The Government of Punjab, under the leadership of Chief Minister Maryam Nawaz, has taken a major step toward helping underprivileged families by launching the Apni Chhat Apna Ghar program. This initiative is part of a broader housing vision that aims to make home ownership a reality for thousands of low-income individuals.
Through this program, eligible citizens can apply for a Rs. 15 lakh (1.5 million) interest-free construction loan, which can be repaid over seven years in convenient monthly installments. This financial support is designed for people who already own land but cannot afford to build a house due to rising construction costs.
🌟 What is Apni Chhat Apna Ghar?
Apni Chhat Apna Ghar is a government-sponsored loan scheme focused on families who possess residential land in either urban or rural areas of Punjab. The objective is to assist them in constructing a safe and secure house without the burden of bank interest or high monthly repayments.
With a loan amount of up to Rs. 15 lakh, applicants have the freedom to build a basic, livable home for their family. The repayment structure is highly accommodating—Rs. 14,000 per month over seven years—with the added benefit of a 3-month grace period before repayments begin.
This scheme complements the “Apni Zameen Apna Ghar” program, which is aimed at people who do not own land and are eligible for free plots.
✅ Who is Eligible?
The government has defined clear criteria for applicants to ensure that only deserving families benefit from the scheme. To be eligible for Apni Chhat Apna Ghar, applicants must:
- Be a resident of Punjab with a valid Computerized National Identity Card (CNIC)
- Be registered with the National Socio-Economic Registry (NSER) and have a PMT (Poverty Means Test) score of 60 or below
- Be 18 years of age or older
- Be the head of a nuclear family, as recognized by NADRA
- Have no criminal record and no history of loan default
- Ensure that neither the spouse nor dependent children own property
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📋 Documents Required
To complete the application process, applicants need to provide the following documents:
- Valid CNIC of both applicant and spouse
- Proof of land ownership (registry or mutation)
- Domicile or utility bill to confirm Punjab residency
- NADRA-issued family certificate
- Income verification document or affidavit (especially for informal workers)
- NSER verification slip
🖥️ How to Apply
Applying for the loan is simple. The government has made the process digital and accessible:
👉 Apply online at: https://acag.punjab.gov.pk
For those without internet access, the local Deputy Commissioner’s (DC) Office has set up help desks where trained staff provide free assistance with the registration and documentation process.
There is no application fee. Applicants are advised to beware of agents or middlemen claiming otherwise.
💵 Loan Disbursement Process
Once the applicant is verified and selected, the construction loan is released in installments. The loan is interest-free and must be repaid in Rs. 14,000 monthly installments for seven years, with a 3-month grace period after the loan is approved.
This carefully designed structure ensures that families can begin construction immediately without financial strain, while still maintaining repayment discipline.
🔒 Transparency & Monitoring
To ensure fair implementation, district-level committees have been formed for monitoring and approvals. These include local government officials, civil society representatives, and members from relevant departments.
All data is verified through the Punjab Socio-Economic Registry (PSER), and any fraudulent activities can be reported through the official government helpline (0800-09100) or the Punjab complaints portal (complaints.punjab.gov.pk).
🌈 Transforming Lives with Apni Chhat Apna Ghar
The Apni Chhat Apna Ghar scheme is not just a loan—it is an opportunity. It is a chance for people to finally move out of temporary shelters and into homes they can proudly call their own. With affordability, transparency, and real social impact, this initiative is changing lives across Punjab.
If you meet the criteria and dream of having your own home, now is the time to act.
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