Apni Chat Apna Ghar Housing Scheme 2026

Having a home of one’s own is one of the greatest blessings of Allah. It is not just a place to live, but a source of peace, dignity and security for the future. Unfortunately, rising construction costs and inflation have made it extremely difficult for middle-class and low-income families to build a house with their limited income. For many people in Punjab, owning a home has remained only a dream.

To address this serious problem, the Punjab government, under the leadership of Chief Minister Maryam Nawaz, launched the Apni Chat Apna Ghar housing scheme. This initiative aims to provide affordable housing loans and ready homes to deserving citizens through easy monthly installments. By targeting the construction and delivery of 100,000 houses across the province, the program represents a major step toward improving living standards and providing safe housing for families who currently live in rented or informal accommodations. Check here free Solar Scheme?

OVERVIEW

Punjab Chief Minister Maryam Nawaz strongly believes that every citizen deserves a safe and well-built home where families can live with comfort and confidence. With this vision, she introduced an affordable and interest-free housing loan scheme to help people turn their dream of homeownership into reality. Under this initiative, residents of major cities including Multan, Faisalabad, Sialkot, Sargodha, and Rawalpindi can apply for financial support to construct their own houses.

The Apni Chat Apna Ghar scheme is being implemented through three different execution models and aims to complete one hundred thousand homes in selected urban areas. Keeping in mind the financial challenges faced by middle-class families, the monthly installment has been set at just Rs. 14,000, which is nearly equal to the rent of a small house. Applicants who own between 1 to 5 marla land in urban areas or 1 to 10 marla land in rural areas are eligible to apply, making this scheme accessible to a large segment of the population.

VISION OF THE SCHEME

The vision of the Apni Chat Apna Ghar Scheme is to ensure that low-income families are able to own a safe and decent home. Under this initiative, Chief Minister Maryam Nawaz has introduced affordable monthly installments of only Rs. 14,000, making homeownership possible for those who could not afford it otherwise. Special attention has also been given to the quality and durability of house designs so that the homes remain comfortable and reliable for many years. To build public confidence, the Chief Minister directed that model house designs be prepared within six weeks, allowing beneficiaries to view and approve the layouts of their future homes before construction begins.

MESSAGE OF CHIEF MINISTER PUNJAB

It gives me immense pleasure and satisfaction to welcome you to the Apni Chat Apna Ghar Program, an initiative that is very close to my heart. Our goal of providing affordable housing for families across Punjab is simple, yet deeply meaningful. Owning a home is not merely about walls and a roof; it represents security, a dignified life, a brighter future, and the fulfillment of long-cherished dreams. Whether you are a laborer, a teacher, or the owner of a small business, this program has been designed with all of you in mind. We firmly believe that every citizen deserves a safe and comfortable home.

Through close collaboration with developers, financial institutions, and our dedicated and hardworking team, we are committed to making homeownership accessible to every citizen of Punjab. The models we have introduced—whether it is the provision of government land in exchange for housing in major cities, offering subsidies to deserving citizens benefiting from affordable homes in private housing schemes, or providing interest-free loans to plot owners with possession up to 5 marla in urban areas and up to 10 marla in rural areas—reflect our strong resolve to uplift low-income families. I invite you to join us on this journey of transformation, so that together we may build not just houses, but a society where dreams turn into reality.

Yours sincerely,
Maryam Nawaz Sharif
Chief Minister, Punjab

EXPECTED OUTCOMES OF SCHEME

• Direct and indirect contribution to economic growth and employment generation
• Improved living standards for low-income families through access to safe and affordable housing
• Reduction in overcrowding and dependence on slums or informal settlements
• Better access to basic facilities, including clean water, sanitation, and electricity
• Increased safety and security within residential communities
• Positive social impact on beneficiary families and vulnerable groups
• Strengthened social cohesion and community development
• Creation of approximately 500,000 jobs through the construction of 100,000 houses

ELIGIBILITY CRITERIA

1. The applicant or any immediate family member must be a permanent resident of Punjab, as verified through a valid CNIC.
2. The applicant must be the sole owner and in possession of a residential plot measuring up to 5 marla in urban areas or up to 10 marla in rural areas anywhere in Punjab at the time of submitting the online application, and the land must be intended for house construction.
3. The applicant must have no criminal background, including convictions related to anti-state, anti-social, or serious criminal activities.
4. The applicant must not be a defaulter of any bank or financial institution.

DETAILS OF PROJECTS

• 🏠 Project Name: Apni Chat Apna Ghar Scheme
• 👩‍💼 Launched By: Chief Minister Punjab, Maryam Nawaz
• 🎯 Objective: To provide citizens with their own shelter
• 🏗️ Goal: Loan facility for the construction of 100,000 houses
• 💰 Installment Amount: PKR 26,000 per month
• 🏛️ Government Subsidy: 60% contribution by the Government
• 🤝 Down Payment: 40% contribution by the beneficiary.
• ⏳ Installment Period: 5 years

District-Based Quota of Loans

EXECUTION MODEL-1

(Tentative: 10,000 Housing Units)

Under Execution Model-1, the program focuses on housing construction through equity-based arrangements or state land sharing between PHATA and private developers. This model aims to ensure quality construction while maintaining affordability and transparency.

Key Features of Execution Model-1 (Ballot-1):

• PHATA will provide the basic infrastructure and construction framework to the selected developers.
• Developers are required to strictly follow the house designs approved and provided by PHATA.
• No changes in design or infrastructure are allowed without prior approval from PHATA.
• PHATA will oversee the provision of construction materials and infrastructure to ensure high-quality development within the approved budget.
• For housing units constructed on state-owned land, the government will not provide any separate subsidy for infrastructure.
• The monthly installment amount will be determined by the government based on the size and design of the housing unit.
• PHATA will remain responsible for developing trunk infrastructure, which will be executed through block-wise allocation with approval from the Punjab Government.

EXECUTION MODEL-2

(Tentative: 20,000 Housing Units)

Under Execution Model-2, the government will support the construction of houses within approved residential areas to facilitate low-income and middle-class families. In this model, private developers will construct housing units after obtaining mandatory approval from PHATA in accordance with the Affordable Private Housing Scheme (APHS) Rules, 2020.

Key Features of Execution Model-2 (Ballot-2):

• The model is designed to support low-income and middle-class households by enabling affordable housing development.
• Private housing schemes will be approved under the APHS Rules, 2020, allowing developers to proceed with construction.
• The government will introduce a one-window approval mechanism to streamline and speed up the approval process, eliminating unnecessary delays.
• PHATA will provide standardized house sizes and designs and will also determine the installment amount and repayment period.
• All financial transactions will be managed through an Escrow Account to ensure transparency and accountability.
• Developers will receive installment payments through the Escrow Account upon completion of approved construction milestones.
• PHATA will monitor and supervise construction activities to ensure quality standards are maintained.
• Once the allottee completes the five-year loan period, the developer will formally transfer ownership of the house to the allottee.

EXECUTION MODEL-3

(Tentative: 70,000 Housing Loans)

Execution Model-3 focuses on providing interest-free housing loans with government subsidy to eligible citizens, enabling them to construct their own homes on personally owned land.

Key Features of Execution Model-3 (Ballot-3):

• Eligible citizens will receive interest-free housing loans, fully supported by government subsidy.
• Applicants who own 1 to 5 marla plots in urban areas or 1 to 10 marla plots in rural areas are eligible to apply.
• Applications can be submitted through the official ACAG portal: www.acag.punjab.gov.pk.
• The loan tenure ranges from 5 to 7 years, and the monthly installment amount varies based on the selected repayment period.
• All operational costs and applicable taxes related to the loan will be fully borne by the government, ensuring maximum relief for beneficiaries.

INITIAL VERIFICATION PROCESS

PHATA is responsible for carrying out the initial verification of applications, which begins after the completion of the registration process. The verification is conducted through the following steps:

• Family status verification using official records obtained from NADRA.
• PMT score verification, ensuring that the applicant’s score is 60 or below.
• Land ownership verification through relevant authorities, including the Punjab Land Records Authority (PLRA), the Cooperatives Department, and concerned Development Authorities.

This process ensures transparency and confirms that only eligible applicants move forward in the program.

BENEFITIS OF SCHEME

The Apni Chat Apna Ghar Scheme is a flagship housing initiative of the Punjab Government designed to provide interest-free home loans and affordable housing solutions to low-income and middle-class families across Punjab. Below are the key benefits of this government housing program:

Interest-Free Housing Loans in Punjab

One of the biggest advantages of the Apni Chat Apna Ghar Scheme is the provision of interest-free housing loans, which removes the financial burden caused by high bank interest rates. Under this scheme, the Punjab Government provides a 60% subsidy, while beneficiaries contribute only 40% of the total cost, making it an ideal home loan option for low-income families in Punjab.

Affordable Monthly Installments

This scheme offers highly affordable monthly installments, making home construction possible even for families with limited income. Applicants receive a three-month grace period with no payments, followed by a monthly installment of around Rs. 14,000. This amount is often lower than house rent, making it one of the most affordable housing schemes in Pakistan.

Simple and Online Registration Process

The Apni Chat Apna Ghar online registration process is designed to be quick and user-friendly. Applicants can apply through the official ACAG website, contact the toll-free helpline, or visit their nearest registration center. Minimal documentation and a streamlined process ensure easy access for all eligible citizens.

Permanent Housing for Low-Income Families

This government housing scheme is a major relief for families who own land but cannot afford construction due to financial limitations. By offering subsidized and interest-free loans, the Apni Chat Apna Ghar Program enables deserving citizens to build a permanent, safe, and dignified home, improving long-term living conditions and social stability.

Eligible Cities for Apni Chat Apna Ghar Scheme

Although the Apni Chat Apna Ghar Scheme has been launched across Punjab, the program is currently available only in selected districts. Residents of the following cities are eligible to apply and benefit from this affordable housing initiative:

Installment Plan

The Apni Chat Apna Ghar Scheme is designed to support families who are unable to build a home due to limited financial resources. Once an applicant is declared eligible and included in the list of beneficiaries, they are required to pay only 40% of the total cost as their contribution, while the remaining amount is covered through government support.

To make repayment easy and stress-free, the installment plan is spread over a period of up to five years, allowing beneficiaries to manage payments comfortably without financial burden. This flexible structure ensures that low-income and middle-class families can achieve homeownership without compromising their daily needs.

CHECK MONTHLY INSTALLMENT

HOW TO APPLY FOR APNI CHAT APNA GHAR SCHEME

Applying for the Apni Chat Apna Ghar Scheme is a simple and straightforward process. Eligible applicants can complete the application online by providing basic personal and property details along with required documents.

Required Information and Documents

To successfully submit the application form, applicants must provide the following information:

• Full name as registered with NADRA
• CNIC number of the applicant
• CNIC number of the head of the family (Father or Husband, as applicable)
• Valid contact details, including mobile number and email address
• Gender information
• Complete residential address, including division, district, and city
• Property ownership documents to verify land possession
• Creation of a user password for first-time applicants
• Existing users must enter their registered password to log in and confirm details

Once all required information is provided and the form is submitted, the application will move forward for verification by the relevant authorities.

Online Registration for Apni Chat Apna Ghar Scheme

Do you want to apply for the Apni Chat Apna Ghar Scheme without leaving your home? The Punjab Government has introduced a modern and user-friendly online system that allows eligible citizens to complete the Apni Chat Apna Ghar online registration 2025 easily using a mobile phone or computer.

APPLY ONLINE FOR APNI CHAT APNA GHAR SCHEME

Applicants can complete the Apni Chat Apna Ghar apply online process by following these simple steps:

1. Visit the official ACAG online registration portal:
   https://acag.punjab.gov.pk/
2. Click on the “Registration” button located at the top-right corner of the website.
3. You will be redirected to the Apni Chat Apna Ghar application form.
4. Carefully fill in all required personal, family, and property information. Make sure all details are correct and match NADRA records, as incorrect information may lead to disqualification.
5. Submit the form by clicking the Register button.

Anyone with a mobile phone or laptop and an active internet connection can complete the Apni Chat Apna Ghar online registration. If needed, you may also seek help from someone familiar with online applications.

Apply Through Toll-Free Number

Citizens who are unable to apply online can also register through the official toll-free helpline.

• Toll-Free Number: 0800-09100

By calling this number, applicants can get complete guidance regarding the Apni Chat Apna Ghar Scheme, including eligibility, loan details, and registration. The representative will collect the required information and submit the application on your behalf.

Physical Registration at Designated Centers

If online facilities are not available, applicants can visit the nearest registration center in their district. At the center:

• Submit required documents and personal details
• A government representative will complete the Punjab housing scheme application form for you

This option ensures that even citizens without internet access can benefit from the CM Maryam Nawaz housing scheme.

Important Note

After registration, applicants can later use the portal for Apni Chat Apna Ghar application status check and updates related to ballot results and loan processing.

Who Should NOT Apply for Apni Chat Apna Ghar Scheme?

You should not apply for the Apni Chat Apna Ghar Scheme if any of the following conditions apply to you:

• ❌ You are not a permanent resident of Punjab as per CNIC
• ❌ You do not own land (required: 1–5 marla in urban or 1–10 marla in rural areas)
• ❌ Your PMT score is above 60 in the NSER database
• ❌ You already own a constructed house
• ❌ You are a loan defaulter of any bank or financial institution
• ❌ You have a criminal record involving anti-state or serious offenses
• ❌ You provided incorrect or fake information during registration

👉 Applying despite ineligibility may result in automatic disqualification.

Common Reasons for Apni Chat Apna Ghar Application Rejection

Many applications are rejected due to avoidable mistakes. Below are the most common reasons:

• ⚠️ CNIC information does not match NADRA records
• ⚠️ PMT score exceeds the eligibility limit (60)
• ⚠️ Land ownership documents are missing, disputed, or incorrect
• ⚠️ Applicant is not the head of the family as per NADRA
• ⚠️ Applicant or spouse is a loan defaulter
• ⚠️ Multiple applications submitted from one family
• ⚠️ Incomplete form or false declarations
• ⚠️ Failure in PHATA verification process

📌 Tip: Always double-check your details before submitting the Apni Chat Apna Ghar apply online form.

Difference Between ACAG Ballot 1, Ballot 2 & Ballot 3

The Apni Chat Apna Ghar Programme (ACAG) is implemented through three execution models, commonly known as Ballots:

🔹 ACAG Ballot 1 – Government Land Housing

• Houses built on state-owned land
• PHATA provides infrastructure and approved designs
• Developers construct houses under strict supervision
• No infrastructure subsidy required from beneficiaries
• Ideal for families without private land

🔹 ACAG Ballot 2 – Private Housing Schemes

• Implemented through approved private housing schemes
• Developers get approval under APHS Rules 2020
• Installments handled through Escrow accounts
• PHATA supervises construction quality
• Suitable for middle-income families in cities

🔹 ACAG Ballot 3 – Interest-Free Housing Loan

• Direct interest-free loan to eligible citizens
• For those who already own land
• Government provides subsidy and covers taxes
• Loan tenure: 5 to 7 years
• Most popular option for self-construction

Conclusion

If you belong to a low-income or middle-income family and own a small piece of land, the Apni Chat Apna Ghar Scheme is a golden opportunity to turn your dream of homeownership into reality. Launched under the leadership of Punjab Chief Minister Maryam Nawaz, this historic initiative focuses on providing interest-free housing loans in Punjab to deserving citizens.

The Apni Chat Apna Ghar Scheme / اپنی چھت اپنا گھر اسکیم 2025 is designed to uplift the socio-economic conditions of the people by ensuring access to affordable housing, easy installment plans, and a transparent application process. With online registration, one-window approvals, and government supervision, the program ensures fairness and quality at every stage.

If you meet the Apni Chat Apna Ghar eligibility criteria, do not miss this chance. Complete your Apni Chat Apna Ghar apply online process through the official ACAG online registration portal, check your application status regularly, and take the first step toward owning a secure and permanent home.

Frequently Asked Questions (FAQs)

1. What is the Apni Chat Apna Ghar Scheme?

The Apni Chat Apna Ghar Scheme (ACAG) is a Punjab Government housing initiative launched by CM Maryam Nawaz to provide interest-free housing loans to low-income and middle-income families for building their own homes.

2. Who can apply for Apni Chat Apna Ghar Scheme?

Any applicant who:

• Is a permanent resident of Punjab
• Owns 1–5 marla plot in urban areas or 1–10 marla plot in rural areas
• Has PMT score 60 or below
• Has no criminal record
• Is not a loan defaulter
  is eligible under the Apni Chat Apna Ghar eligibility criteria.

3. How can I apply for Apni Chat Apna Ghar online?

You can complete Apni Chat Apna Ghar apply online by visiting the official ACAG online registration portal:
👉 https://acag.punjab.gov.pk
Fill in the application form with correct details and submit it online.

4. Is there any offline method to apply?

Yes. You can apply through:

• Toll-free number: 0800-09100
• Physical registration centers in your city
  Government staff will assist you with Apni Chat Apna Ghar online registration.

5. What is the loan amount under Apni Chat Apna Ghar Scheme?

The loan amount depends on:

• House size and design
• Location (urban or rural)
• Installment duration (5–7 years)
  The government provides up to 60% subsidy, while the beneficiary contributes 40%.

6. Is the Apni Chat Apna Ghar loan interest-free?

Yes. This is a housing loan without interest in Pakistan. The loan is completely interest-free, and operational costs and taxes are covered by the government.

7. What is the installment plan?

• Installments range from 5 to 7 years
• Monthly installment depends on loan tenure
• Initial grace period of 3 months
  This makes the Apni Chat Apna Ghar loan affordable for low-income families.

8. How can I check Apni Chat Apna Ghar application status?

You can check your Apni Chat Apna Ghar application status by logging into your account on the Apna Ghar Apni Chat scheme login page via the official portal.

9. What documents are required for registration?

You need:

• CNIC (Applicant and Head of Family)
• NADRA-verified family details
• Land ownership documents
• Contact details (mobile & email)

10. Is the scheme available in all cities of Punjab?

No. The scheme is currently available in selected districts of Punjab, including Lahore, Rawalpindi, Multan, Faisalabad, Gujranwala, Bahawalpur, Sialkot, and others.

11. Who supervises the construction process?

PHATA (Punjab Housing & Town Planning Agency) supervises:

• Design approval
• Construction quality
• Installment milestones
  This ensures transparency and standard construction.

12. What is ACAG?

ACAG stands for Apni Chat Apna Ghar, also known as:

• Apni Chat Apna Ghar
• Apna Ghar Apni Chat Programme
• اپنی چھت اپنا گھر اسکیم 2025

13. Why is Apni Chat Apna Ghar Scheme important?

• Provides affordable housing
• Reduces homelessness
• Promotes social stability
• Supports economic growth through construction jobs.