Every person in Pakistan is worried about the house rent and accommodation issues. Due to inflation the rent of a reasonable house has increased and the basic facilities like water, gas and sewerage system are also the problem. So keeping in view the Government of the Punjab has launched an affordable housing loan scheme for the lower and middle income residents of the Punjab. Apni Chat Apna Ghar Program is basically designed for those person who can’t built their own home through their income/savings. CM Punjab Maryam Nawaz Sharif has announced this Government Housing Scheme for the Punjab citizen living in cities and in villages also. In this article we will guide you about CM Punjab Housing Scheme with detail.
What is the Apni Chat Apna Ghar Program?
Apni Chat APna Ghar is basically a housing loan initiative launched by CM Punjab Maryam Nawaz Sharif for the low-income families across Punjab who are not in a position to build their own dream homes. They are living in rented houses/flats , sharing the residence with their families. The basic goal is to build 100000 houses across the Punjab within 4 years.
This Program is supervised by Housing Urban Development and Public Health Department (HUD & PHED) and carried out by Punjab Housing & Town Planning Agency (PHATA) fully supported by Government of Punjab.
If You are a resident of Punjab and you own a small piece of land but can’t build a house on that land or you are living in a rented home and dreaming for your own home then this scheme is launched for you.
Who Can Apply for Apni Chat APna Ghar Program ?
If you have a land of 5 Marla in a city and 10 Marla in a rural area then check your eligibility now to apply for the loan to build your own dream house.
Eligibility Criteria for Apni Chat Apna Ghar Scheme is as under:
- You must be a permanent resident of Punjab. It will be verified through your CNIC and domicile district.
- You should be your Family head according to NADRA record.
- Land up to 5 Marla in city (urban area) and up to 10 Marla in village area must be on your own name. It will be verified through the ownership documents like Fard, registry or stamp paper.
- You and your family must be registered with the National Socio-Economic Registry (NSER).
- Your PMT score should 60 or below 60. It is measured by a survey already conducted by Punjab Government.
- You should not availed any loan prior to this application. You should not be defaulter from any bank or financial institution.
- No criminal record against your name.
- The applicant should not own a house till applying for this loan.
These are the basic rules/ eligibility requirements you must check before applying for the CM Punjab “Apni Chat Apna Ghar Program”.
Apni Chat Apna Ghar Required Documents/ Record
After Checking the above given eligibility criteria for CM Punjab Housing loan scheme “Apni Chat Apna Ghar Program” get your documents ready for the next process. Here are the basic documents/ information/ record you must have before applying for the Apni Chat Apna Ghar loan scheme 2026.
- Valid CNIC (Check expiry date ) with Spouse CNIC
- Land ownership Record ( Farad, Registry, Stamp paper )
- Domicile Certificate showing you are resident of a district of Punjab
- Income Certificate with complete Job / Business details
- PMT score (NSER registration details)
- A working E-mail Id and alternate contact numbers.
- A passport size photograph
Get these documents scanned before you start online form on official portal
How to Apply Online: Apni Chat Apna Ghar Registration Guide
Now You have arranged your required documents and have scanned copy then its time to start the next process of online registration / apply. Always enter the correct information after confirming from the documents. False or bogus documents can disqualify you from this loan scheme.
Here is the step to step guide for Apni Chat Apna Ghar Housing Scheme:
- Visit the official portal i.e, www.acag.punjab.gov.pk
- Create your own account by filling the Citizen Registration Form with personal details i.e, name, father name, CNIC, Division, Ditsrict and Tehsil details. Set your password with alphabets and special character.
- Login using your registered CNIC and the password you have already set while registering yourself on ACAG portal.
- Fill the application form including all details, land ownership and family details.
- Recheck/ review the declaration certificate section of the online application. Recheck all the data you have entered and the check scanned copies of the documents again.
- Submit your application after rechecking all information.
- You will receive an application number via SMS on the mobile number you have provided in the application form.
Apni Chat Apna Ghar Loan Details
On approval of Apni Chat APna Ghar loan, the applicant have to provide two witness persons. The plot is pledged by Punjab Land Revenue Authority in favour of Government until the loan payment recovery from the applicant. A housing loan of 15 Lakh is provide in two instalments. First instalment of 7.5 lac is provided to start the home construction. Then the remaining amount of Rs. 7.5 Lac is disbursed in the applicant’s account after the verification of house construction in process. As the home is complete in all aspects the final inspection by the government officials is carried out. The applicant has to pay back all the loan without interest in 7 years in monthly instalments.
In case of full and final pre-payment of the outstanding loan amount, the borrower will be entitled to the following rebate on their outstanding principal.
| Repayment Period | Rebate |
| 1 to 3 years | ✅ 20% rebate |
| 4 to 6 years | ✅ 10% rebate |
Reference : https://acag.punjab.gov.pk/index.aspx
How To Check Apni Chat Apna Ghar Application Status
After submitting application keep checking your application status on official web portal at www.acag.punjab.gov.pk.
- Login with your CNIC and Password
- Check your dashboard it will show the current status of the application for example application submitted, under review, approved etc)
- Also check your SMS notifications daily because sometimes government sends updates about application approval/rejections on the given registered mobile number.
When the application is approved a Call may also be placed on your given mobile numbers.
ACAG Punjab Helpline Number:
For more details and queries
Contact Number (رابطہ نمبر): 042-99213419, 99213428
Email (ای میل): info@phata.punjab.gov.pk
FAQs about ACAG Punjab
- Who can apply for Apni Chat APna Ghar loan Scheme?
Ans: A resident of Punjab having Valid CNIC and must have land up to 5 or 10 Marla.
- How much loan can I get for Apni Chat Apna Ghar Program?
A loan amount of 1500000 (15Lac) is allowed for 7 years for the applicant of ACAG program initiated by CM Punjab Maryam Nawaz Sharif.
- What will be the markup or interest rate?
There is no markup on CM Punjab Apni Chat APna Ghar Program loan.
- Is there any subsidy / rebate for the ACAG loan applicant?
Yes there is 30% subsidy for those who payback there loan within 3 years and 20% subsidy for those who returns the loan amount within 5 year.
- What is the time frame of ACAG Punjab application Approval or rejection?
Processing time may vary according to the budget, verification and other financial issues.
- Can I change the plot location after approval of Loan for construction of house?
Yes but it depends on the authorities who are supervising the project. If the plot is in their jurisdiction they can adjust it.
