The dream of owning a home is now turning into reality for thousands of families in Punjab. Chief Minister Maryam Nawaz has officially launched Apni Chhat Apna Ghar Phase 2 in 2026, targeting families who missed the first phase. This scheme offers an interest-free loan of up to 15 Lakh Rupees to build a house. The biggest update for 2026 is that Joint Families can now apply to build a new room or floor on their existing roof. This guide explains the online registration process, eligibility, documents, and benefits in simple English to help you secure your loan.
Apni Chhat Apna Ghar Phase 2 Scheme Overview
| Feature | Details |
|---|---|
| Scheme Name | Apni Chhat Apna Ghar (Phase 2) |
| Total Loan | 15 Lakh Rupees |
| Interest Rate | 0% (Interest-Free) |
| Monthly Installment | Rs. 14,000 Fixed |
| Application Mode | Online Portal Only |
| New Eligibility | Joint Families / Roof Expansion |
| Loan Duration | 7 Years |
| Official Link | acag.punjab.gov.pk |
Apni Chhat Apna Ghar Phase 2 Registration Date
The Government of Punjab opened Phase 2 Registration on January 23, 2026. The online portal is currently active and accepting applications. The target is to approve 100,000 new loans by June 2026. Applications are accepted on a first-come, first-served basis, so it is advised to submit your application immediately to avoid delays.
Eligibility Criteria for Phase 2 Loan
The eligibility rules have been updated to help more deserving families. Key criteria include:
- Proof of Land: Urban plots should be 1–5 Marla, rural plots 1–10 Marla
- Income Limit: Monthly income of the Head of Family should be less than 60,000 Rupees
- Punjab Resident: Applicants must have a valid Punjab CNIC
- No Prior Loan: Applicants must not have received housing loans from other banks or schemes
- PMT Score: The poverty score must fall within limits defined by the Benazir Income Support Program
Loan Disbursement and Repayment Structure
Here is a detailed breakdown of how the loan will be released and the repayment plan:
| Stage | Action | Amount Released |
|---|---|---|
| Step 1 | Application Approval | Rs. 0 (SMS Notification) |
| Step 2 | First Tranche (Foundation) | Rs. 3,00,000 |
| Step 3 | Second Tranche (Walls/Lintel) | Rs. 6,00,000 |
| Step 4 | Final Tranche (Finishing) | Rs. 6,00,000 |
| Repayment | Monthly Installment | Rs. 14,000 |
| Total Term | Loan Duration | 7 Years |
| Markup | Extra Charges | 0% |
| Grace Period | Start of Payment | 3 Months |
Step-by-Step Online Application Process
The online application is fully digital and requires no physical visit to government offices. Follow these steps:
- Visit the official website: acag.punjab.gov.pk
- Click “New Registration” for first-time applicants
- Enter your CNIC number and mobile number to create an account
- Fill the application with details of Plot Location and family income
- Upload required documents and click Submit
Required Documents for Approval
To ensure smooth approval, all required documents must be clear and complete. Missing documents are the main reason for rejection.
- Valid CNIC: Front and back copy
- Property Fard: Registry or Fard proving ownership
- NOC: If land is in your father’s name, attach a No Objection Certificate
- Income Proof: Salary slip or affidavit
- Utility Bill: Recent electricity bill for verification
Verification and Balloting System
After submission, the system verifies the details. If applicants exceed the quota, electronic balloting is conducted to maintain fairness.
- Data Screening: Verifies CNIC and ownership
- Physical Visit: Team may inspect your plot
- SMS Notification: Confirms loan approval
- Bank Account: Required for fund transfer
- Transparency: Application status can be checked online anytime
Benefits of Interest-Free Housing Loan
The scheme provides financial relief and home ownership for low-income families.
- Zero interest: Pay only the borrowed amount
- Fixed monthly installment of Rs. 14,000
- Immediate house ownership after completion
- Economic stability for your family
- Quick processing due to digital system
Helpline and Contact Information
For support regarding Apni Chhat Apna Ghar Phase 2, contact the official helpline for guidance on registration, document verification, and loan approval.
- Helpline: 042-111-222-333
- Official Website: acag.punjab.gov.pk
Conclusion
The Apni Chhat Apna Ghar Phase 2 is a golden opportunity for low-income families to build their dream home in 2026. The online registration is currently active, and eligible families should prepare their documents and apply immediately. This interest-free loan ensures long-term stability, economic relief, and a secure future for thousands of Punjab residents.
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