Apni Chhat Apna Ghar Program Scheme 2025| How to Apply?

The Apni Chhat Apna Ghar Program, launched by Chief Minister Punjab Maryam Nawaz Sharif, aims to provide affordable housing to low-income families in Punjab. This initiative targets the construction of 100,000 houses over four and a half years, offering a blend of urban and rural housing solutions.

Benefits

• Affordable Housing: Provides homes at subsidized rates, with each unit costing PKR 1.5 million, where the government covers 60% of the cost, and the applicant pays 40% (PKR 600,000) in installments of PKR 26,000 over 5 years.
• Interest-Free Loans: Eligible families can access loans up to PKR 1.5 million, repayable over 7 years at PKR 14,000 per month, with a 3-month grace period for the first installments.
• Improved Living Standards: Enhances access to basic amenities like water, sanitation, and electricity, reducing overcrowding and slum dwelling.
• Economic Growth: This is expected to generate approximately 500,000 jobs through construction, providing a significant boost to the local economy.

Eligibility Criteria

• Residency: Applicant must be a permanent resident of Punjab with a valid CNIC.
• Income Level: Targets low-income families with a monthly income below PKR 50,000, prioritizing those living in rented or informal housing.
• Property Ownership: Must own a plot (up to 5 marlas in urban areas or 10 marlas in rural areas) and not own any other property.
• Family Status: Applicant must be the head of the family as per NADRA records.
• Clean Record: No criminal record or history of defaulting on bank loans.

Application Process

Online Application

1. Visit the official website: acag.punjab.gov.pk.
2. Click on the “Register” button at the top right corner.
3. Fill out the citizen registration form with your full name, CNIC number, father’s name, gender, email, mobile number, and location details (district, tehsil, city).
4. Create a secure password for your account.
5. Upload required documents: CNIC, proof of property ownership, and proof of monthly income (e.g., salary slips or bank statements).
6. Submit the application and note your login details to track your status later.

Offline Application

• Visit the registration desk at your district’s Deputy Commissioner Office.
• Carry all required documents (CNIC, proof of property, income proof).
• Submit your application in person.

Helpline

For assistance, contact: 042-99213419, 042-99213428, or 0800-09100.

Apply Link

Apply online at: acag.punjab.gov.pk.

Key Updates (As of May 2025)

• Over 28,837 families are benefiting, with 25,519 homes under construction.
• More than PKR 26.97 billion in loans have been disbursed to over 25,500 families.
• Phase 2 of the program began in February 2025, focusing on expanding housing units across Punjab’s 36 districts.

This program represents a transformative approach to secure homeownership for low-income families in Punjab, combining affordability with accessibility.