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.
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.