Last updated on August 8th, 2025 at 12:23 pm
Do you want to build your own house, but the rising inflation prevents you from fulfilling your dream? The Punjab government has resolved your problem by launching the Apni Chhat Apna Ghar scheme 2025. This scheme aims to offer interest-free home loans to low-income families in Punjab. You can apply online or offline. The scheme provides affordable houses with no hidden charges. The Punjab government houses loan is available with a seven-year Repayment plan, making house ownership accessible.
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Understanding Apni Chhat Apna Ghar Scheme 2025 ?
The Apni Chhat Apna Ghar Scheme 2025 is part of the CM Housing Scheme Punjab, which was introduced to assist households earning less than PKR 60,000 per month. This government housing scheme offers easy payment options to homeowners Each house costs PKR 1.5 million and is available to beneficiaries at a 60% government discount.
Apni Chhat Apna Ghar scheme 2025 – Key Highlights
here are the key features of the Apna Ghar Apne scheme
1. 7-Year Loan with Grace Period;
- This scheme offers easy monthly installments of 7 years.
- The monthly installments are limited to Rs. 14,000.
- There is a three-month grace period in which no loan repayments are required, allowing families to adjust financially.
2. No interest and hidden charges:
- ACAG 2025 scheme provides interest-free loans to qualified families, making their house ownership more accessible.
- Punjab’s Chief Minister, Maryam Nawaz Sharif, has instructed officials to set up payment plans with small down payments and affordable monthly installments of 14,000 rupees.
3. Affordable Homes with 60% Subsidy:
- Each house is worth Rs. 1.5 million
- Loan Amount: Up to 15 lakh rupees
- The initiative provides a 60% government subsidy on housing costs, reducing the financial burden on beneficiaries as they pay only 40%.
4. Required Documents:
- CNIC Copy: Photocopy of your Computerized National Identification Card
- Proof of Income: Salary slip, Tax slip, or any other document that shows your income.
- Domicile Certificate: Domicile certificate is required to prove your residence in Punjab, Pakistan.
- Employment Certificate: You must have a Job Certificate from the Office to validate your job status.
5. Wide coverage and implementation:
- The Apna Ghar Apni Chhat Scheme 2025 will construct 50,000 apartments as part of its first phase. The program aims to build a total of 100,000 apartments throughout Punjab
- The initial objective of the scheme is to build 3,000 apartments in each district.
- In the initial fee, Multan, Faisalabad, Sialkot, and Sargodha, Under the Apna Ghar Apna Roof Scheme, My Partons will have all the basic amenities of life such as electricity, water, and sanitation. Prototype houses will be built in the first few weeks to check the design and functionality. and Rawalpindi will be given more importance.
6. Accommodation and benefits:
- The houses built under the Apna Ghar Apna Chhat Scheme will have all the basic amenities of life such as electricity, water, and sanitation.
- Prototype houses will be built in the first six weeks to check the design and functionality.
7. Easy Online and Offline Applications:
Apni Chhat Apna Ghar scheme 2025 provides both online and offline application opportunities for your convenience
- Those who can avail of the Net facility can register their application through the official website portal https://acag.punjab.gov.pk/
- People who are unable to access the internet can register their application through a designated phone number 0800-09100 and can get an interest-free loan for house construction.
Apni Chhat Apna Ghar scheme 2025: Eligibility Requirements
Only residents of Punjab who meet the following criteria will receive interest-free loans through the government:
- The applicant must be the head of their immediate family according to NADRA records.
- They should be a permanent Punjab resident as shown on their CNIC.
- The applicant must own land of 5 Marla or less in cities, or up to 10 Marla in rural areas within Punjab, where they plan to build their home
- Applicant should not have a criminal record such as being convicted for anti-state, anti-social activities heinous crimes, etc.
- The applicant must not have any unpaid loans or debts with banks or financial institutions.
- An applicant is registered with the National Socio-Economic Registry (NSER) in a household having a PMT score of 60 or less.
How to Apply Online for the Apni Chhat Apna Ghar scheme 2025
1. Visit the official Apna Ghar Scheme Portal.
Start your application by visiting the official website at Acag.punjab.gov.pk for the Apna Ghar scheme. The website is easy to use and provides complete information about the program
2. Register on the portal.
Now click on the register button and enter your personal information like your name CNIC number, residential address, and personal address. Provide all information correctly so that you avoid any complications in your application process.
Once you register, you’ll get a verification form that requires you to confirm your details in each category to prove your eligibility.
3. Complete the application form.
After registration, you have to fill up the online application form completely. This form will ask questions about your family work and the type of home you require. Answer these questions with detail and actively so that you can qualify for this plan.
4. Submit your application.
As soon as you fill out the form, double-check all the information to confirm that everything is correct. After that, submit your application form. You will receive a confirmation message via SMS and email which will indicate that your application process has been successfully submitted
5. Track the status of your application.
You can visit this site at any time to check the progress of your application. This will keep you side-up updated with the status of your application and provide peace of mind
Tips for Successful Application
- Be Honest: Include correct facts throughout your application. Any mistakes might result in disqualification.
- Demonstrate need: Clearly describe your existing living circumstances and why you want assistance.
- Meet deadlines: Submit your application on time to be part of the scheme.
- Stay informed: Keep checking their official website frequently to be aware of any updates changes or announcements in the plan.
- Seek Help If Needed: If you have any query related to this application procedure, please call the helpline number or visit the government office for assistance.
What Will Happen After Approval?
- As soon as your loan is accepted, you will receive an official message about your loan information.
- After which you will have to select a house in your district from one of the available options, and the loan amount will be sent directly to the building business or housing authority.
- You just have to make monthly regular payments agreed-upon timetable.
FINAL THOUGHTS:
In conclusion, the CM Apni Chat Apna Ghar Scheme 2025 is a significant opportunity for low-income families in Punjab to own a home without the burden of interest. With both online and offline application methods available, eligible families earning less than 60,000 Rs can easily apply and secure their future.
Visit Acag.punjab.gov.pk now to apply and begin your journey to owning a safe, affordable family home.
FAQS:
How many houses will be built under the Apni Chhat Apna Ghar scheme2025?
The Punjab government has planned to create 100,000 houses around the province of Punjab. In the initial phase of this scheme, 3 thousand houses of Punjab will be constructed in each district of Punjab
What will be the financial value of each house built under this scheme?
The price of the apartment will be 1.5 million, the government will pay 60% of this amount and the remaining 40% has to be paid by the buyer. which has to be given in seven years,
Can I Apply for the Apni Chhat Apna Ghar scheme2025?
This program will give priority to those families whose income is less than 50 thousand and who are living in rented houses. those who already have their own house are not eligible for this program.
- Applicant must have CNIC,
- if you are a permanent resident of Punjab.
- Applicant must have no criminal record
- Applicant has no plot from Govt.
- The applicant has a 5-marla plot in an urban area or a 10-marla plot in a rural area where he can construct his house under the project.
What cities should be targeted in the Apni Chhat Apna Ghar scheme2025?
In its initial phase, this scheme will target six major cities of Punjab whose list number is below:
- Lahore
- Rawalpindi
- Faisalabad
- Sialkot
- Multan
- Sargodha
What is a payment plan for the Apni Chhat Apna Ghar scheme 2025?
The government will pay 60% of the cost of the construction of the house, while the remaining 40% will be paid by the buyer in 7 years.
Where will the be house located in Apna Ghar Apne Chhat scheme?
- Rawalpindi: Near FMC Central Park, covering 142 canals and accommodating 1,728 houses
- Sialkot: Near Pasror Road and Sialkot Public School Road, covering 120 canals and accommodating 1,184 houses
- Faisalabad: Near Iqra International Institute, covering 78 canals and accommodating 960 houses
- Sargodha: Near Royal Orchard, covering 59 canals and accommodating 704 houses
- Lahore: Raiwind Road near Bahria Orchard Adjacent to Chanar Bagh, covering 120 canals and accommodating 1,184 houses
How to Submit Apni Chhat Apna Ghar scheme 2025 application?
Chief Minister Maryam Nawaz has inaugurated the online portal of Apni Chhat Apna Ghar scheme 2025, so those who have the facility of the online net can apply through this portal https://acag.punjab.gov.pk/, and those who do not have the opportunity of the internet can contact this number 0800-09100
What if I have problems while registering?
If you face any issues, you can contact the helpline at 042-99213419, 042-99213428, or 0800-09100 or email info@phata.punjab.gov.pk.
