The Apni Chhat Apna Ghar Program is a great step taken by Punjab Chief Minister Maryam Nawaz Sharif. This is the first time such a big project has been launched in Punjab to help poor and middle-class people build their own homes. So far, 1,562 houses have been completed successfully. Also, the recovery of Rs. 92.4 million from issued loans shows that this project is running with full transparency.At the moment, more than 21,797 houses are almost completed, and loans worth Rs. 26.97 billion have been given to over 25,000 families. Recently, the second installment has been released to 11,500 more families, and 1,106 new loan applications have been approved. Under this program, people who own plots from 1 to 5 marla in cities and 1 to 10 marla in villages can apply for house construction loans.If you also want to benefit from this scheme and build your own house, this article will guide you completely on how to apply, who is eligible, and what steps to follow.
Table of Contents
Eligibility Criteria for the Apni Chhat Apna Ghar
To apply for the Apni Chhat Apna Ghar Program, you must meet the following simple requirements:
- You must be a permanent resident of Punjab with a valid CNIC.
- You must be the owner of an empty plot: at least 5 marla in an urban area or 10 marla in a rural area.
- The applicant should have no criminal record and must not be involved in any illegal or anti-state activity.
- You must not be a loan defaulter of any bank or government institution.
The purpose of these conditions is to make sure that only honest and deserving people can take advantage of this scheme.
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How to Apply Online Apni Chhat Apna Ghar
The good news is that applying for this loan is very simple and online. Here’s how you can apply:
- Visit the official website: https://acag.punjab.gov.pk
- Create a new account using your CNIC and mobile number.
- Login to your account and accept the online affidavit by ticking the checkboxes after reading the terms.
- Fill the application form which has three parts:
- Personal and property information (your name, address, plot details, required loan amount, etc.).
- Upload necessary documents such as CNIC, property papers, etc.
- In the final part, submit your feedback (optional) and click on submit to complete the application.
ACAG Offline Registration Option – Visit Your DC Office
If you don’t have the internet or don’t know how to use a computer or mobile, don’t worry. The Punjab Government has also set up special registration desks in the offices of Deputy Commissioners in all districts. You can visit the nearest DC office, fill out the form, and submit your documents there. This facility is especially for those citizens who are not familiar with online systems.
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ACAG Helpline and Contact Info
If you face any problem while applying online or want to ask any questions, you can contact the official helpline of the ACAG program:
- Phone Number: 042-99213419, 042-99213428
- Email Address: info@phata.punjab.gov.pk
You can call during office hours for help or register your complaint if needed.
Final Words
The Apni Chhat Apna Ghar Program 2025 is a golden opportunity for people in Punjab who want to build a house but don’t have enough money. The government is helping families by providing easy loans with transparency and support. Whether you want to apply online or offline, the process is very easy and designed for everyone.
If you meet the eligibility criteria and have your documents ready, apply now and take the first step towards your own home. For any more help or questions, feel free to ask in the comments below or contact the helpline numbers provided.