The Punjab Government has officially launched Apni Chhat Apna Ghar Scheme Phase 2 – 2025, a landmark initiative designed to help low-income families fulfill their dream of having their own home. Under this program, eligible citizens can apply for an interest-free loan of up to Rs. 1,500,000 (15 Lakh), payable in easy monthly installments.
This housing scheme is a continuation of the government’s vision to provide affordable shelter, dignity, and stability to deserving families who otherwise struggle to build or complete their homes due to financial constraints.
Purpose of Apni Chhat Apna Ghar Scheme
The main objective of this scheme is to make home ownership possible for families who:
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Live in rented houses or shared spaces.
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Own land but cannot afford construction expenses.
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Have incomplete houses due to financial limitations.
By offering interest-free financing, the government is ensuring that even the poorest families can complete their dream homes without the fear of debt.
Eligibility Criteria for Loan
To qualify for this scheme, applicants must meet the following conditions:
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Must be a permanent resident of Punjab.
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Family income below Rs. 60,000 per month.
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Should not already own a fully constructed house.
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Must possess land in their own name (for construction).
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Proof required if applying for incomplete construction.
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Preference given to widows, orphans, disabled persons, and labor-class workers.
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Valid CNIC and registered mobile number required.
These conditions ensure transparency and guarantee that only truly deserving families benefit.
Loan Amount and Terms
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Loan limit: Up to Rs. 1,500,000 (15 Lakh).
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Markup: 100% interest-free.
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Repayment time: Up to 10 years.
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Installments: As low as Rs. 12,500 per month.
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Disbursement: In 3 phases (based on construction progress).
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Repayment start: Flexible, usually after one year.
Step-by-Step Application Process
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Visit the official portal: acag.punjab.gov.pk.
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Click on “Apply Now”.
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Fill in your details:
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Full Name & CNIC
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Mobile Number & Address
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Marital Status & Income
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Land ownership details
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Tick the declaration box.
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Submit your application.
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Receive confirmation SMS after successful submission.
Applicants can later track their application status online using their CNIC.
Required Documents
To avoid rejection, applicants must prepare the following documents:
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Valid CNIC.
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Proof of family income.
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Land ownership documents.
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Latest utility bill (electricity/gas).
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Family Registration Certificate (NADRA).
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Two passport-size photographs.
Special Cases:
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Widows: Husband’s death certificate.
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Disabled persons: Medical disability certificate.
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Divorced women: Divorce certificate.
Loan Disbursement in Three Phases
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40% released after land and verification approval.
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30% after structure completion.
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30% at finishing stage (roof, plaster, etc.).
Funds are transferred directly to the applicant’s bank account, ensuring transparency.
Also Read: Punjab Honhaar Scholarship Phase 2 2025
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Completely interest-free loan.
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Long-term, easy installment plan.
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Boosts housing ownership among low-income families.
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Promotes construction industry & job creation.
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Priority to vulnerable groups (widows, disabled, orphans).
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Digital tracking system for full transparency.
Application Timeline and Approval
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Screening & document check: 10–15 days.
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NADRA & land verification: 20–25 days.
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Site inspection: 10–15 days.
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Final confirmation via SMS or call within 30–60 days.
Common Reasons for Rejection
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Income above Rs. 60,000.
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Land not in applicant’s name.
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Fake or missing documents.
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Already owning a constructed house.
Final Words
The Punjab Apni Chhat Apna Ghar Scheme Phase 2 – 2025 is a life-changing opportunity for low-income families. With zero interest, flexible repayment, and transparent distribution, this scheme ensures every eligible family can move closer to the dream of a safe and secure home.
If you meet the eligibility criteria, apply today at acag.punjab.gov.pk and secure your family’s future with dignity and stability.