Punjab Apni Chhat Apna Ghar Scheme Home Loan Quotas

Punjab’s Chief Minister, Maryam Nawaz, has announced an ambitious plan to provide 15 lakh rupees in loans to 70,000 families across Punjab under the “Apni Chhat Apna Ghar” scheme.

This initiative aims to help people build their own homes, addressing a fundamental need for many. The loan will be offered in easy installments over seven years, and the Punjab government will also cover the taxes on home construction.

If you own a plot of land—up to 5 marlas in urban areas or 10 marlas in rural areas—you may qualify for this program. If you’re interested in applying, the process is straightforward, and we’ve detailed it below.

Are You Eligible for the “Apni Chhat Apna Ghar” Loan?

To qualify for the 15 lakh rupees interest-free loan under this scheme, you need to meet certain eligibility criteria. The loan, which is repayable in monthly installments of about 14,000 rupees over seven years, is aimed at individuals who meet the following conditions:

Income: Your monthly income should be less than 60,000 rupees.
No Other Benefits: You should not be receiving benefits from any other government schemes.
Home Ownership: You must not already own a home.
Financial Need: Your income should be low enough that you struggle to meet basic needs.
Employment: You should not be a government employee.
Age: You must be over 18 years of age.
Residency: You must be a resident of Punjab.
Criminal Record: You must not have any criminal record.
Poverty Score: Your poverty score should be below 30%.

Required Documents for Registration

If you’re eligible and want to apply, you’ll need to submit several documents to the Punjab government. These documents help verify your eligibility for the loan. Here’s what you’ll need:

Property Proof: Documentation proving ownership of the land where you plan to build.
National Identity Card: Photos of the front and back of your CNIC, approved by the Government of Pakistan.
Photograph: A recent passport-sized photo of yourself.

How to Apply: Step-by-Step Guide

Applying for the “Apni Chhat Apna Ghar” scheme is easy, thanks to the online portal set up by the Punjab government. Here’s a simple guide to help you through the process:

Visit the Official Website: Go to https://acag.punjab.gov.pk/.
Create an Account: If you’re a new user, create an account using your CNIC, phone number, address, and a password.
Log In: Once your account is set up, log in using your CNIC number and password.
Agree to Terms: Review and agree to the terms and conditions by ticking the relevant box.
Provide Personal Details: Fill in your personal details, such as your phone number, address, CNIC number, father’s name, occupation, and monthly income.
Submit Property Information: Enter details about your property, including its location and type.
Upload Documents: Upload the required documents, including photos of your CNIC and property proof.
Submit Application: Finally, submit your application and wait for a confirmation message regarding your eligibility.

District-Wise Loan Quota Explained

Maryam Nawaz has introduced a district-wise quota system to ensure fair distribution of loans under the “Apni Chhat Apna Ghar” scheme. Each district in Punjab will have a set number of loans allocated to it. If more applications are received than the district’s quota allows, the loans will be distributed through a lottery system.

Why “Apni Chhat Apna Ghar” Matters

The “Apni Chhat Apna Ghar” program is a major step towards providing affordable housing for 70,000 families in Punjab. The government is making it easier than ever to own a home by offering loans repayable in easy installments over seven years. If you’re ready to take the next step toward homeownership, visit the official website https://acag.punjab.gov.pk/ to start your application today. Don’t miss this chance to secure a 15 lakh rupee loan from the Punjab government and build the home you’ve always wanted.