Apni Chhat Apna Ghar Registration 2025 Via ACAG Portal

Apni Chhat Apna Ghar Registration Phase 2 2025 has started, which is part of an important project of Chief Minister Maryam Nawaz Sharif. The aim of this scheme is to provide affordable and quality housing to low-income people. The Punjab government has introduced an easy registration method under this scheme so that maximum deserving people can benefit from it.

Applicants can complete their registration through the online portal or the concerned office. This scheme is especially for those who dream of buying their own house but are unable to do so due to financial difficulties. The government is providing the facility of easy installments and subsidized loans to make it possible for the public to buy a house. In addition, applicants will have to provide their identity information and financial details at the time of registration.

If you also want to benefit from this scheme, then complete your registration as soon as possible so that you do not miss out on this opportunity. The registration for Apni Chhat Apna Ghar Phase 2 has started, so if you want to know information regarding registration, then stay connected with this article. In this article, you will be told all the information in detail.

Table of Contents

What is the Apni Chhat Apna Ghar Scheme?

The Apni Chhat Apna Ghar Scheme 2025 is a government initiative aimed at providing interest-free loans to low-income families in Punjab. The scheme will help individuals construct houses on their own land with easy repayment options. The Punjab government plans to build 100,000 affordable homes.

Under this scheme, focusing on people who do not have proper housing. After the successful completion of Phase One of Apni Chhat Apna Ghar, Phase Two has been started. The Punjab government has launched this scheme to provide interest-free loans of Rs. 15 lakh to deserving families to build houses.

Key Features of the Scheme

Interest-Free Loan: Applicants can get up to Rs. 1.5 million without paying any interest.
Easy Repayment Plan: The loan can be repaid in monthly installments over 7 years.
No Installments for First 3 Months: To ease the financial burden, the first three months will have no repayment requirements.
Priority for Low-Income Families: People without homes or facing financial difficulties will be given priority.
Construction of 100,000 Houses: The government will ensure affordable housing across Punjab.

Also read: PSER Status Check: Complete Guide to Verify Eligibility and Complete Registration!

Eligibility Criteria Details for Phase 2

To apply for the Apni Chhat Apna Ghar 2025 Registration, applicants must meet the following conditions:

Land Ownership: The applicant must own land where the house will be built.
Urban areas: Land size should not exceed 5 marlas.
Rural areas: Land size should not exceed 10 marlas.
No Previous Government or Bank Loans: The applicant should not have taken any other home loan before.
Low Poverty Score: The poverty score should be below 60%.
Valid CNIC: The applicant must have a valid Computerized National Identity Card (CNIC).
Permanent Residency: The applicant must be a resident of Punjab.
No Existing Home Ownership: The applicant should not already own a house.

Apni Chhat Apna Ghar Registration Process

The Apni Chhat Apna Ghar 2025 application process is simple and can be completed online. Follow these steps to apply:

Visit the Official Website: Go to acag.punjab.gov.pk.
Create an Account: Enter your personal details such as name, CNIC, and mobile number.
Provide Land Details: Upload proof of land ownership and location details.
Upload Required Documents: Submit scanned copies of CNIC, income proof, and live photo verification.
Submit the Application: Double-check all details and click the submit button.
Receive Confirmation: You will receive an SMS confirmation once your application is successfully submitted.

Documents Requirements for Registration

To complete the registration process, you will need the following documents:

CNIC (Front and Back Copy)
Proof of Land Ownership
Income Certificate or Salary Proof
Recent Passport-Sized Photograph
Live Photo for Identity Verification

Loan Distribution and Repayment Plan

The loan distribution will begin in 2025. Here is how it will work:

Survey and Verification: The Punjab Housing and Town Planning Agency (PHATA) will conduct surveys to verify applicants.
Loan Approval: Approved applicants will receive up to Rs. 1.5 million in phases.
Repayment Plan: The loan is repayable in Rs. 14,000 monthly installments for 7 years.
Zero Interest and No Hidden Charges: The loan is completely interest-free with no extra taxes or fees.
Fraud Prevention: If anyone demands money for processing, applicants should report it to authorities immediately.

Also read: Check PSER Verification Online and How to Get Benefits

Housing Construction & Government Plans

Model Houses: The government will construct model houses within 6 weeks to set an example for others.
3000 Houses Per District: Each district in Punjab will receive 3,000 houses under this scheme.
Support for Disaster Victims: Special priority will be given to people affected by floods, earthquakes, or other natural disasters.
High-Quality Materials: The homes will be built using durable materials to ensure long-term sustainability.
Locations Near City Limits: Houses will be built near cities to provide better access to jobs, education, and healthcare.

Latest Updates on Apni Chhat Apna Ghar Scheme

Over 200,000 people have already registered for the scheme.
PSER Survey is Now Mandatory: Applicants must be part of the Punjab Socio-Economic Registry (PSER) for eligibility.
New verification steps have been added to prevent fraud and ensure fair loan distribution.

Benefits of the Apni Chhat Apna Ghar Scheme

Affordable Housing for Low-Income Families: Provides financial relief for those struggling to own a home.
Boosts Economic Growth: Encourages investment in construction and employment opportunities.
Improves Living Conditions: Helps families move from rental homes to their own houses.
Long-Term Impact on Housing Sector: Ensures sustainable development in Punjab’s housing industry.

Also read: 8070 Ramzan Relief Package Online Apply For 10,000 Financial Assistance

Frequently Asked Questions (FAQs)

Who Can Apply for the Apni Chhat Apna Ghar Scheme?

Anyone who meets the eligibility criteria, including owning land, having a poverty score below 60%, and not owning a home, can apply.

How Can I Register for the Scheme Online?

You can apply by visiting acag.punjab.gov.pk, creating an account, filling in the details, uploading documents, and submitting the form.

What Documents Are Required for Registration?

You need a CNIC copy, proof of land ownership, an income certificate, and a live photo for verification.

When Will the Loan Be Disbursed?

Loan distribution will begin soon, after the verification of applicants.

What Is the Repayment Plan for the Loan?

The loan must be repaid in monthly installments of Rs. 14,000 over 7 years, with the first 3 months’ payments waived.

Conclusion

The Apni Chhat Apna Ghar Phase 2 2025 Registration is a golden opportunity for low-income families in Punjab to own a house without financial stress. With an interest-free loan, easy repayment plan, and government support.

This scheme aims to improve the housing sector and provide shelter to those in need. If you meet the eligibility criteria, do not miss the chance to apply and secure a better future for your family. Visit acag.punjab.gov.pk today and start your journey towards homeownership.

Apni Chhat Apna Ghar 2025 Registration Through ACAG Portal – Complete Guide