Apni Chhat Apna Ghar Program 2025 – A Complete Guide

Introduction

Owning a home is a dream for many, but financial constraints make it difficult for low-income families. Understanding this need, the Government of Punjab, under CM Maryam Nawaz’s leadership, has launched the “Apni Chhat Apna Ghar” program in 2025. This initiative aims to provide interest-free home loans to deserving families, ensuring they have a roof over their heads.

If you’re looking to apply for this program, this guide covers  eligibility criteria, step-by-step application instructions, and FAQs  to help you through the process.

How does Apni Chhat Apna Ghar work??

The  Apni Chhat Apna Ghar  program is a  housing scheme  that provides interest-free loans up to  PKR 15 lakh (1.5 million)  for home construction or purchase. The repayment is spread over  9 years  with easy monthly installments of  PKR 14,000.

The Punjab government aims to construct 100,000 affordable housing units  under this program.

Eligibility Criteria

There are a few conditions applicants must meet in order to be eligible for this program:

•  Must be a resident of Punjab, Pakistan
•  Should  not own any property  in their name
•  Must belong to the  low-income category  (as defined by the Punjab Government)
•  Have a  valid CNIC (Computerized National Identity Card)
•  Be  employed/self-employed  with an ability to pay the monthly installment

How to Apply for Apni Chhat Apna Ghar – Step-by-Step Guide

Here’s how you can apply for this housing loan:

Step 1: Visit the Official Website

For more information about this scheme, go to https://acag.punjab.gov.pk.

Step 2: Create an Account

– Click on “Apply Now”

– Enter your  CNIC number  and  mobile number 

– Create a password and  verify your account  via OTP

Step 3: Fill Out the Application Form

– Enter personal details (name, address, income status, etc.)

– Provide employment details (job type, monthly income, etc.)

– Choose the type of housing assistance  you need (construction/purchase)

Step 4: Upload Required Documents

You’ll need to upload scanned copies of:

1. CNIC (Front & Back)
2. Income certificate or salary slip
3. Rent agreement (if applicable)
4. Utility bill (latest)

Step 5: Submit the Application

– Review all details carefully

– Click  Submit  and note down your  Application Reference Number 

Step 6: Verification & Approval

The Punjab Government will verify your documents and income status. If approved, you will be contacted via SMS/email for further process.

Step 7: Loan Disbursement

Upon approval, the loan amount will be transferred to your provided bank account.

You Can Also Apply:

CM Punjab laptop scheme 

‘اپنی چھت اپنا گھر’ پروگرام وزیر اعلیٰ پنجاب مریم نواز کی قیادت میں شروع کیا گیا ایک اہم اقدام ہے، جس کا مقصد صوبے میں کم آمدنی والے خاندانوں کو سستی رہائش فراہم کرنا ہے۔ اس پروگرام کے تحت، اہل افراد کو 15 لاکھ روپے تک کے بلاسود قرضے دیے جاتے ہیں، جن کی واپسی 9 سال کی مدت میں ماہانہ 14,000 روپے کی آسان اقساط میں کی جا سکتی ہے۔

اہلیت کے معیار:

درخواست دہندہ پنجاب کا رہائشی ہو۔

درخواست دہندہ کے نام پر پہلے سے کوئی جائیداد نہ ہو۔

آمدنی کا ثبوت فراہم کرنا ہوگا۔

درخواست کا عمل:

سرکاری ویب پورٹل acag.punjab.gov.pk پر جائیں۔

اپنا CNIC نمبر اور دیگر مطلوبہ معلومات فراہم کرکے اکاؤنٹ بنائیں۔

ضروری دستاویزات، جیسے شناختی کارڈ اور آمدنی کا ثبوت، اپ لوڈ کریں۔

درخواست جمع کروائیں اور تصدیقی عمل کا انتظار کریں۔

مزید معلومات اور رہنمائی کے لیے، ہیلپ لائن 0800-09100 پر رابطہ کیا جا سکتا ہے۔

اس پروگرام کا مقصد صوبے میں 100,000 سستی مکانات کی تعمیر ہے، جس سے بے گھر افراد کو رہائش کی فراہمی اور معاشی ترقی میں مدد ملے گی۔

You Can Also Apply:

CM Punjab Assan Karobar Card

(FAQs)

Can I apply if I am self-employed?

Yes, but you need to provide proof of income (bank statement, tax return, or business registration document).

Is there an application fee?

The application process is free of charge.

How will I know if my application is approved?

As soon as your application is processed, you will receive a SMS or email notification.

What if I miss an installment?

Missing multiple installments may lead to penalties or disqualification from the program.

Can I apply for this program if I already own a house?

No, this scheme is  only for first-time homeowners 

Final Thoughts

The  Apni Chhat Apna Ghar  program is a  golden opportunity for low-income families  in Punjab to fulfill their dream of owning a house. If you meet the eligibility criteria, don’t miss out on this chance to  apply for an interest-free loan  and secure your future!

Apply now and take the first step toward your dream home!

For more details, visit [https://acag.punjab.gov.pk](https://acag.punjab.gov.pk) or call the helpline **0800-09100**.