Apni Chhat Apna Ghar Scheme Budget
Punjab Chief Minister Maryam Nawaz has introduced a new budget for the “Apni Chhat Apna Ghar Scheme“, the total budget of which is Rs 150 billion. Through this, 50,000 people of Punjab will be provided loans for houses on easy installments.
Those who could not apply in its phase one earlier for some reason can now apply. This scheme will play an important role in the development of Punjab’s housing sector. The “Apni Chhat Apna Ghar” program is for those people of the society who are deprived of basic needs like housing due to low income.
Through this program, one lakh people will be helped in providing affordable houses in three phases within four years. This step will not only help in economic stability but will also provide excellent employment opportunities. If you want to know more about the “Apni Chhat Apna Ghar” scheme, then read this article in full.
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Budget and Loan Distribution Under Apni Chhat Apna Ghar Scheme
The scheme has a budget of Rs. 150 billion for 2025. Under this budget:
- 50,000 people will be given loans on easy monthly installments.
- The scheme will be completed in three phases over four years, during which 100,000 houses will be provided.
- The government will offer interest-free loans, making it easier for low-income families to manage repayments.
Key Features of Apni Chhat Apna Ghar Scheme
The Apni Chhat Apna Ghar Scheme offers several benefits to applicants:
- Interest-Free Loans: No markup will be charged, reducing the financial burden.
- Flexible Repayment Terms: Loans can be repaid in 7 years on easy monthly installments.
- Transparent Process: Loans are given without political influence or recommendations.
- Housing for All: Aimed especially at those who cannot afford a house due to low income.
This step will also create employment opportunities and help boost Punjab’s economy by improving the construction and housing sectors.
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Who Can Apply for Apni Chhat Apna Ghar Scheme?
To apply for the Apni Chhat Apna Ghar Scheme, you must meet the following eligibility criteria:
- Must be a permanent resident of Punjab.
- Must have a NADRA-issued CNIC (Computerized National Identity Card).
- Must own land:
- Up to 5 marlas in urban areas
- Up to 10 marlas in rural areas.
- Should not already own a house.
- Monthly income should be less than Rs. 60,000.
- Must have a clean financial record and not be a bank defaulter.
Apni Chhat Apna Ghar Online Registration Process
- Visit the official website acag punjab gov pk,
- create an account using your CNIC number, name, phone number, and password.
- Log in to your account using your username and password.
- Fill in the required details in the personal information:
- Enter your Name, CNIC number
- Enter your Father’s name and CNIC
- Enter your Mobile number(registered on your CNIC) and an Authentic email
- Select your district, tehsil, division, and city.
- Upload your documents and submit the form online.
Required Documents for Apni Chhat Apna Ghar Scheme
To apply, you will need the following documents:
- CNIC (Identity Card)
- Proof of residence
- Proof of income
- Land ownership proof, if you own land
Make sure your documents are genuine and up to date, as all information will be verified.
Common Mistakes to Avoid While Applying
While applying for the Apni Chhat Apna Ghar Scheme, avoid these common mistakes:
- Entering an incorrect CNIC number
- Providing an inactive email or phone number
- Submitting fake or forged documents
- Applying multiple times
- Applying without meeting eligibility criteria
All applications go through a strict verification process. NADRA and other departments will cross-check the information, and the field team will confirm your eligibility on the ground.
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Apni Chhat Apna Ghar Scheme: Impact on Punjab’s Economy
The scheme is expected to:
- Reduce slum areas
- Improve access to electricity, water, and gas
- Uplift the living standards of low-income families
- Boost the construction industry
- Create employment opportunities
- Lead to overall economic stability and growth
This project is more than just housing; it is a development plan for a stronger Punjab and a better Pakistan.
Contact Information for Apni Chhat Apna Ghar Scheme
For any queries, complaints, or further details, contact the official helplines:
042‑99213419
042‑99213428
0800‑09100 (Toll-Free)
Final Thoughts
The Apni Chhat Apna Ghar Scheme 2025 is a golden opportunity for low-income families in Punjab to finally own a home. With interest-free loans, flexible repayment plans, and a transparent application process, this initiative aims to bring long-term benefits to society. If you or someone you know meets the eligibility criteria, do not miss this chance.
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FAQs Apni Chhat Apna Ghar Scheme 2025
What is the Apni Chhat Apna Ghar Scheme?
It is a government housing scheme in Punjab offering interest-free home loans to low-income families.
Who launched the Apna Ghar Apni Chhat scheme?
Punjab Chief Minister Maryam Nawaz launched the scheme in 2025.
How much budget is allocated for the scheme?
The total budget is Rs. 150 billion.
Who can apply for the scheme?
Permanent residents of Punjab with low income, no house, and land ownership (5 marlas urban or 10 marlas rural).
Is the loan interest-free?
Yes, the loan is completely interest-free.
What is the loan repayment period?
The loan can be repaid in 7 to 9 years through easy installments.
How many people will benefit from this scheme?
Around 100,000 people will benefit in three phases over four years.
Can I apply if I already own a house?
No, only those without a previously owned house are eligible.
How can I apply online in the Apni Chhat Apna Ghar program?
Visit acag punjab gov pk and fill out the online application form.
Is offline registration available?
Yes, visit your nearest Union Council to apply offline.
What documents are needed to apply?
You need your CNIC, proof of residence, proof of income, and land ownership documents.
What are the common mistakes to avoid during the application process?
Avoid giving incorrect CNIC, inactive contact details, fake documents, or applying multiple times.
How is the applicant’s information verified?
The team verifies your documents through NADRA and field surveys.
Is a political recommendation required for this scheme?
No, the scheme is completely free from political influence or recommendations.
Who to contact for more information?
Call the helplines: 042-99213419, 042-99213428, or 0800-09100.