The Apni Chhat Apna Ghar Housing Scheme 2026 is a groundbreaking initiative launched by Chief Minister Maryam Nawaz Sharif. This program is designed to help low-income families in Punjab who dream of owning a home but cannot afford construction costs. Eligible citizens can get a 15 Lakh PKR interest-free loan to build a house on their own plots.
The scheme is specifically for families tired of paying rent and wanting a permanent home. By removing the burden of interest, the Punjab Government allows applicants to repay the loan in easy monthly installments, making homeownership achievable for everyone.
Eligibility Criteria for the 15 Lakh Loan
The government has set clear rules to ensure the loan reaches deserving families:
- Must be a permanent resident of Punjab according to CNIC.
- Applicant should be the head of the family listed in NADRA records.
- Urban plots should not exceed 5 Marla; rural plots up to 10 Marla.
- Applicant’s PMT (Poverty Score) must meet PSER survey criteria.
- No history of loan defaults or financial fraud.
These rules ensure that the scheme benefits genuine low-income families.
Key Highlights of Apni Chhat Apna Ghar 2026
| Feature | Details |
|---|---|
| Loan Amount | Maximum Rs. 1,500,000 (15 Lakh) |
| Interest Rate | 0% (Interest-Free Loan) |
| Repayment Period | 7 Years (84 Months) |
| Monthly Installment | Approximately Rs. 14,000 |
| Grace Period | No payment for the first 3 months |
| Target Region | All 36 Districts of Punjab |
| Urban Plot Size | Up to 5 Marla |
| Rural Plot Size | Up to 10 Marla |
This table provides a comprehensive overview of the loan amount, repayment plan, plot eligibility, and other critical details for applicants.
Major Benefits of the Housing Scheme
The Apni Chhat Apna Ghar Scheme provides multiple advantages to make homeownership affordable:
- Interest-Free Loan: Only the principal amount is repaid.
- Affordable Installments: Monthly payments of Rs. 14,000 are less than typical rent.
- Construction Freedom: Build your house as per your own design.
- Grace Period: No installments for the first three months.
- Transparency: Selection is through a fair digital balloting system.
These benefits ensure that applicants can build their dream home without financial stress.
Required Documents for ACAG Registration
Applicants should prepare these essential documents to avoid delays:
- Original CNIC of the applicant (head of family).
- Proof of plot ownership (Fard, Registry, or Inteqal).
- Latest passport-sized photograph.
- Active mobile number for OTP verification.
- Household income details and family members count.
Having all documents ready ensures fast and smooth approval of the 15 Lakh loan.
How to Apply Online via Official Portal
The registration process is fully digital for convenience:
- Visit the official website: acag.punjab.gov.pk.
- Create an account with your CNIC and a secure password.
- Complete the application form with personal and property details.
- Upload scanned CNIC and land documents.
- Receive a tracking ID to monitor your application status.
This method ensures easy access for all applicants without visiting government offices.
Selection Process and Loan Disbursement
The selection and disbursement process is designed to be fair and transparent:
- Verification: Officials may visit your plot to confirm eligibility.
- Balloting: If applications exceed quotas, a digital lucky draw selects candidates.
- Agreement: Selected applicants sign a simple loan contract.
- Payment: Loan is released in stages as construction progresses.
- Monitoring: Government ensures funds are used only for house construction.
This guarantees accountability and fairness for all participants.
Loan Repayment Procedure
The 15 Lakh loan is repaid in affordable monthly installments:
- Installments: Approximately Rs. 14,000 per month over 7 years.
- Early repayment: Allowed without any penalty.
- Statements: Regular updates provided to track remaining balance.
- Designed to be stress-free for low-income families.
This makes homeownership financially manageable for all beneficiaries.
Conclusion
The Apni Chhat Apna Ghar Housing Scheme 2026 is a life-changing opportunity for people in Punjab. With a 15 Lakh interest-free loan, flexible repayment plan, and digital registration, CM Maryam Nawaz Sharif has made owning a home achievable. Eligible citizens with a small plot should apply through acag.punjab.gov.pk to secure their future and build a dignified home.
FAQS:
Q1: Is there any hidden fee or processing charge?
No, the loan is completely interest-free with no extra charges.
Q2: Can I apply if I don’t own a plot?
No, the scheme is only for applicants who already own a plot (urban 5 Marla, rural 10 Marla).
Q3: How long does it take to get the loan after balloting?
After selection and land verification, the first installment is released within weeks.
Q4: Can I repay the loan earlier than 7 years?
Yes, early repayment is allowed without penalties.
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