Apni Chhat Apna Ghar Application Process Complete Process Through acag.punjab.gov.pk
Apni Chhat Apna Ghar Application Process
The Apni Chhat Apna Ghar Application Process has officially begun. The Apni Chhat Apna Ghar program was launched by the Chief Minister of Punjab after the successful completion of its first phase, and now the second phase is being started. The aim of launching the scheme by Chief Minister Maryam Nawaz is to build one lakh houses for the poor people living in Punjab who do not have a house to live in. Under which the Apni Chhat Apna Ghar program has been started.
Under this, they will be given an interest-free loan of up to Rs 1.5 million by the Punjab government to build a house of five marla or 10 marla. After obtaining it, they will be able to get their house built. In this way, they will be provided with a house to live in. There is also an easy procedure to register in the Apni Chhat Apna Ghar program. For this, you have to go to the official website of ACAG.Punjab.gov.pk.
After that, you have to fill up the registration form and create your account. After that, we will explain all the procedures to you in detail. After following these steps, you can easily create your account and fill out the registration form. For this, you have to remember to take all the documents with you so that after completing your registration process, you can easily get an interest-free loan of up to Rs. 15 lakh from the Apni Chhat Apna Ghar program.
What is the Apni Chhat Apna Ghar Program?
The Apni Chhat Apna Ghar scheme is a special housing initiative by the Punjab Government. The aim is to support low-income families who own a plot of land but can not afford to build a home. This scheme helps them by providing an interest-free construction loan, enabling them to build a safe and secure shelter for their family.
Here is what the scheme offers:
- Interest-free home construction loan up to Rs. 15 lakh
- Applicable for those who have 5 marla (urban) or 10 marla (rural) land
- Only for permanent residents of Punjab
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Who Can Apply – Eligibility Criteria
Before applying, make sure you meet all the eligibility requirements. Only those who meet the following criteria will be considered for the loan:
- Must be the head of the household, according to NADRA records.
- Must be a permanent resident of Punjab.
- For urban residents, you should own up to 5 marlas of land.
- For rural residents, you should own up to 10 marlas of land.
- Must have completed the PSER survey.
- Should not already own a house.
- Must not be a bank defaulter.
- Should have no criminal record or involvement in illegal activities.
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Step-by-Step Online Registration at acag.punjab.gov.pk
The online registration is simple and accessible to anyone with basic internet knowledge. Below is a step-by-step guide to register online:
Step 1: Visit the Official Website
Go to the official portal acag.punjab.gov.pk.
Step 2: Open the Registration Form
Click the ‘Register’ button in the top-right corner to open the Citizen Registration Form.
Step 3: Fill Out Your Personal Details
You will need to provide the following details:
- Full Name
- CNIC Number
- Father or Husband Name & CNIC
- Gender
- Email Address
- Mobile Network & Number
- Division, District, Tehsil, and City
- Set a secure password and confirm it
Make sure all information is correct and matches your official documents.
Step 4: Submit the Form
Click on the ‘Register’ button at the bottom. Once submitted, your account will be created successfully.
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How to Fill Out the Application Form
After creating your account, follow these steps to apply for the loan:
Step 1: Login
Go back to the website and click ‘Login’. Use your CNIC and the password you set earlier.
Step 2: Confirm Your Basic Details
You will be asked to verify:
- That you are a resident of Punjab
- That you do not own a house
- That you own 5 marla (urban) or 10 marla (rural) land
You must also agree to a disclaimer that the information you provide is true and complete.
Step 3: Fill out the Application Form
The application form has three main parts:
- General Personal Information
- Alternate Mobile Number
- Date of Birth
- Marital Status
- Spouse’s Name and CNIC
- Address and Tehsil
- Property Information
- Type and size of your plot
- Ownership type (self/parental, etc.)
- Location details and landmarks near the plot
- Socio-Economic Details
- Your employment and income information
- Details about your spouse’s job and income (if applicable)
- Monthly income estimate
- Type of income (fixed, daily wages, etc.)
Step 4: Upload Required Documents
You will be required to upload:
- Land ownership document
- The front side of your CNIC
- Back side of your CNIC
Files must be in JPG, PNG, or PDF format and not exceed 1 MB in size.
Step 5: Final Submission
After completing all the sections and uploading documents, click on Submit. Your application will be sent for review.
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Offline Application Process Users
If you’re unable to apply online or do not know how to use the internet, don’t worry. On the instructions of CM Maryam Nawaz, offline application facilities are also available.
How to Apply Offline:
- Visit the Deputy Commissioner (DC) Office in your district.
- Go to the Apni Chhat Apna Ghar Scheme registration desk.
- Bring all required documents like CNIC, land documents, etc.
- A staff member will help you fill out and submit the application.
This option is especially useful for elderly citizens, laborers, or those living in remote areas.
Important Tips Before Applying
- Double-check your CNIC number and land ownership details.
- Keep a scanned copy of your land papers and CNIC.
- Do not submit fake or false information—it may lead to rejection and legal action.
- Use a mobile number that is always accessible.
Read More: Punjab Rashan Card Scheme 2025 Know Complete Guide About Registration, Eligibility
FAQs – Frequently Asked Questions
What if I do not own any land?
This scheme is only for people who already have a 5 or 10 marla plot. If you do not own land, you will not be eligible.
Can I apply if I live in rented accommodation?
No, only landowners (urban or rural) can apply.
Is this loan really interest-free?
Yes, the Punjab government is offering a completely interest-free loan for house construction.
How will I know if my application is accepted?
You will be contacted through your mobile number or email provided during registration.
What documents are required?
You will need your CNIC (front and back) and land ownership document.
Final Summary
The Apni Chhat Apna Program Application Process is a big relief for the low-income families of Punjab. If you have a small piece of land but lack the financial means to build a home, this is your chance. Whether you apply online via acag.punjab.gov.pk or visit your local DC office, the process is now easier than ever.
Do not miss this opportunity. Complete your registration today and take the first step towards owning a safe and secure home for your family. If you still have questions or need help, visit your nearest Tehsil Office or Deputy Commissioner’s Office for guidance.
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