The Punjab government has started the second phase of the Apni Chhat Apna Ghar Scheme in April 2025. This scheme is made for low-income families who do not have their own house or land. With this scheme, they can get an easy loan to build a small home in urban areas. Chief Minister Maryam Nawaz Sharif started this project to help people live a better life. This article explains everything about the online registration process, who can apply, the benefits, and the loan structure. If you live in Punjab and need a home, this is a good chance for you.
| Point | Details |
| Loan Limit | Up to Rs. 15 Lakh |
| Loan Type | Interest-free, repayable in easy terms |
| Who Can Apply | Punjab residents without a house or plot |
| Registration Method | Fully Online via acag.punjab.gov.pk |
What Is the Apni Chhat Apna Ghar Scheme?
The Apni Chhat Apna Ghar Scheme is a government housing program. It was made for poor and middle-class families in Punjab who do not have their own home. The scheme offers loans of up to Rs 15 lakh. People can use this money to build a house between 1 to 5 marla in urban areas. The loan is given in parts, and you can return it in small monthly payments. The best part is that the whole process is done online, so people do not need to wait in long lines or visit offices.
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Achievements of the Apni Chhat Apna Ghar Scheme
This housing scheme is not just a plan—it is already helping many families in Punjab. The progress made so far is very good:
- 1562 houses have already been built and handed over.
- Around 797 more houses are almost complete.
- Loans worth Rs. 26.97 billion have been given to 25,000+ families.
- Rs. 92.4 million have already been recovered in loan repayments.
- Second loan payments have been sent to 5,500 families to continue their construction.
These numbers show the success of this scheme in helping families get their own homes.
How to Register Online for Apni Chhat Apna Ghar Scheme
The full registration process is done online at acag.punjab.gov.pk. Here is a simple step-by-step guide:
Step 1: Visit the official website.
Step 2: Click on “Register” and create your account by adding:
- Your name
- CNIC number
- Email address
- Mobile number
- District, Tehsil, and City
- A secure password
Step 3: Login and confirm if you are eligible.
Step 4: Fill in personal and property details such as:
- CNIC of yourself and your father
- Address, marital status, income, and number of family members
- Desired loan amount
Step 5: Upload your passport-size photograph and submit the form.
Eligibility Criteria for Apni Chhat Apna Ghar Scheme
To apply for this scheme, you must meet some rules set by the government:
- You must be a permanent resident of Punjab.
- You should not own any house or residential plot.
- You can apply if you want to build a house between 1 to 5 marla.
- You must be financially eligible as per government rules.
- All documents and contact information should be correct.
This scheme is made for people who are struggling to get a home of their own.
Loan Structure and Financial Help
This scheme gives loans in a simple and helpful way. You can receive up to Rs. 15 lakh in parts based on how much work is done on your house. The loan is interest-free, and you can repay it in monthly installments that are affordable. When your application is approved, you will receive the first payment to begin construction. Once you reach the next stage of building, you can apply for the second installment. This method is designed to support families step by step.
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Conclusion
In this article, we are sharing all the details about the Apni Chhat Apna Ghar Scheme Online Registration April 2025. We discussed the purpose of the scheme, how to apply online, the progress so far, loan structure, and who can apply. The registration process is simple and fully online, so it is easy for everyone. If you meet the eligibility conditions, don’t miss this opportunity to apply for a loan and build your own home. Visit the official site at acag.punjab.gov.pk and start your journey to owning a house today.
FAQs
Do I need a bank account to get the loan under this scheme?
Yes, a valid bank account is required to receive the loan installments directly.
Can I apply if I already live in a rented house?
Yes, people living in rented houses can apply as long as they don’t own a house or plot.
How many times can I apply for the scheme?
You can apply only once. Submitting more than one application may lead to rejection.
What happens if my application is incomplete?
If form is incomplete or missing documents, application may be rejected or delayed.