The Punjab government continues its groundbreaking efforts to address housing shortages in the province through the Apni Chhat Apna Ghar Housing Scheme. This welfare initiative, launched under the leadership of Chief Minister Punjab Maryam Nawaz Sharif, provides interest-free loans for low-income families to construct homes on their land. The scheme primarily targets those who possess residential plots but lack the financial resources to build homes.
With the commencement of the second phase, thousands of eligible beneficiaries are receiving payments to fulfill their homeownership dreams. This article provides a comprehensive update on the scheme, loan distribution process, eligibility criteria, and latest developments.
What is Apni Chhat Apna Ghar Scheme?
The Apni Chhat Apna Ghar Scheme aims to provide affordable housing solutions for low-income residents in Punjab. It allows eligible plot owners to avail themselves of interest-free loans of up to PKR 15 lakh to construct homes. The scheme supports families in urban and rural areas, ensuring that home construction becomes an accessible reality for all.
Key Highlights of the Scheme:
- Interest-free loans worth PKR 15 lakh for home construction
- Eligibility for owners of five marla plots in cities and ten marla plots in rural areas
- Flexible repayment plans spread over nine years
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How to Check Apni Chhat Apna Ghar Scheme Balloting Results
If you have applied for the Apni Chhat Apna Ghar Scheme, it’s essential to check the balloting results to know if you’ve been selected for the loan. Here’s how you can verify the results:
- Visit the official website: https://acag.punjab.gov.pk
- Enter your CNIC number in the search bar.
- Click on the search button to view your result.
If your name appears in the list, you will be informed about the loan disbursement and the next steps for home construction.
Step-by-Step Guide to Avail Loan Under Apni Chhat Apna Ghar Scheme
Follow these steps to secure your interest-free loan:
- Verify Your Balloting Status:
Visit https://acag.punjab.gov.pk and confirm your selection in the balloting results. - Visit the Bank of Punjab:
Go to the nearest Bank of Punjab branch with your documents. - Account Registration:
Open an account and complete the required formalities. - Loan Application Process:
Provide two witnesses and complete the verification process. - Loan Disbursement:
After verification, the interest-free loan amount will be transferred to your account.
The distribution process for the second phase is in full swing, and beneficiaries are being urged to complete their documentation as soon as possible.
Eligibility Criteria for Apni Chhat Apna Ghar Scheme
To qualify for the scheme, applicants must meet the following requirements:
- Must be a resident of Punjab
- Should own a five marla plot in a city or a ten marla plot in a rural area
- Must belong to a low-income household
- Should provide valid CNIC and property ownership documents
- Should not have availed any previous housing loans under government schemes
Latest Updates on Apni Chhat Apna Ghar Scheme
The scheme has made remarkable progress up to 2025. Here are the recent developments:
- 2050 individuals have received their second installment for home construction.
- Development work has accelerated in nine housing schemes across seven districts.
- 4841 homes are under construction as part of the scheme.
- An eight-member committee has been formed to finalize the Terms of Reference (TORs) for the free plot scheme.
- Work on 35 housing schemes and 2807 plots in 22 districts has been successfully completed.
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Loan Repayment Plan
Beneficiaries are given a flexible repayment period of nine years. Monthly installments are set at PKR 14,000, making it easier for families to manage their finances while building their homes.
New Registration for Apni Chhat Apna Ghar Scheme
For those who have not yet registered, it’s essential to keep an eye on the next registration window. Stay connected with the official website https://acag.punjab.gov.pk for updates.
Final Words
The Apni Chhat Apna Ghar Scheme stands as a beacon of hope for thousands of families in Punjab. By offering interest-free loans and facilitating home construction, the government is taking significant steps to improve living standards. If you qualify, don’t delay—visit the nearest Bank of Punjab and start your journey toward building your dream home.
For further assistance, contact the nearest ACAG help desk at the Deputy Commissioner’s office or reach out to the helpline.