Apni Chhat Apna Ghar Program 2025
Punjab Chief Minister Maryam Nawaz Sharif has launched the “Apni Chhat Apna Ghar Program 2025” for the people of Punjab. The Punjab government will construct one lakh houses through this scheme. Under this, interest-free loans of up to Rs 1.5 million will be provided to those who want to build a house so that they can build their own house on their own land. The aim of this program, launched by Punjab is to help those who want to build a house but cannot build their own house due to financial difficulties and are living in poverty.
This is a golden opportunity for them through which they can build their own house. In this article, you have been provided with all the information about this program, so read it completely so that you can also join this program.
Objectives of the Apni Chhat Apna Ghar Program
The Apni Chhat Apna Ghar Program is not just about providing houses, but also about improving the standard of living of low-income families. Some of the main objectives are:
- To reduce overcrowding and eliminate slums.
- To provide basic facilities like clean water, sanitation, and electricity.
- To create social harmony and strengthen communities.
- To generate economic benefits by creating nearly five lakh new jobs through housing construction.
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Eligibility Criteria for the Apni Chhat Apna Ghar Program
To apply for the Apni Chhat Apna Ghar Program 2025, applicants must fulfill the following requirements:
- Must have a Punjab domicile.
- Must own 5 marla land in urban areas or 10 marla land in rural areas.
- Must have a valid phone number.
- The applicant must not be a defaulter of any bank.
- The applicant should be registered in the National Economic History.
- 60% of the monthly income should not already be spent on loan repayments.
- No criminal record should exist against the applicant.
Who Is Not Eligible for the Apni Chhat Apna Ghar Program?
Not everyone can apply for this scheme. The following categories are not eligible for the Apni Chhat Apna Ghar Program 2025:
- People who do not belong to Punjab.
- Those who do not own any land.
- Those who have a debt burden of more than 60% of their income.
- People with any kind of criminal record.
Required Documents & Registration Steps
To apply successfully in the Apni Chhat Apna Ghar Program, you must have the following documents:
- CNIC (front and back copy).
- Punjab domicile.
- Land ownership documents.
Registration Process:
- Visit the official Punjab government portal:acag punjab gov pk
- Click on the “Registration” button.
- Enter your details, including name, CNIC number, father’s/husband’s name, gender, email, phone number, division, district, tehsil, and city.
- Create a password and confirm it.
- Log in again and upload the required documents, such as CNIC images and land papers.
- Check all the details carefully before clicking Submit.
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Application Review & Selection (Electronic Lottery)
Once the application is submitted, the record will be verified at the district level. The Punjab government will check the land ownership documents and other details. After verification, an electronic lottery will be held.
- Only those whose names appear in the lottery will be considered successful applicants.
- Successful applicants will be contacted by the Punjab government.
- They will receive an interest-free loan that must be used only for house construction.
- If the loan is misused, the government has the right to take back the money and also take legal action.
Loan Features & Repayment Terms
The Apni Chhat Apna Ghar Program 2025 offers one of the most affordable housing loan options in Punjab:
- Loan Amount: Up to Rs. 1.5 million.
- Loan Type: 100% Interest-free.
- Repayment Period: 7 years.
- Repayment Method: Easy installments.
- Condition: The loan must be used only for house construction.
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Land Requirements & Restrictions
Applicants must meet the following land-related conditions:
- Urban applicants must have at least 5 marla of land.
- Rural applicants must have at least 10 marla of land.
- The land must be empty and without any existing houses.
- The land must be owned legally by the applicant.
Portal Status & Deadlines
The registration portal for the Apni Chhat Apna Ghar Program 2025 is currently open. Applicants who have not yet registered should apply before the official deadline. This is a limited-time opportunity, so families are advised to register as soon as possible.
Contact & Helpdesk Information
If you face any issues during registration or need further information about the Apni Chhat Apna Ghar Program 2025, you can contact the official helpline:
09100-0800
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FAQs about Apni Chhat Apna Ghar Program 2025
What is the Apni Chhat Apna Ghar Program 2025?
It is a housing scheme launched by CM Maryam Nawaz Sharif to build one lakh houses and provide interest-free loans up to Rs. 1.5 million.
Who can apply for the Apni Chhat Apna Ghar Program 2025?
Applicants with a Punjab domicile, 5 marla (urban) or 10 marla (rural) land, no criminal record, and not being a bank defaulter can apply.
Who is not eligible for the Apni Chhat Apna Ghar Program 2025?
People without land, those with loans above 60% of income, non-Punjab residents, or those with a criminal record are not eligible.
What documents are required for registration?
CNIC, Punjab domicile, and land ownership papers are required for registration.
How can I register for the Apni Chhat Apna Ghar Program 2025?
You can register online at the official portal:acag punjab gov pk.
How much loan will be given under the Apni Chhat Apna Ghar Program 2025?
An interest-free loan of up to Rs. 1.5 million will be provided with a 7-year easy installment plan.
How will applicants be selected?
Applicants will be selected through an electronic lottery after verification at the district level.
What happens if the loan is misused?
If the loan is used for any purpose other than house construction, the government can take back the money and take legal action.
Is the registration portal still open?
Yes, the registration portal is currently open, and applicants can submit their applications before the due date.
How can I get more information about the Apni Chhat Apna Ghar Program 2025?
For more details, you can contact the helpline at 09100-0800.
Conclusion — Next Steps for Applicants
The Apni Chhat Apna Ghar Program 2025 by Punjab Chief Minister Maryam Nawaz Sharif is a life-changing housing scheme for low-income families. By providing one lakh new houses and interest-free loans, the Punjab government aims to reduce poverty and improve living standards. If you meet the eligibility criteria, prepare your documents, visit the official portal, and complete your registration today. This is your chance to build your own home and secure a better future for your family.
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