The Apni Chhat Apna Ghar Program is a special project started by the Punjab government under the direction of Chief Minister Maryam Nawaz Sharif. This program helps people in Punjab build their own homes by offering them loans. Many houses have already been completed, and thousands of families have received money to start building. This article will explain who can apply, how to apply online, and what to do if you can’t use the internet. If you want to build your house through this program,
| Key Area | Details |
| Total Houses Completed | 1562 homes built |
| Total Loans Issued | Over Rs. 26.97 billion to 25,000+ families |
| Online Registration Website | https://acag.punjab.gov.pk/ |
| Offline Registration | Deputy Commissioner Office in each district |
What is the Apni Chhat Apna Ghar Program?
The Apni Chhat Apna Ghar Program is a home loan scheme started in Punjab to help families build houses on their own plots. The Punjab government gives loans to people who own land but don’t have enough money to build a house. So far, 1562 houses have been completed under this program. Over 21,000 houses are near completion, and loans worth billions have been issued. This program is transparent and works quickly. It is a great help for low-income families who want to live in their own home.
Eligibility Criteria for ACAG Home Loan Program
To apply for the Apni Chhat Apna Ghar Program, you need to meet some basic conditions. These rules are set by the Punjab government to make sure only the right people benefit from it.
- You must be a permanent resident of Punjab and have a valid ID card.
- You should own a plot: 5 marla in cities or 10 marla in villages.
- You must not have any criminal record.
- You should not owe money to banks or other financial institutions.
These rules help make sure only honest and eligible people get support from the government.
How to Apply Online for Apni Chhat Apna Ghar Loan
The process to apply online for the Apni Chhat Apna Ghar Program is very simple. Anyone with internet access can apply easily from home.
- Visit the official website: https://acag.punjab.gov.pk
- Create an account using your basic information.
- Login and accept the conditions shown in the affidavit.
- Fill in the form with personal details, property information, and loan needs.
- Upload scanned documents like CNIC and property proof.
- Submit the application after reviewing it.
This step-by-step method allows anyone to apply without going to an office or paying any agent.
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Offline Registration for People Without Internet
If you cannot apply online, don’t worry. The Punjab government has also provided an offline way to apply for this housing loan program. You can go to the office of the Deputy Commissioner in your district. There, special registration desks have been set up to help people who don’t have access to the internet or don’t know how to use computers.
At the registration desk, you need to submit all your documents and fill out the form manually. The staff will guide you through the whole process. This system ensures that no one is left behind just because they can’t apply online.
Important Documents Needed to Apply
To apply for this program, whether online or offline, you need to prepare some documents first. These papers are required to prove your eligibility and process your application correctly.
- Copy of CNIC (National Identity Card)
- Ownership papers of the plot
- Proof that you are not a defaulter of any bank
- A recent photo
Make sure all documents are clear and correct. Without these documents, your application may not be accepted or could be delayed.
Why This Program is a Good Opportunity
The Apni Chhat Apna Ghar Program is a golden chance for families in Punjab who have land but no home. It supports poor and middle-income families and helps them get their own house without facing too much financial pressure. This program is fair and open, and the process is simple. Both online and offline methods make it easy for all types of people to apply. The government has done a good job by making home-building easier for everyone through this useful scheme.
Also Read: BISP Payment Validation Process for April 2025 Latest Update
Conclusion
In this article, we are sharing all the details about the Apni Chhat Apna Ghar Program for April 2025. You now know the full process to apply for the home loan—both online and offline. We also discussed who can apply, what documents are needed, and why this program is helpful for families in Punjab. If you want to build your home, this is a great opportunity to get support from the government. Follow the steps properly and get ready to start your journey to your own home.
FAQs
Can I apply if I already have a small house but want to build a better one?
No, this program is only for people who don’t have any built house and own an empty plot.
Can women apply for the loan under their name?
Yes, if the plot is in the woman’s name and she meets the criteria, she can apply.
What happens after I submit my application?
After submission, your documents will be reviewed. If approved, the loan process will start, and you will be informed by the program team.