The “Apni Chhat Apna Ghar Scheme” is a major initiative launched by Punjab Chief Minister Maryam Nawaz Sharif. This scheme aims to help poor and low-income families in Punjab build their own houses without the financial stress of interest.
The main benefit is a substantial loan—up to 15 Lakh Rupees (PKR 1.5 Million)—provided specifically for house construction. The best part is that this loan is completely interest-free (Zero-Interest). The Punjab government covers the interest charges, so you only have to pay back the original amount borrowed.
The Loan and Repayment Details
- Loan Amount: You can receive up to PKR 15,00,000. This money is strictly for constructing a new house on land you already own.
- Cost: The loan has Zero Interest.
- Repayment Period: The loan is paid back over 7 years.
- Affordable Installments: The long repayment period keeps the monthly installment very low (around PKR 14,000 to PKR 15,000), making it affordable for low-income families.
Who is Eligible for the Apni Chhat Apna Ghar Scheme?
To make sure only genuinely needy families benefit, you must meet all the following requirements:
| Rule | Simple Explanation |
| Residency | You must be a permanent resident of Punjab. Your CNIC must confirm your Punjab address. |
| No Existing Home | You, your husband/wife, or children must not own any other house, flat, or residential plot anywhere in Pakistan. |
| Own a Plot | You must already own a piece of residential land where you plan to build the house (maximum 5 Marla in cities, 10 Marla in rural areas). |
| Poverty Score | You must be registered in the PSER Survey, and your official poverty score (PMT score) must be less than 40% (or 60%). |
| Financial History | You must not have any outstanding loan from any bank and must have a clean financial record. |
| Family Head | You must be registered as the Head of the Family in NADRA records. |
How to Apply Online For Apni Chhat Apna Ghar Scheme
The entire application process is done online through the official Punjab government portal. Follow these steps carefully:
Step 1: Prepare Your Documents
Before you start filling the form, gather clear digital photos or scans of these necessary documents:
- CNIC (Both Sides): Your own and your husband’s/wife’s ID card (front and back).
- Applicant Photo: A recent passport-size picture of yourself.
- Income Proof: Your monthly salary slips or an official income certificate showing your earnings.
- Plot Ownership Papers: Legal documents (like registry papers or Fard) that prove you legally own the plot of land.
Step 2: Access the Registration Portal
- Open the Website: Go to the official government portal: acag.punjab.gov.pk.
- Start Application: Look for and click the “Apply Now” or “Registration” button.
- Create Account: You will need to register by entering your CNIC Number, Mobile Number, Email Address, and creating a strong Password.
- Log In: After successful registration, log in using your registered email/CNIC and password.
Step 3: Fill the Detailed Application Form
Once logged in, you will fill out the main application form:
- Personal Information: Enter your complete name, CNIC details, and your current address in Punjab.
- Eligibility Confirmation: The website will present legal statements. You must confirm that you meet all the eligibility rules (e.g., you do not own another house). Be truthful, as this information will be verified against official databases.
- Family Details: Enter the required details for your husband/wife (CNIC, name, etc.).
- Income Details: Enter your accurate monthly household income and confirm your occupation.
- Plot Information: Provide all details about your land: the exact size (Marla), the city/village, and confirm that you need the loan for construction.
- Loan Request: Specify the amount of loan you are requesting, up to the maximum of PKR 15 Lakh.
Step 4: Upload Documents
- Go to Upload Section: Navigate to the ‘Document Upload’ section of the form.
- Attach Files: Upload the pictures/scans of the documents you prepared in Step 1 into the correct boxes:
- Upload your CNIC photos.
- Upload your Income Proof.
- Upload your Plot Ownership Papers.
Step 5: Final Submission and Tracking
- Review: Take time to review every piece of information you have entered. Any mistake could lead to rejection.
- Submit: Click the “Submit” button to send your application to the government. Make sure to save the Application ID Number provided after submission.
- Verification: Your application will go through a deep check against NADRA, PLRA (Land Records), and NSER databases to confirm your identity, land ownership, and poverty score.
- Notification: You will be informed via SMS or through the online portal if your application has been approved.
What Happens After Approval?
- Loan Release (In Phases): If you are selected (often through a transparent computerized ballot), the 15 Lakh loan is not released all at once. It is given to you in installments (tranches). For example, the first part is released for the foundation, and the next part is released only after inspectors confirm the foundation is complete.
- Start Repayment: Your easy monthly installment payments will begin after a short grace period (usually 3 months) once the loan is released.
This “Apni Chhat Apna Ghar” Scheme is a life-changing opportunity for poor families in Punjab to achieve stability and security by owning their own home.
Also Apply for Assan Karobar Scheme
Apni Chhat Apna Ghar Scheme: Frequently Asked Questions (FAQs)
General Information
Q: What is the main purpose of the “Apni Chhat Apna Ghar” scheme? A: The main purpose is to provide financial help to poor and low-income families in Punjab so they can build their own houses.
Q: Who launched this scheme?
A: This scheme was launched by the Chief Minister of Punjab, Maryam Nawaz Sharif.
Q: Is this scheme for all of Pakistan? A: No, this scheme is specifically for the permanent residents of Punjab province.
Loan and Repayment
Q: How much loan can I get under this scheme?
A: You can get an interest-free loan of up to 15 Lakh Rupees (PKR 1,500,000).
Q: Does the loan have any interest or markup?
A: No, the loan is completely interest-free (Zero-Markup). The Punjab government covers the entire interest cost.
Q: How long do I have to repay the loan?
A: You must repay the loan over a period of 7 years (84 months).
Q: How often do I make payments?
A: You make payments through small, easy monthly installments.
Q: When does the repayment start?
A: Repayment usually starts after a short grace period of about three months, giving you time to begin construction.
Eligibility and Plot Requirements
Q: What is the most important rule for eligibility?
A: The most important rule is that neither you nor your spouse should own any other house or residential property in Pakistan. This scheme is for first-time homeowners.
Q: Do I need to already own a plot of land?
A: Yes, you must already own a plot of land where you plan to build the house. The loan is only for construction, not for buying land.
Q: What is the maximum size of the plot allowed?
A: The plot size must be small: up to 5 Marla in urban (city) areas and up to 10 Marla in rural (village) areas.
Q: How does the government check if I am poor enough?
A: The government checks your status through the PSER Survey and your Poverty Means Test (PMT) score. Your score must be less than 40% (or 60%, depending on the criteria) to qualify.
Application Process
Q: Where can I apply for the loan?
A: You must apply online through the official government portal: acag.punjab.gov.pk.
Q: What documents should I have ready before applying?
A: You need clear pictures/scans of your CNIC (front and back), your spouse’s CNIC, your proof of monthly income, and your legal plot ownership papers.
Q: How is the loan money released after approval?
A: The 15 Lakh loan is released in installments (phases). The next installment is only given to you after government inspectors check and confirm that the previous construction work is complete.
Q: How will I know if my application is approved?
A: You will be notified via SMS on your registered mobile number and through the official online portal.
For More Information
https://acag.punjab.gov.pk/index.aspx
Apply Online
For Apply online for Apni Chhat Apna Ghar Program fill this form Citizen Registration Form.
