The Government of Punjab, under the leadership of Chief Minister Maryam Nawaz Sharif, has officially launched Phase 2 of the Apni Chhat Apna Ghar Program 2025. This transformative housing initiative aims to provide interest-free home construction loans of up to Rs. 15 lakh to 70,000 low-income families across the province.
Eligible residents can register through the official ACAG portal at acag.punjab.gov.pk. The process is simple and fully online, allowing applicants to submit personal details, proof of land ownership, and income documents for consideration.
What is the Apni Chhat Apna Ghar Program?
The Apni Chhat Apna Ghar Program is a flagship project by the Punjab government that seeks to tackle the growing housing crisis. By offering interest-free loans of up to Rs. 1.5 million, it empowers deserving families to construct their own homes and escape the cycle of rented housing.
Key Highlights:
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Loan Amount: Up to Rs. 15 lakh (Rs. 1.5 million)
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Installment Plan: 7 years
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Special Relief: First 3 installments are waived
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Target Beneficiaries: Low-income families with no access to commercial financing
Eligibility Criteria – Who Can Apply?
| Criteria | Requirement |
|---|---|
| Residency | Must be a permanent resident of Punjab |
| Land Ownership | Minimum 5 marla urban or 10 marla rural land |
| Loan History | Must not have received any previous bank or government housing loans |
| Income Limit | Monthly household income below Rs. 50,000 |
| Poverty Score | Below 60% as per BISP/NADRA data |
| Employment Status | Must not hold a government job or own a business |
| Family Role | Must be the head of the household |
| CNIC | Must possess a valid CNIC issued by NADRA |
Before beginning the registration process on acag.punjab.gov.pk, make sure you have the following documents ready:
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Valid CNIC (Computerized National Identity Card)
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Proof of Land Ownership (Registry, Allotment Letter)
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Income Certificate or salary proof
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Passport-size Photograph
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Active Mobile Number and Email Address
Providing complete and verifiable documentation increases your chances of approval. Read more
Step-by-Step Registration Process at ACAG.Punjab.Gov.PK
You can register for the program conveniently from home by following these steps:
Registration Steps:
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Enter your full name
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Input your 13-digit CNIC number
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Provide your father’s or husband’s name
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Enter the CNIC number of your father or husband
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Select your gender (Male/Female)
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Enter your valid email address
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Provide your active mobile number
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Choose your mobile network provider
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Select your division, district, and tehsil
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Enter your city name
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Create a secure password
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Re-enter the password to confirm
Top Benefits of CM Maryam Nawaz’s 15 Lakh Housing Loan Scheme
The Apni Chhat Apna Ghar Program provides several benefits that make it one of the most progressive housing schemes in Punjab:
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✅ Interest-Free Loan up to Rs. 15 Lakh
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✅ Easy 7-Year Installment Plan
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✅ First 3 Installments Are Waived
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✅ Transparent and Paperless Registration
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✅ Tailored for Low-Income, Land-Owning Families
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✅ Targets 70,000 Beneficiaries in Phase 2
This initiative is a game-changer for struggling families who have long dreamed of owning a home but lacked financial means.
Final Words – Why You Should Register Now
The ACAG.Punjab.Gov.PK Portal is your official gateway to accessing interest-free housing loans under the Apni Chhat Apna Ghar Program Phase 2. With CM Maryam Nawaz’s commitment to social welfare and the easy-to-follow online application process, thousands of Punjab residents now have a real shot at becoming homeowners.
If you meet the eligibility criteria and have the necessary documents, don’t delay — apply online today and take the first step towards securing your family’s future.
(FAQs) – ACAG.Punjab.Gov.PK
How do I apply for the Apni Chhat Apna Ghar Program?
You can apply online at acag.punjab.gov.pk by completing the registration form and submitting required documents.
Is there any fee for applying?
No, the registration is completely free of cost.
What documents are required?
You’ll need your CNIC, land ownership proof, income certificate, a passport-size photo, and active mobile number.
Can I apply without owning land?
No. Ownership of at least 5 marla urban or 10 marla rural land is mandatory.
Where can I get help if I face issues?
Contact the support team via the helpline on the ACAG portal or visit your nearest facilitation center for assistance.