
- Own a residential plot (up to 5 marla in cities or 10 marla in rural areas)
- The plot must be free from any legal disputes
- Have a clean financial record (not a bank defaulter)
- Age limit: 25–55 years (priority to families)
- No requirement for NSER or Ehsaas registration
- Preference for widows, orphans, differently-abled persons, and women-headed households
🖥️ Online Registration—Step-by-Step Guide
You can now apply from the comfort of your home by visiting the official Apni Chhat Apna Ghar Scheme portal. Here’s how:
Step 1: Visit the Portal
Go to acag.punjab.gov.pk.
Step 2: Sign Up
Click on “Register” and fill in your:
- Full Name
- CNIC Number
- Mobile Number
- Email Address
- Password
Step 3: Fill out the information form.
After signing up, log in and fill in the form, which includes
- Personal information
- Land ownership details
- Family income
- Number of dependents
- Construction plans
Step 4: Upload Required Documents
You will need to upload:
- CNIC (Front and Back)
- Land registry or ownership document
- Passport-size photograph
- Proof of income (salary slip or utility bill)
Step 5: Submit and Track Application
After submitting your form, you will receive an SMS and email confirmation. You can track your application status directly from the portal.
🏢 Offline Registration—For Those Without Internet
If you do not have internet access or a smartphone, you can register offline:
- Visit your nearest deputy commissioner’s office or designated facilitation centre.
- Request the application form at the Apni Chhat Apna Ghar registration desk.
- Submit your documents manually.
- Wait for an approval SMS or phone call from the administration.
📄 Documents Required
To apply for the scheme, you will need
- Original CNIC and photocopy
- Land ownership certificate
- Recent utility bill or salary proof
- Passport-sized photograph
- Affidavit confirming you don’t own another house
💰 Financial Support & Loan Terms
The Punjab government is offering interest-free loans of up to PKR 1.5 million for house construction. Here are the highlights:
- No interest charged
- Loan disbursed in phases (linked with construction stages)
- Repayment tenure: 5 to 10 years
- Monthly instalment: Ranges from PKR 14,000 to 26,000 based on the loan amount
- Option to repay early without penalty
🧱 Construction Guidelines
Once approved, applicants must:
- Follow standardized construction designs issued by the Punjab Housing Department
- Begin construction within 6 months of loan disbursement
- Complete the house within 2 years
- Allow periodic government inspections to ensure compliance
🎯 Program Priorities
This scheme prioritises:
- Women-led households
- Widows and orphans
- Persons with disabilities
- Residents of rural or flood-affected regions
Additional benefits such as free furniture or construction materials may be provided to early applicants and those in extreme need.
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📞 Helpline & Support
For more information, contact
- Helpline: 0800-09100
- Email: info@phata.punjab.gov.pk
- Website: acag.punjab.gov.pk
You can also visit your nearest PHATA or Bank of Punjab branch for assistance.
🔚 Final Thoughts
The Apni Chhat Apna Ghar Scheme 2025 is a golden opportunity for land-owning but financially struggling families to finally build a home. With an easy online registration process, interest-free loans, and government support, it ensures dignity, security, and stability for thousands across Punjab.
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