Apni Chhat Apna Ghar Scheme 2024 – Your Path to Homeownership
Apni Chhat Apna Ghar is a welfare-oriented housing scheme launched by the Government of Punjab to help low-income families build homes on land they already own. Under this initiative, eligible individuals are provided with interest-free financial assistance, making the home construction process more affordable and accessible.
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Who Can Apply?
This scheme is designed for individuals who meet the following criteria:
Must be a resident of Punjab.
Monthly household income must be less than PKR 50,000.
Must own a residential plot no larger than 5 marlas in urban areas or 10 marlas in rural areas.
Must not already own a completed residential house.
Must be registered in the NSER database with a PMT score of less than 60.
Should not be involved in any criminal cases or loan defaults.
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Documents Required to Apply
Before starting your application, make sure you have the following documents:
A valid Computerized National Identity Card (CNIC)
Legal ownership documents of the plot
A recent utility bill or official proof of current residence
A clear, passport-sized photograph of the applicant
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How to Apply – Step-by-Step Guide
1. Visit the Official Portal: Go to acag.punjab.gov.pk to begin the application process.
2. Create a User Account: Enter your name, CNIC, mobile number, email, and address. Then create a secure password.
3. Complete the Eligibility Form: Fill in your details to verify that you meet all the program’s requirements.
4. Submit Your Loan Application: Provide your personal and land information, upload the required documents, and submit your loan request online.
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Loan Details and Repayment Terms
Loan Amount: Up to PKR 1.5 million
Interest: 100% interest-free loan
Repayment Period: Spread over 7 years with an initial 3-month grace period
Use of Funds: Strictly for the construction of a house on the applicant’s own land
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Initial Launch Areas
The scheme has initially been launched in the following cities:
Lahore
Rawalpindi
Faisalabad
Sialkot
Multan
Sargodha
It will gradually be expanded to more areas across Punjab.
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Need Assistance?
Here's How to Get Help
If you encounter any issues or need guidance during the application process:
Call the Helpline: 0800-09100
Email Support: info@acag.punjab.gov.pk
Support staff are available to assist you at every step.
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Why This Scheme Matters
This initiative is a ray of hope for those who otherwise couldn’t afford to build a home. By offering interest-free loans, the government is helping thousands of deserving families achieve long-term housing security and a better quality of life.
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Final Thoughts
Apni Chhat Apna Ghar is more than just a housing scheme—it’s a life-changing opportunity for eligible citizens. If you meet the criteria and own a plot of land, don’t miss this chance to build the home your family deserves. Apply today and take the first step toward a brighter future.
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