Apni Chhat Apna Ghar Phase 2 – New Registration Starts April 2025
The Punjab government has once again taken a significant step toward helping low-income families achieve the dream of homeownership. Under the leadership of Chief Minister Maryam Nawaz Sharif, the second phase of the Apni Chhat Apna Ghar Program has officially begun in April 2025. With thousands of families already benefiting from this initiative, this fresh wave of registration offers a golden chance for many more to secure financial support for building their homes.
What is Apni Chhat Apna Ghar Program?
The Apni Chhat Apna Ghar (ACAG) program is a unique housing loan scheme launched to assist the underprivileged and middle-class residents of Punjab in building homes on their own land. So far, over 1,500 houses have been successfully completed, and loans worth billions have already been distributed transparently. With a strong recovery rate and thousands of homes currently under construction, this initiative is proving to be both impactful and reliable.
In the latest update, the second installment of housing loans has been distributed to 11,500 families. Plus, an additional 1,106 loans have been approved for release. The program focuses on providing interest-free loans to eligible citizens who own residential plots—ranging from 1 to 5 marla in cities and 1 to 10 marla in villages.
Who is Eligible to Apply in April 2025?
Before applying, you must check if you meet the eligibility criteria. Here’s a simple checklist to help:
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You must be a permanent resident of Punjab with a valid CNIC.
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You should own a vacant plot in Punjab—minimum 1 to 5 marla in urban areas or 1 to 10 marla in rural areas.
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The plot should be in your own name, and there should be no shared ownership.
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You must not have a criminal record or be involved in any illegal activities.
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You must also not be a defaulter of any government scheme, bank, or financial institution.
These criteria have been put in place to ensure the support reaches the truly deserving.
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How to Apply for ACAG Program – Online Method
The government has made the registration process extremely easy and accessible. Here’s how you can apply online without any hassle:
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Visit the official website: https://acag.punjab.gov.pk
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Create your new account by providing basic personal information.
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Log in using your username and password.
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Carefully read and accept the affidavit conditions.
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Fill out the application form, which includes:
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Personal details
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Property information
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Loan amount required
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Household economic status
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Upload required documents like your CNIC, property papers, and income proof.
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Submit your application and wait for verification and approval.
The entire process is quick and user-friendly, designed so that even those with limited internet experience can navigate it easily.
Offline Registration Option for Non-Digital Users
Don’t worry if you’re not comfortable using the internet. The Punjab government has set up registration desks at the Deputy Commissioner’s offices across all districts. You can simply walk in with your documents and submit your application with the help of staff there.
This offline method is especially helpful for senior citizens, villagers, or those with no internet access. The goal is to leave no deserving person behind.
Conclusion
The Apni Chhat Apna Ghar Program Phase 2 is a timely opportunity for thousands of Punjab residents to finally move one step closer to building their dream homes. With both online and offline methods made available, the process has been simplified to ensure easy access for all. If you meet the eligibility requirements, don’t miss this chance—apply now and secure a better future for your family.
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FAQs
1. Is this program only for Punjab residents?
Yes, only permanent residents of Punjab with valid CNICs are eligible.
2. What is the loan amount offered under this scheme?
The loan amount depends on the size of your plot and your financial need. Each case is evaluated individually.
3. Can I apply if my plot is in someone else’s name?
No, you must be the sole owner of the plot to qualify for the program.
4. Is there any deadline for applying in Phase 2?
Although there’s no official deadline yet, it’s best to apply early while funds are still available.
5. Can I apply for this scheme if I already own a house?
No, this scheme is for those who own a plot but do not yet have a constructed house on it.
