The Apni Chhat Apna Ghar initiative is a low-cost housing loan scheme introduced by the Punjab Government under CM Maryam Nawaz Sharif. It’s designed to help middle and lower-income families across Punjab build, buy, or renovate their homes through easy and affordable loans.
Key Achievements of the Scheme So Far
This isn’t just another promise — it’s already delivering:
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✅ 1,562 houses completed and handed over
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✅ PKR 924 million recovered in repayments — proof of transparency
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✅ 21,797 houses nearing completion
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✅ 25,500+ families approved for loans worth PKR 26.97 billion
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✅ 11,500 families got their second loan installment
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✅ 1,106 fresh applications approved for the next phase
This kind of success shows the scheme’s strong implementation and public trust.
Who is Eligible to Apply for Apni Chhat Apna Ghar Loan Scheme?
Anyone living in Punjab, whether in a village or city, can apply — as long as they meet the basic requirements. You can apply for:
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🏡 New home construction
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🛠️ Renovation or finishing work
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🏘️ Buying a small ready-made house
Plot Size Options for Urban & Rural Punjab
| Location | Eligible Plot Size |
|---|---|
| Urban Areas | 1 to 5 Marla |
| Rural Areas | 1 to 10 Marla |
(1 Marla = approx. 272 sq ft)
Whether you already own a plot or are planning to buy one — this scheme supports you.
What Can the Loan Be Used For?
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Construction of new homes
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Finishing work like plastering, wiring, and paint
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Repairs or renovations
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Buying small, affordable houses
This flexibility helps families choose based on their exact needs.
Step-by-Step: How to Apply Online for Apni Chhat Apna Ghar Loan Scheme
The application process is 100% online — no office visits needed!
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Go to: acag.punjab.gov.pk
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Click on Apply Now
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Fill the form with your personal, income, and property details
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Upload the required documents (see next section)
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Submit and wait for verification
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Once approved, the loan is directly transferred to your bank account
Documents Required for the Loan
Make sure you have:
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✅ Your valid CNIC
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✅ Proof of income (salary slip, business record, etc.)
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✅ Property documents (ownership or intent to purchase)
Applications missing these may be rejected, so upload clear, accurate files.
Eligibility Criteria You Must Meet
Before applying, ensure the following:
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You are a resident of Punjab
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You have a valid Computerized National Identity Card
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You either own a plot or plan to buy/build in Punjab
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You can afford to repay the loan in installments
If you meet all these, your chances of approval are high.
Why This Scheme Matters in 2025
With rising rent and construction costs, this scheme makes home ownership affordable again. It supports families from all income levels and removes middlemen to ensure:
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✅ Fair, transparent loan process
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✅ Direct government support
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✅ Fast-track approvals
It’s a solid step toward solving the housing crisis in Punjab.
Frequently Asked Questions
✔ Who can apply?
Anyone from Punjab with a valid CNIC who wants to build, buy, or improve a house.
✔ Is the loan interest-free?
No, but it offers low interest rates and easy repayment terms.
✔ How much can I borrow?
That depends on your plot size, construction cost, and income level.
✔ How long is the repayment term?
Flexible terms — up to 20 years based on your financial ability.
Final Words: Own Your Dream Home Today
The Apni Chhat Apna Ghar Housing Scheme 2025 isn’t just a promise — it’s changing lives. With government backing, a quick online application, and real results already delivered, this is your chance to own a home without breaking the bank.
👉 Ready to apply? Visit acag.punjab.gov.pk and take your first step toward building your future.
Hamza Ali is the founder of Mylescobill.com.pk, a platform dedicated to providing easy and convenient ways to check your LESCO (Lahore Electric Supply Company) bills online. With a focus on simplifying the process of utility bill payments, Hamza shares valuable tips and guides to help users manage their electricity bills with ease. Stay connected with Hamza for the latest updates on online bill payment solutions.