اپنی چھت اپنا گھر پروگرام
Apni Chhat Apna Ghar Program Loan Calculator
Interest-Free Apni Chhat Apna Ghar Loan Calculator with Early Payment Rebate
Loan Calculator
Calculation Results (نتائج)
How to Use This Calculator
کیلکولیٹر کیسے استعمال کریں
Calculate your housing loan installment in 3 easy steps
Enter Loan Amount
قرض کی رقم درج کریں
Type the amount you need (maximum Rs. 1,500,000). Use increments of Rs. 10,000 for easy calculation.
Choose Tenure
مدت منتخب کریں
Select your preferred repayment period from 1 to 7 years using the dropdown menu.
Calculate Installment
قسط کا حساب لگائیں
Click the green button to see your monthly payment, total months, and early rebate savings instantly.
Check Rebate Options
چھوٹ کے آپشن دیکھیں
View your savings with 20% rebate (1-3 years) or 10% rebate (4-6 years) for early payment.
Pro Tip: Try different loan amounts and tenures to find the perfect monthly payment for your budget. Remember - paying early saves you money with rebates!
How to Apply - Apni Chhat Apna Ghar
کیسے اپلائی کریں - اپنی چھت اپنا گھر
Check Eligibility
اہلیت چیک کریں
- Own plot: 5 marlas (urban) or 10 marlas (rural)
- پلاٹ: 5 مرلے (شہری) یا 10 مرلے (دیہی)
- Punjab resident with valid CNIC
- پنجاب کا رہائشی، درست شناختی کارڈ
- Income criteria as per PHATA
- پی ایچ اے ٹی اے کے مطابق آمدنی
Apply Online
آن لائن درخواست دیں
- Visit www.acag.punjab.gov.pk
- ویب سائٹ پر جائیں
- Fill complete application form
- مکمل فارم بھریں
- Upload required documents
- ضروری دستاویزات اپ لوڈ کریں
Document Verification
دستاویزات کی تصدیق
- CNIC & plot ownership verification
- شناختی کارڈ اور پلاٹ کی تصدیق
- Income assessment
- آمدنی کا جائزہ
- PHATA team site visit
- پی ایچ اے ٹی اے ٹیم کا دورہ
Get Loan & Build
قرض حاصل کریں اور تعمیر کریں
- Receive approval notification
- منظوری کا نوٹیفکیشن ملے گا
- Loan disbursed in tranches
- قرض اقساط میں ملے گا
- Start house construction
- گھر کی تعمیر شروع کریں
Key Features of Apni Chhat Apna Ghar Program اپنی چھت اپنا گھر پروگرام کی اہم خصوصیات
زیادہ سے زیادہ قرض کی حد
PKR 1,500,000قرض کی مدت
7 Years (84 Months)جلد ادائیگی کی چھوٹ
20% (1-3 yrs) | 10% (4-6 yrs)قرض کی ادائیگی
In Tranchesپلاٹ کا سائز
5 Marlas (Urban) / 10 (Rural)سود کی شرح
0% (Interest-Free)Important Points to Remember یاد رکھنے کے اہم نکات
You must own a residential plot of up to 5 marlas in urban areas or 10 marlas in rural areas
آپ کے پاس شہری علاقے میں 5 مرلے یا دیہی علاقے میں 10 مرلے رہائشی پلاٹ ہونا ضروری ہے
Loan amount is disbursed in tranches based on construction progress milestones
قرض کی رقم تعمیر کی پیش رفت کے مطابق اقساط میں دی جائے گی
Early payment rebate: 20% off if paid within 1-3 years, 10% off if paid within 4-6 years
جلد ادائیگی کی چھوٹ: 1-3 سال میں 20% اور 4-6 سال میں 10% کی چھوٹ
Construction must follow PHATA's approved designs and specifications
تعمیر پی ایچ اے ٹی اے کے منظور شدہ ڈیزائن کے مطابق ہونی چاہیے
Only one application per individual/family is allowed
ایک فرد/خاندان کے لیے صرف ایک درخواست کی اجازت ہے
Apni Chhat Apna Ghar Loan Calculator: Your Easy Path to Home Ownership
Buying a home takes planning. Before you apply for the Apni Chhat Apna Ghar housing loan you need to know exactly how much you will pay each month. Our free loan calculator gives you that answer in seconds.
What is the Apni Chhat Apna Ghar Loan Calculator?
The Apni Chhat Apna Ghar Loan Calculator is a free online tool built for families who want to apply for the Punjab government housing loan. You enter your loan amount and select your repayment period. The calculator instantly shows your monthly installment, total repayment amount and any rebate you can earn by paying early.
No bank visit required. No complicated formula. Just enter two values and get your complete repayment breakdown in one click.
How the Loan Calculator Works
The calculator runs on three simple inputs:
You enter the loan amount you need up to a maximum of Rs. 1,500,000. You select the loan tenure between 1 to 7 years. You click Calculate and the tool shows your full repayment plan.
The result screen shows you four things. Your monthly installment amount. The total number of months for repayment. The total amount you will repay over the full tenure. And the early payment rebate you qualify for if you close the loan before the tenure ends.
Early Payment Rebates
This scheme rewards families who repay their loan ahead of schedule. If you repay within 1 to 3 years you get a 20% rebate on the remaining amount. If you repay within 4 to 6 years you get a 10% rebate.
The calculator shows you both rebate amounts so you can decide the repayment plan that saves you the most money.
How to Use the Calculator
Open the calculator on this page. Type the loan amount you want to borrow. Select your preferred repayment tenure from the dropdown. Click the Calculate Installment button.
Your results appear instantly. You can change the loan amount or tenure as many times as you need. The calculator updates the result every time so you can compare different plans before you decide.
Why This Calculator Helps You
Most families apply for a loan without knowing their monthly commitment. This leads to financial stress later. The Apni Chhat Apna Ghar Loan Calculator removes that uncertainty. You see your exact monthly number before you apply. You see how much you save if you pay early. You make a confident decision based on real numbers.
The loan is completely interest-free. You only repay the principal amount you borrowed. There are no hidden charges and no interest calculations to worry about.
Key Facts
Maximum loan amount is Rs. 1,500,000. Loan tenure runs from 1 to 7 years. The loan carries zero interest. Early repayment earns a rebate of 20% within 3 years or 10% within 6 years. The calculator is free to use with no registration required.
Calculate Before You Apply
Use the calculator at the top of this page before you submit your application. Knowing your monthly installment in advance helps you plan your household budget without any surprises. Enter your loan amount now and see your full repayment plan in one click.
CM Punjab Apni Chhat Apna Ghar Program Calculator
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Step-by-step guide on how to apply for the CM Punjab Apni Chat Apna Ghar Scheme.
Learn How to ApplyFrequently Asked Questions
Everything you need to know about Apni Chhat Apna Ghar Loan Calculator
The maximum loan amount you can apply for through the Apni Chhat Apna Ghar Program is Rs. 1,500,000.
The loan tenure options range from 1 to 7 years. You can select the most suitable duration for your repayment.
The calculator helps you calculate your monthly installment, total repayment amount, and potential early payment rebates by entering the loan amount and selecting the loan tenure.
Yes, the loan is interest-free, meaning you only pay back the principal amount without any additional interest charges.
If you repay your loan early, you are eligible for a rebate:
- 20% rebate if you pay within 1-3 years.
- 10% rebate if you pay within 4-6 years.
Enter the desired loan amount and tenure in the calculator, and it will instantly display the monthly installment amount.
Yes, you can adjust the loan amount and tenure at any time, and the calculator will update the results accordingly.
There is no minimum loan amount, but the loan amount must be within the maximum limit of Rs. 1,500,000.
Repaying the loan early will allow you to take advantage of the early payment rebates, reducing the total amount you need to repay.
After using the calculator, you can proceed with the official application process for the Apni Chhat Apna Ghar Program by visiting the program’s official website and submitting your application online.
Yes, you can use the calculator as many times as you like to try different loan amounts and tenures.
The calculator uses PKR (Pakistani Rupees) for all amounts and calculations.