Apni Chat Apna Ghar Scheme 2025 Online Registration Form – Acag punjab gov pk PITB Portal
Punjab’s Chief Minister, Maryam Nawaz, has introduced a new housing initiative called the “Apni Chat Apna Ghar Scheme” to help low-income families in the province. This program aims to build 100,000 affordable homes for the poor and homeless across Punjab, ensuring that those in need have access to proper housing.
In her speech, Maryam Nawaz directed officials to build over 3,000 houses in every district of Punjab. She stressed that model houses should be ready within 6 weeks and provided to beneficiaries through monthly installment plans. She reaffirmed her commitment to reducing housing insecurity and promised to provide shelter to the poor.
The Apni Chat Apna Ghar Scheme is also focused on offering homes to those displaced by natural disasters like floods and earthquakes, who cannot rebuild their homes due to financial difficulties. Through this scheme, deserving individuals will have the chance to own affordable houses with easy payment options.
How to Register Online for the Apni Chat Apna Ghar Scheme in 2025 (February)
Step-by-Step Guide
If you want to get a loan of 15 lakh rupees from the Punjab government, you first need to register for the Apni Chat Apna Ghar Scheme. The registration process is simple, and all you need to do is upload the required documents and provide some personal information.
Here’s a simple guide to help you register and apply for the Apna Ghar Scheme:
Step 1: Ensure a Stable Internet Connection
Make sure your mobile or computer is connected to a reliable internet connection.
Step 2: Visit the Official Website
Open your browser and go to the official website of the Apna Ghar Apni Chat Scheme at https://acag.punjab.gov.pk.
Step 3: Create a New Account
If you are a new user, click on “Create New Account.”
Provide details like your CNIC, phone number, email address, and home address, and set a password.
Step 4: Log in to Your Account
Use your CNIC and the password you created to log in.
Step 5: Accept the Terms and Conditions
After logging in, you will see the terms and conditions.
Read them carefully and agree by ticking the box, then click the “Next” button.
Step 6: Provide Personal Details
Enter accurate personal information, including a live photo, bank details, and other required information.
Step 7: Upload Required Documents
You will need to upload clear pictures of both sides of your National Identity Card (CNIC).
Also, upload pictures of your property documents.
Step 8: Optional Feedback
If you want, you can leave feedback, though it’s not required.
Step 9: Final Submission
After making sure all your information is correct, submit your application.
If you meet the eligibility criteria, you will be granted the loan on the date set by the Punjab Government.
By following these easy steps, you can apply for the 15 lakh loan available through the Maryam Nawaz Loan Scheme.
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Apni Chat Apna Ghar Scheme Registration Form (Complete Guide)
If you want to apply online for the Apna Ghar Apni Chhat loan program, follow these easy steps to register through the ACAG Online portal. Be sure to read the instructions carefully before starting the registration process.
1. Visit the ACAG Website
Go to the ACAG website, and the registration form will appear on the screen.
2. Enter Your Personal Information
Provide your full name, National Identity Card number, and your father’s or husband’s National Identity Card number.
3. Provide Additional Details
Enter your gender, email address, mobile number, and the division you belong to.
4. Fill in Location Details
Provide information about your district, tehsil, and city.
5. Create a Password
Set a password for your account to complete the registration process.
6. Submit Your Application
Click the “Submit” button to send your application to the Apna Ghar Apni Chhat Registration Agent.
7. Confirmation via SMS
Once your details are verified, you will receive an SMS confirming your registration.
Eligibility Criteria for Apna Ghar Scheme
To benefit from the Apni Chat Apna Ghar Scheme introduced by Chief Minister Punjab, Maryam Nawaz, you need to meet certain conditions set by the government. The main requirement is that the loan is intended for individuals who do not already own a home. Below are the detailed eligibility criteria:
1. Land Ownership
You must have either:
- 5 marlas of land in an urban area, or
- 10 marlas of land in a rural area.
2. Residency
You must be a permanent resident of Punjab.
3. Criminal Record
You should not have any criminal background.
4. House Ownership
You must not already own a house.
5. Family Status
You should be the head of your family.
6. National Identity
You must have a valid CNIC issued by the Government of Pakistan.
Required Documents for Registration Apna Ghar Apni Chat Scheme
To apply for the Apna Ghar Apni Chhat Scheme, you must submit certain documents. Ensure that all documents are original, and upload clear, readable photos during the application process.
1. Proof of Property
This document confirms the land you own, whether it’s in an urban or rural area.
2. Proof of Monthly Income
Provide documents showing your regular income, such as salary slips or bank statements.
3. National Identity Card (CNIC)
A valid CNIC issued by the Government of Pakistan is required.
Main Objectives of the “Apna Ghar, Apni Chhat” Program 2025
The goal of this program is not just to build houses, but to also strengthen the community. The Chief Minister of Punjab, Maryam Nawaz, highlighted the importance of using high-quality materials to ensure durable and long-lasting construction.
She has directed that the housing units be built near city limits, making it easier for residents to access essential services and facilities. Maryam Nawaz emphasized the need for strong and quality construction, ensuring the homes last for many years.
This scheme will help thousands of people in Punjab fulfill their dream of owning a home, bringing hope to many families.
Apni Chhat Apna Ghar Scheme: Rs. 15 Lakh Loan Distribution Begins
Starting September 15, 2024, those who applied for the Apni Chhat Apna Ghar scheme will receive a Rs. 15 lakh loan from Chief Minister Maryam Nawaz Sharif, only for residents of Punjab who don’t own a house. To be eligible, applicants must check their district’s balloting results to see if their name is on the list for the loan.
In a recent meeting, Chief Minister Maryam Nawaz announced that 70,000 families in Punjab will receive a loan of Rs. 15 lakh each to help them build their own homes under the Apni Chhat Apna Ghar scheme. This article provides all the necessary details regarding the distribution process of this loan, so read through to stay informed.
New Update: Loan Distribution Date for Maryam Nawaz’s Rs. 15 Lakh Loan Scheme
Good news for all those who applied for the Maryam Nawaz Loan Scheme under the Apni Chhat Apna Ghar initiative! Some applications have been approved, and the list of selected beneficiaries has been released.
You can now check if your name is on the list. If you’ve been selected and want to know when the Rs. 15 lakh loan will be disbursed, there’s great news! The Punjab government will begin loan disbursements starting from September 15.
Interest Rates and Repayment Details for the Loan
Under the leadership of Chief Minister Punjab, Maryam Nawaz, a loan of Rs. 15 lakh will be provided interest-free for the construction of a house. No tax or interest will be charged on this loan. If anyone contacts you demanding tax or interest payments for the Apni Chhat Apna Ghar scheme, it is a scam. You must report it to the ACAG immediately so that legal action can be taken.
The Punjab Government will provide this Rs. 15 lakh loan, and it can be repaid in easy installments over 7 years. The monthly installment will be approximately Rs. 14,000, meaning you will need to pay Rs. 14,000 every month to the Punjab government for 7 years.
Additionally, to make it easier for you, the Punjab Government has waived the first three months of installments, allowing you to begin construction without immediate financial strain.
How Will the Loan Be Disbursed?
If your name is on the list for the Apni Chhat Apna Ghar Scheme, the information you provided will be verified through a survey conducted by the Punjab Government. The Punjab Housing and Town Planning Agency (PHATA) will handle the survey.
PHATA will visit your plot, measure it, and prepare a report, which will be submitted to the Punjab government. Based on this report, you will receive a loan of Rs. 15 lakh from the Punjab government. The first installment of the loan will be transferred to your designated bank account on September 15, 2024.
200,000 People Registered for Apni Chhat Apna Ghar Scheme (New Update)
Great news! Nearly two lakh people have successfully completed their registration for the Apni Chhat Apna Ghar scheme so far. If you haven’t registered yet, there’s still time to complete your registration before the deadline.
By registering, you too can benefit from the Rs. 15 lakh loan under the Apni Chhat Apna Ghar scheme to help build your own home. Don’t miss out on this opportunity!
Affordable Homeownership and Easy Payment Plans
The scheme provides highly affordable housing options. Each apartment costs Rs. 1.5 million, but with a 60% government subsidy, beneficiaries are only required to pay 40% of the cost. This remaining amount can be paid upfront, or through easy monthly installments of Rs. 14,000 over five years, making homeownership more accessible for low-income families.
Positive Impact of the “Apna Ghar, Apni Chhat” Scheme on the Housing Sector
The “Apna Ghar, Apni Chhat” scheme is expected to greatly improve Punjab’s housing sector by:
1. Making Housing Affordable
It allows low-income families the opportunity to become homeowners.
2. Driving Economic Growth
Increased construction activity will create jobs in the construction industry and related sectors.
3. Enhancing Living Conditions
The scheme provides safe and decent housing, improving the quality of life for underprivileged families.
4. Encouraging Sustainable Building
By using high-quality materials and eco-friendly practices, the program ensures that homes are durable and sustainable.
Latest Update on the Apni Chhat Apna Ghar Scheme
The “Apna Ghar Apni Chhat” scheme, also known as the Maryam Nawaz Housing Scheme, has been launched to support low-income families in Punjab. Under this scheme, a loan of 15 lakh rupees is offered to families in Punjab, with easy monthly installments spread over seven years. Beneficiaries will only need to pay 14,000 rupees per month.
To be eligible for this scheme, applicants must own a 5 marla plot in an urban area or a 10 marla plot in a rural area. Registration for the scheme can be completed online at acag.punjab.gov.pk.
As per a recent update, applicants are now required to complete the Punjab Socio-Economic Registry (PSER) survey to qualify for the 15 lakh rupee loan under the “Apna Ghar Apni Chhat” scheme. Maryam Nawaz has urged all interested individuals to complete the PSER survey as soon as possible to take advantage of this opportunity.
Understanding the PSER Survey
The PSER Survey, or Punjab Socio-Economic Register, has been introduced by Chief Minister Maryam Nawaz Sharif to gather updated information from residents of Punjab, focusing on their household and financial details.
The purpose of the PSER survey is to provide the government with accurate and current data for its programs. Previously, the government relied on the NSER survey, which is now outdated. The NSER survey was conducted many years ago when many families were financially stable, but circumstances have changed, and some families are now facing financial difficulties.
As a result, the outdated NSER data no longer reflects the current economic status of families. The PSER survey was launched to collect up-to-date information from all Punjab residents, helping the government assess the actual poverty levels and ensure that aid and subsidies reach those who truly need them.
Why the PSER Survey is Important
The PSER survey is essential because the data collected will be used by the government to determine an individual’s poverty score, which will then be used to qualify people for various programs and subsidies.
So far, the government has launched about eight schemes to support low-income individuals. Completing the PSER survey is mandatory to be eligible for any government program or subsidy.
In the future, the government will continue using PSER data to decide who qualifies for its programs. If you plan to apply for the 15 lakh rupees loan under the Maryam Nawaz Loan Scheme, make sure to complete your PSER survey as soon as possible before the registration deadline.
Benefits of Apni Chhat Apna Ghar Scheme
If you want to apply for the “Apni Chhat Apna Ghar” scheme, launched by Chief Minister Punjab Maryam Nawaz, there are several benefits to consider. The most important benefit is that it offers an interest-free loan of Rs. 15 lakh.
To make repayment easier, the Punjab government allows you to pay back the loan in monthly installments of Rs. 14,000 over a period of seven years. Additionally, Chief Minister Maryam Nawaz has provided an extra concession by waiving the first three months’ payments, keeping in mind the needs of the less fortunate in Punjab.
The goal of this scheme is to make sure that everyone in Punjab has a home of their own, as having a house is a basic need. The Punjab government, under the leadership of Maryam Nawaz, is committed to fulfilling this essential need.
How to Apply for the Loan Through the ACAG Online Portal
An online portal has been launched for the Apni Chhat Apna Ghar project. If you are unsure how to apply, this guide will walk you through the process. You can now easily register for the Apni Chhat Apna Ghar program for 2025 and apply for the Rs. 15 lakh loan.
The best part about this program is that it is open to all residents of Punjab. Those who are renting and do not own a house can apply for an interest-free loan to build their home. The loan can be repaid over seven years with monthly payments of Rs. 14,000. Don’t miss this opportunity
Using Your CNIC for Loan Verification
To apply for the Rs. 15 lakh loan, your National Identity Card (CNIC) is essential. You can verify your eligibility for the Maryam Nawaz Loan Scheme 2025 using your CNIC. Visit the official Apni Chhat Apna Ghar website and enter your CNIC number and password in the online portal to check if you qualify.
As of the latest update, Maryam Nawaz has announced that over 2 lakh people have already applied for loans under this program. Be sure to register soon to take advantage of this opportunity.
Key Benefits of the Maryam Nawaz Loan Scheme
Here are the main benefits of the Maryam Nawaz Loan Scheme:
- Eligible individuals can receive an interest-free loan of Rs. 15 lakh.
- Low-income families can own an affordable house.
- You can become a homeowner by repaying the loan over seven years.
- The government provides Rs. 15 lakh to help build your own home.
Apply now and start the process of owning your own home under this helpful initiative!
Frequently Asked Questions (FAQs)
What is the Apni Chhat, Apna Ghar Scheme?
The Apni Chhat, Apna Ghar scheme is a housing initiative launched by Maryam Nawaz to provide affordable homes to low-income families in Punjab.
How many houses will be built under the scheme?
The scheme plans to build 70,000 affordable homes across Punjab.
What is the cost of each house in the scheme?
Each house costs Rs. 1.5 million, but beneficiaries will only pay 40% due to a government subsidy.
How will beneficiaries pay for their homes?
Beneficiaries can pay through easy monthly installments of Rs. 14,000 over five years.
Who is eligible for the Apni Chat Apna Ghar Scheme?
Low-income families in Punjab who own 5 marlas in urban areas or 10 marlas in rural areas are eligible to apply.
How can I apply for the Apni Chat Apna Ghar scheme?
You can apply online through the ACAG portal by submitting your personal details and required documents.
What is the Maryam Nawaz Punjab PSER survey, and why is it important?
The PSER survey collects updated financial information from Punjab residents to ensure that aid reaches the right people.
What is the loan amount provided under the scheme?
Eligible families can receive an interest-free loan of Rs. 15 lakh to build their homes.
Are there any installment concessions under the scheme?
Yes, the first three months of installments are waived, providing extra relief to beneficiaries.
How long is the loan repayment period?
The loan can be repaid in monthly installments over 7 years.
Is the Apni Chhat, Apna Ghar scheme open to all residents of Punjab?
Yes, the scheme is available to all eligible residents of Punjab.
What materials will be used for house construction?
High-quality and eco-friendly materials will be used to ensure the durability and sustainability of the houses.
Is there a registration deadline for the scheme?
Yes, applicants must complete the PSER survey and register before the deadline.
Can I still apply if my PMT score exceeds 30%?
Yes, the PMT score requirement has been removed, allowing more people to apply.
How do I check my eligibility for the loan?
You can check your eligibility by entering your CNIC on the official Apni Chhat, Apna Ghar website.
If you have any trouble applying for the Apna Chat Apna Ghar Scheme or have any questions, feel free to contact us. We're happy to help!