Apna Ghar Apni Chhat Scheme
Apna Ghar Apni Chhat Scheme: The Punjab government has launched a major housing scheme for low-income families called the “Apni Chhat Apna Ghar” scheme. The aim of this program is to provide interest-free loans to people who do not have their own house but own land and wish to build a house.
Eligibility Requirements for the scheme
If you also want to build your own house by getting a loan from Apna Ghar apni Chat Scheme, then you have to meet the following conditions.
If you want to benefit from this scheme, the following conditions must be met:
- Must be a Pakistani citizen and a permanent resident of Punjab.
- Applicant must have a plot of at least 5 Marla (urban) or 10 Marla (rural) in their name.
- The income limit should be limited, usually less than Rs. 50,000 per month.
- Applicant should not have any existing house or property in their name.
- Applicant should not have any criminal record or defaulter status.
- Widows, disabled persons, orphans, or weaker sections are given preference.
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Required Documents
You will need the following documents while applying for the scheme:
- National Identity Card (CNIC)
- Plot ownership papers (Registry, Individual, Death)
- Income proof (Salary slip, Shop license, or Bank statement)
- Residence proof (Utility bill or Tenancy agreement)
- Application form (Online or obtained from the office)
How to apply
Online method:
- Visit the official website of the scheme (acag.punjab.gov.pk).
- Create a new account and fill out the form.
- Upload your information and documents.
- Submit the form and wait for the confirmation message.
Offline method:
If you do not have internet access, you can get the application form from the nearest Deputy Commissioner’s Office or Housing Department and submit it.
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Loan Details
- Loan Amount:
Maximum Rs. 15 lakh
- Repayment Period:
7 years
- Monthly Installment:
Average Rs. 10,000 to 14,000 (depending on income)
- Interest:
No, this loan is completely interest-free
Loan Distribution:
Will be given in installments according to the construction stages
When and how will the loan amount be received
| Stage | Details |
| Loan Disbursement | In phases, based on construction milestones |
| Installment Stages | Foundation → Roof → Plaster → Completion |
| Repayment Starts | After 3 months of receiving the first loan |
| Repayment Period | Up to 7 years (84 months) |
| Monthly Installment | Approx. PKR 10,000 – 14,000 |
| Interest Rate | 0% – Completely interest-free |
| Payment Method | Bank deposit, mobile banking, or partner centers |
The full loan must be repaid within 7 years
What are the benefits of this scheme?
- Get interest-free loans
- Installments are easy and repayable over a long period
- Full transparency under the supervision of the government
- Special incentives for the weaker sections
- A real opportunity to fulfill the dream of building your own home
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Conclusion
“Apni Chhat Apna Ghar” scheme is a ray of light for thousands of families who have been wishing for a personal home for years, but a lack of financial resources prevents them from fulfilling this dream. If you meet all the conditions of this scheme, then register today and lay the foundation of your home.
“اپنی چھٹ اپنا گھر” اسکیم ان ہزاروں خاندانوں کے لیے روشنی کی کرن ہے جو برسوں سے ذاتی گھر کے خواہشمند ہیں، لیکن مالی وسائل کی کمی انہیں اس خواب کی تکمیل سے روکتی ہے۔ اگر آپ اس اسکیم کی تمام شرائط پر پورا اترتے ہیں تو آج ہی رجسٹر ہوں اور اپنے گھر کی بنیاد رکھیں۔