Apni Chhat Apna Ghar Program
Punjab Chief Minister Maryam Nawaz Sharif has announced that the registration for the “Apni Chhat Apna Ghar Program” has started. Those people of Punjab who have not yet registered for the “Apni Chhat Apna Ghar” scheme should complete their registration today. The Punjab government says that it will easily provide a loan of Rs. 1.5 million to one lakh people of Punjab through the “Apni Chhat Apna Ghar” scheme, through which they will be able to start the construction of their own house.
If you have 10 marla rural or 5 marla urban land, you can visit the “ACAG Portal” of the Punjab government and submit your application. In this article, you are being informed about the complete details of the current status of the “Apni Chhat Apna Ghar” program and how you can successfully submit your application to the Punjab government. So stay connected with the article and read it from beginning to end.
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Current Status of the Apni Chhat Apna Ghar Program
The registration process is currently open. Those who meet the eligibility criteria can easily apply through the official Apna Ghar (ACAG) Portal and submit their application online. The government has also announced that the program will remain open until all slots are filled.
Apni Chhat Apna Ghar Program Land Requirement
To apply for the scheme, you must own:
- 5 marla urban land OR
- 10 marla rural land
The land must be free from any existing construction.
Eligibility Criteria of the Apni Chhat Apna Ghar Program
Applicants must fulfill the following conditions to be considered for the Apni Chhat Apna Ghar Program:
- Possess a valid CNIC issued by the Government of Pakistan.
- Be a permanent resident of Punjab.
- The construction must take place within Punjab.
- Have a mobile number registered on your CNIC.
- Not be a borrower of any bank or financial institution.
- Have no record of criminal activity.
- Own 5 marla urban or 10 marla rural land with no house built on it.
- Do not own a personal living house.
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Apni Chhat Apna Ghar Program Loan Details
The Punjab Government will provide:
- Loan Amount: Up to Rs 15 lakh
- Interest Rate: Zero (Interest-Free)
- Repayment Period: 7 years
- Installments: Monthly payments
Note: If an installment is paid late, the bank will charge a late fee.
How to Register for the Apni Chhat Apna Ghar Program Online
Follow these steps to apply:
- Visit the official ACAG Portal “acag punjab gov pk”.
- Click the Register button.
- Fill in your details:
- Full Name
- CNIC Number
- Father/Husband’s Name and CNIC Number
- Gender
- Email Address
- Mobile Network & Number
- Division, District, Tehsil, City
- Password & Confirm Password
- Click Register to create your account.
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Once registered:
- Click Login.
- Enter CNIC, Password, and Captcha Code.
- Provide personal information, contact details, and property details.
- Upload required documents:
- CNIC (front & back)
- Land photo
- Review the form and click Submit.
ACAG Portal Availability
For those who have not yet registered, the ACAG Portal is still active. You can log in and submit your application anytime before the closing date.
Apni Chhat Apna Ghar Program Selection Process
After the application deadline:
- The Punjab Government will conduct an electronic draw.
- Eligible applicants will have their names added to the draw list.
- Winners will be contacted for verification.
- Once verified, the government will release the Rs 15 lakh loan.
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Apni Chhat Apna Ghar Program Loan Usage Rules
The loan can only be used for building your own house on the land you have specified in your application. If you use the funds for any other purpose or at a different location, the government can withdraw the loan and take legal action.
Helpline Number
For more details regarding the Aoni Chhat Apna Ghar Scheme, contact the Punjab Government Helpline: 0800-09100
Frequently Asked Questions (FAQs)
What is the Apni Chhat Apna Ghar Program?
It is a Punjab Government scheme offering Rs 15 lakh interest-free loans for home construction.
Who can apply for the Apni Chhat Apna Ghar Program?
Permanent residents of Punjab with 5 marla urban or 10 marla rural land and no existing house can apply.
How much loan is provided under the program?
Up to Rs 15 lakh, repayable in monthly installments over 7 years.
Where can I apply for the program?
You can apply online through the official ACAG Portal.
What documents are required for the application?
CNIC (front and back) and a photo of the land in your name.
How will applicants be selected?
Through an electronic draw conducted by the Punjab Government.
What is the helpline number for more details?
The helpline number is 0800-09100.
Conclusion
The Apni Chhat Apna Ghar Program is a golden opportunity for eligible residents of Punjab to finally own a home. With easy online registration and interest-free loans, the government is making home ownership more accessible than ever. If you meet the criteria, apply today and take the first step toward building your dream house.