‘Apni Chhat Apna Ghar’ application method, eligibility, and registration

‘Apni Chhat Apna Ghar’ application method, eligibility, and registration

July, 28 2025

LAHORE (Web Desk): Maryam Nawaz’s “Apni Chhat Apna Ghar” housing initiative is empowering low-income families across the province by making homeownership both accessible and affordable.

Here s everything you need to know about eligibility, registration, and application method of the program.

Eligibility Criteria

To qualify for the scheme, applicants must meet the following conditions:

· Be the head of the family, as recorded by NADRA.

· You should be a permanent resident of Punjab, as shown on CNIC.

· In urban areas, you can own a registered plot of 5 marlas or less, or in rural areas 10 marlas or less within Punjab.

· You should have a clean criminal record and no outstanding bank loans.

· You should be registered in the National Socio-Economic Registry (NSER) with a PMT score of 60 or less.

Loan Details & Benefits

Interest-free loans of up to Rs1.5 million are offered to eligible families and are repayable over 7 years via affordable monthly instalments (approximately Rs14,000/month). These funds are intended for constructing houses on the applicant’s own land. State land development, private affordable housing, and interest-free loans are the project’s three models of implementation.

Over 4.5 years, 100,000 houses are planned. Approximately half a million jobs through construction and related industries are to be generated via the program as per its aim.

Also Read: Punjab’s ‘Apni Chhat, Apna Ghar’ makes home ownership a reality

Application Method of ‘Apni Chhat Apna Ghar’:

1. Visit acag.punjab.gov.pk

2. Register as a citizen by completing the registration form. In the form, enter personal details such as name, CNIC, father/husband CNIC, mobile number and network, email, and address (division, district, city, tehsil, etc.).

3. Upload scanned documents including:

· CNIC copy

· Income proof

· Land ownership proof and NSER verification

4. After submission, await confirmation via SMS or email. If selected, a PHATA survey team will verify your plot and submit their report for loan disbursement.

Support & Helpline

The online portal simplifies application tracking and management. A dedicated helpline (0800 09100) is also available to help with queries or complaints.

With thousands of families already building their homes, the “Apni Chhat Apna Ghar” initiative is a bold step toward ending housing insecurity in Punjab. The online process, transparent eligibility, and interest-free financing make it a rare and transformative opportunity.