Scheme Overview
What is Apni Chat Apna Ghar Scheme?
Apni Chat Apna Ghar is an initiative by Chief Minister Punjab Maryam Nawaz Sharif to provide affordable housing solutions to low and middle-income families across Punjab. The scheme offers interest-free loans with substantial government subsidies to make homeownership accessible to every deserving citizen.
🏠 Project Vision
To provide secure, affordable housing to low-income families with dignified living conditions and access to basic amenities.
🎯 Main Objectives
- Reduce housing shortage
- Eliminate slum areas
- Create employment opportunities
- Improve living standards
📊 Expected Outcomes
- 100,000 new homes
- Reduced overcrowding
- Better sanitation access
- Economic stability
Three Execution Models
- PHATA provides infrastructure and construction guidelines
- Developers build on state land following approved designs
- Government ensures quality control and budget compliance
- No infrastructure subsidy on state land
- Trunk infrastructure through block allocation
- Developers approved under APHS Rules 2020
- Streamlined one-window approval process
- Government provides subsidy to beneficiaries
- Payments through Escrow account
- PHATA supervises construction quality
- Official allotment after 5-year completion
- For landowners: 1-5 marla (urban), 1-10 marla (rural)
- Interest-free loans with 60% government subsidy
- Apply online at www.acag.punjab.gov.pk
- Flexible tenure: 5-7 years
- Government covers all operational costs and taxes
- Monthly installment: PKR 14,000
Eligibility Criteria
⚠️ Important Requirements
All applicants must meet the following criteria to qualify for the Apni Chat Apna Ghar Scheme. Please review carefully before applying.
✅ Basic Requirements
- Must be head of family
- Permanent resident of Punjab
- Valid CNIC with active status
- Age: 18-60 years
- No criminal record or FIR
🏡 Land Ownership
- Urban: 1-5 marla owned land
- Rural: 1-10 marla owned land
- Clear land title required
- Land must be possession-ready
- No pending legal disputes
💰 Financial Status
- PMT Score below 60%
- No financial default history
- Registered with NSER
- Low to middle-income family
- No existing housing loan
Eligible Cities & Districts
| Zone | Districts | Loan Allocation |
|---|---|---|
| Center | Bhakkar, Khushab, Layyah, Mianwali, Muzaffargarh | 3,191 Units |
| Faisalabad | Chiniot, Faisalabad, Jhang, Sargodha, Toba Tek Singh | 2,511 Units |
| North (Lahore) | Gujranwala, Hafizabad, Kasur, Lahore, Nankana, Narowal, Okara, Pakpattan, Sheikhupura, Sialkot | 48,003 Units |
| Rawalpindi | Attock, Chakwal, Gujrat, Jhelum, Mandi Bahauddin, Rawalpindi | 21,982 Units |
| South (Bahawalpur) | Bahawalnagar, Bahawalpur, Rahim Yar Khan | 16,845 Units |
| Multan | DG Khan, Khanewal, Lodhran, Multan, Rajanpur, Sahiwal, Vehari | 33,903 Units |
Online Registration Form
Fill the form below to register for Apni Chat Apna Ghar Scheme
Citizen Registration Form
Register for Interest-Free Housing Loan - ACAG Punjab
Key Benefits
💸 Interest-Free Loans
No interest charges throughout the loan period. Government bears all operational costs and taxes, making it truly affordable for middle-class families.
🎁 60% Government Subsidy
Government covers 60% of the total cost. You only pay 40% down payment in easy monthly installments of PKR 14,000.
⏰ 3 Months Grace Period
No installment payment required for the first 3 months. Start your journey without immediate financial burden.
🏗️ Quality Construction
PHATA supervises all construction to ensure high-quality materials and workmanship. Your home built to last.
📱 Easy Online Registration
Simple online application process. Register from home via website, phone, or visit registration center.
🏡 Permanent Residence
Own your dream home with full ownership rights after completing the payment plan. Security for your family's future.
Installment Plan Breakdown
| Total Loan Amount | Up to PKR 15,00,000 |
| Government Subsidy (60%) | PKR 9,00,000 |
| Your Payment (40%) | PKR 6,00,000 |
| Monthly Installment | PKR 14,000 |
| Loan Period | 5 Years (60 Months) |
| Grace Period | First 3 Months Free |
| Interest Rate | 0% (Interest-Free) |
How to Apply?
Three Easy Ways to Register
🌐 Online Registration
Website: acag.punjab.gov.pk
- Visit official website
- Click "Register Now" button
- Fill complete form
- Upload required documents
- Submit application
📞 Phone Registration
Toll-Free: 0800-09100
- Call the helpline
- Provide your details
- Operator will register you
- Receive confirmation SMS
- Follow instructions
🏢 Visit Registration Center
Location: Nearest PHATA Office
- Find nearest center
- Bring required documents
- Fill application form
- Submit to officer
- Get acknowledgment receipt
📋 Required Documents
- ✓ Valid CNIC (original & copy)
- ✓ CNIC of family head (if applicable)
- ✓ Land ownership documents (Fard, Registry)
- ✓ Domicile certificate
- ✓ Income certificate or affidavit
- ✓ Recent passport-size photographs
- ✓ Bank account details
- ✓ Contact information (phone & email)
Verification Process
After registration, PHATA will verify your application through:
Step 1: NADRA Verification
Family designation and CNIC validation through NADRA database
Step 2: PMT Score Check
Poverty score verification (must be under 60%)
Step 3: Land Verification
Ownership verification through PLRA and relevant authorities
Step 4: Final Approval
Loan approval and disbursement notification
Frequently Asked Questions
The government provides a 60% subsidy for the Apni Chat Apna Ghar program. Beneficiaries only need to pay 40% down payment through easy monthly installments of PKR 14,000 over 5 years.
The scheme targets 100,000 housing units across Punjab: 10,000 on state land (Model 1), 20,000 in private housing schemes (Model 2), and 70,000 through interest-free loans for landowners (Model 3).
For Model 3 (interest-free loans), yes, you must own land: 1-5 marla in urban areas or 1-10 marla in rural areas. Models 1 and 2 are for those without land, where government/developers provide complete housing units.
The maximum loan amount is up to PKR 15 lakh (1.5 million rupees) depending on house size and location. The government covers 60% (PKR 9 lakh), and you pay 40% (PKR 6 lakh) at PKR 14,000/month.
There is a 3-month grace period after loan approval. Installment payments start from the 4th month, giving you time to arrange finances without immediate burden.
No, this scheme is specifically for first-time homeowners from low to middle-income families. If you already own a residential property, you are not eligible for this program.
PMT (Proxy Means Test) score is a poverty assessment measure used in Pakistan. Your PMT score must be below 60% to qualify, ensuring the program benefits genuinely deserving low to middle-income families.
The verification and approval process typically takes 4-6 weeks. PHATA verifies your CNIC, PMT score, and land ownership through various government departments. You'll be notified via SMS and email.
Yes, absolutely! Women can apply as head of family, especially widows, divorced, or single women. The scheme promotes gender equality and ensures women's right to property ownership.
Yes, applicants must be between 18 and 60 years of age at the time of application. This ensures that beneficiaries can complete the 5-7 year payment plan while still in working age.
Contact Information
📞 Helpline Numbers
Toll-Free: 0800-09100
Available: 24/7
Call for registration assistance, queries, and complaints
✉️ Email Support
Email: info@acag.punjab.gov.pk
Send queries and receive detailed responses within 48 hours
🏢 PHATA Office
Punjab Housing & Town Planning Agency
Visit nearest district office for physical assistance
Important Links
Your Dream Home Awaits
The Apni Chat Apna Ghar Scheme is a once-in-a-lifetime opportunity for low and middle-income families in Punjab. With interest-free loans, 60% government subsidy, and affordable monthly installments of just PKR 14,000, owning your dream home is now within reach. Don't miss this golden chance to secure your family's future and build the home you've always wanted.
🎯 Take Action Today!
- ✓ Visit the official website: acag.punjab.gov.pk
- ✓ Call toll-free helpline: 0800-09100
- ✓ Gather required documents
- ✓ Complete your registration
- ✓ Start building your dream home!