Punjab Government has officially started the new registration for the Apni Chhat Apna Ghar Scheme, aiming to provide interest-free loans to low-income families so they can build their own homes. This housing initiative is a major step by Chief Minister Maryam Nawaz to support deserving families who own land but lack the resources to build a house.
This program targets people living in Punjab who have a plot of land either 5 marla in urban areas or 10 marla in rural areas and want to build their own homes. Under this scheme, applicants can receive an interest-free loan of up to Rs. 15 lakh, which can be used for house construction.
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What is Apni Chhat Apna Ghar Scheme?
Apni Chhat Apna Ghar Scheme is a welfare housing project launched by the Punjab Government. Its purpose is to provide shelter to low-income families who already own land but cannot afford to build a home.
Key Features:
- Interest-free loan up to Rs. 1.5 million
- Only for permanent residents of Punjab
- Applicable to those who own 5 marla (urban) or 10 marla (rural) land
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Who Can Apply – Apni Chhat Apna Ghar Eligibility Criteria
Before applying, make sure you meet the eligibility requirements:
- Must be a permanent resident of Punjab
- Must be the head of the family (as per NADRA)
- Must own 5 or 10 marla land
- Must not already own a house
- Must have completed the PSER survey
- No criminal record or bank default
How to Register Online – Step-by-Step Process
Step 1: Go to acag.punjab.gov.pk
Step 2: Click on Register at the top right corner
Step 3: Fill out your personal details (Name, CNIC, Contact, Address, Password, etc.)
Step 4: Submit the form to create your account
Once the account is created:
- Log in with your CNIC and password
- Verify your eligibility (ownership of land, no existing home, etc.)
- Fill out the application form, which includes:
- Personal details
- Property details
- Income and employment information
- Upload required documents (CNIC front and back, land documents in JPG/PNG/PDF)
Finally, submit your form for official review.
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Offline Registration Process
If you are unable to apply online or do not have internet access, you can register offline:
- Visit your local Deputy Commissioner (DC) Office
- Go to the Apni Chhat Apna Ghar registration desk
- Bring all required documents (CNIC, land papers, etc.)
- A staff member will help you fill and submit the form
This option is especially helpful for senior citizens or people in rural areas.
Important Tips for Applicants
- Always use your own CNIC and correct information
- Keep scanned copies of CNIC and land documents
- Do not share false details; it can lead to rejection
- Use a reachable mobile number to get updates
- Check your email regularly for status updates
Final Words
The Apni Chhat Apna Ghar Scheme is a golden opportunity for people in Punjab to fulfill their dream of owning a home. If you have land but cannot afford construction costs, don’t miss this chance. Whether you apply online or offline, the process is simple and transparent.
Start your application today and take the first step toward securing a better future for your family.
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FAQs
Q1: Who can apply for the Apni Chhat Apna Ghar Scheme 2025?
A: Only permanent residents of Punjab who own 5 marla (urban) or 10 marla (rural) land and don’t already own a house can apply.
Q2: How can I apply for the Apni Chhat Apna Ghar online registration?
A: Visit the official website acag.punjab.gov.pk, create your account, and fill out the registration form.
Q3: What is the loan amount under the Apni Chhat Apna Ghar Scheme?
A: The Punjab government is offering an interest-free home construction loan of up to Rs. 15 lakh.
Q4: Is the Apni Chhat Apna Ghar loan really interest-free?
A: Yes, the construction loan under this scheme is completely interest-free.
Q5: What if I don’t know how to apply online?
A: You can apply offline by visiting your district’s Deputy Commissioner (DC) Office where staff will help you register.
Q6: What documents are required for Apni Chhat Apna Ghar registration?
A: You need to upload your CNIC (front and back) and your land ownership document.
Q7: How will I know if my application is accepted?
A: You will be contacted through the mobile number or email you provided during registration.
Q8: Can I apply if I live in a rented house?
A: No, only landowners are eligible for the Apni Chhat Apna Ghar Scheme.
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