Apni Chhat
Apna Ghar Scheme
اپنی چھت اپنا گھر اسکیم — مکمل گائیڈ ۲۰۲۵
Punjab government's interest-free housing loan — up to PKR 15 Lac at 0% markup for low-income families to construct their first home. No hidden charges, no bank markup.
What is Apni Chhat Apna Ghar?
اپنی چھت اپنا گھر کیا ہے؟Apni Chhat Apna Ghar is the Chief Minister of Punjab's flagship interest-free housing loan initiative, designed to help low-income families build their very first home. Unlike commercial bank mortgages that charge 18–22% annual interest, this scheme provides a loan of up to PKR 1,500,000 at absolutely 0% interest — meaning you pay back exactly what you borrow, nothing more.
The scheme targets those who already own a small plot of land (up to 5 Marla in urban areas, 10 Marla in rural areas) but cannot afford construction costs. The loan is disbursed in installments based on verified construction progress, ensuring the money is used exactly for building the home.
A 3-month grace period means you do not pay any installment for the first 3 months after receiving the loan — giving you time to start construction before repayment begins. After that, your monthly installment is approximately PKR 14,286 — spread over 7 years (84 months).
First Home Construction Only
This loan is specifically for constructing your first residential home. You must own the plot but not have any other house. Plot expansion or renovation does not qualify.
Progress-Based Disbursement
The loan is released in phases — not as one lump sum. As construction progresses and is verified on-site, each tranche of the loan is released to prevent misuse.
3-Month Grace Period
No EMI is charged for the first 3 months. This allows you to start construction comfortably before monthly repayments begin — a meaningful benefit for low-income families.
Fully Digital Application
The entire process — registration, document upload, and application tracking — is done online at acag.punjab.gov.pk. No government office visit required for the initial application.
Loan Installment Calculator
ماہانہ قسط کیلکولیٹرCalculate your estimated monthly installment according to the official scheme structure: up to PKR 15 Lac, 0% markup, 7-year tenure, 3-month grace period, and around PKR 14,000 monthly installment on the maximum loan amount.
Select your loan amount, area type, plot size, and purpose to check estimated installment and basic eligibility.
⚠️ Disclaimer: This calculator gives an estimate using the scheme ratio where PKR 15 Lac equals around PKR 14,000 monthly installment. Final approval, installment schedule, tranche release, and eligibility are confirmed only by the official ACAG portal or helpline.
Eligibility Criteria
اہلیت کی شرائطRead both columns carefully before applying. The "not eligible" conditions are absolute — there are no exceptions.
- ✅Permanent resident of Punjab with a valid Punjab CNIC
- ✅You own a plot in your name — Urban: up to 5 Marla | Rural: up to 10 Marla
- ✅This will be your first ever home — you have never owned a house before
- ✅Your spouse and dependent children also do not own any house anywhere in Pakistan
- ✅You have a clean credit history — not a bank defaulter
- ✅You have a clean criminal record
- ✅Your plot has a proper Registry or Fard in your name
- ❌You or your spouse already own a house anywhere in Pakistan
- ❌Your plot is larger than 5 Marla (urban) or 10 Marla (rural)
- ❌Your CNIC is expired or not registered in Punjab
- ❌You are a bank defaulter with any financial institution
- ❌You have a criminal record or pending legal case
- ❌The plot does not have a clear title — disputed or court-contested land
- ❌You want the loan for plot purchase, renovation, or expansion — construction only
Required Documents
ضروری دستاویزاتGather these before starting your online application. Scanned copies or clear photographs are accepted on the portal. Originals may be needed during physical verification.
CNIC — Applicant
Valid Punjab CNIC. Must not be expired. Both front and back sides required.
CNIC — Spouse
Spouse's valid CNIC. Required to verify that spouse does not own any property.
Registry / Fard-e-Malkiat
Plot ownership proof. Fard from Patwari or Registry from Sub-Registrar — both accepted.
First-Home Affidavit
Notarized declaration that neither applicant nor spouse owns any residential property in Pakistan.
Recent Photographs
Passport-size photographs of the applicant. Usually 2 recent copies required.
Utility Bill (Current Address)
Electricity or gas bill not older than 3 months — used to verify your current residence.
Income Proof
Salary slips (3 months) + bank statement (6 months) for salaried. Bank statement (12 months) + NTN for self-employed.
Income Tax Returns
Last 2 years' FBR return if you file taxes. Strengthens your application significantly.
Step-by-Step Application Process
درخواست کا مرحلہ وار طریقہThe entire initial application is online — no government office visit required. Processing typically takes 3–6 weeks from submission to first loan tranche.
Visit the Official Portal
سرکاری ویب سائٹ پر جائیںGo to acag.punjab.gov.pk from your phone or computer. This is the only official website — do not use any third-party portal or agent. The helpline is 0800-09100 (toll-free) if you need assistance.
Create Your Account
اکاؤنٹ بنائیںClick the registration section and enter your full name, CNIC number, and mobile phone number to create your applicant profile. You will receive a verification code on your registered mobile number. Keep this number active throughout the process.
Log In and Fill the Application
لاگ ان اور فارم بھریںLog in using your CNIC and password. Fill in your personal details, monthly income information, plot size, and exact location. Be accurate — any mismatch with official records during verification will delay or reject your application.
Upload Documents and Submit
دستاویزات اپ لوڈ کریں اور جمع کروائیںAttach clear scanned copies or photographs of your CNIC and plot ownership proof (Registry or Fard). Upload all other required documents as listed in the "Required Documents" section above. Review everything before clicking Submit.
Physical Verification
جسمانی تصدیقAfter online submission, a government team visits your plot for on-site inspection and document verification. Cooperate fully and ensure your original documents are ready. This step usually takes 1–3 weeks depending on your district's processing queue.
Approval and First Tranche Disbursement
منظوری اور پہلی قسطUpon successful verification, you receive your loan approval letter. The first tranche of the loan is deposited into your designated bank account. Subsequent tranches are released as construction progresses and is verified by government representatives.
Punjab Districts Loan Quota
اضلاع کا مختص حصہEach district of Punjab has a defined quota for how many loans can be sanctioned under this scheme per cycle. Applying early in your district improves your chances of approval before the quota fills up.
| Division | District | Quota (Units) | Status |
|---|---|---|---|
| Lahore | Lahore | 2,500+ | ✓ Open |
| Lahore | Sheikhupura | 800+ | ✓ Open |
| Lahore | Nankana Sahib | 400+ | ✓ Open |
| Lahore | Kasur | 600+ | ✓ Open |
| Rawalpindi | Rawalpindi | 1,200+ | ✓ Open |
| Rawalpindi | Attock | 500+ | ✓ Open |
| Rawalpindi | Chakwal | 400+ | ✓ Open |
| Rawalpindi | Jhelum | 400+ | ✓ Open |
| Faisalabad | Faisalabad | 1,800+ | ✓ Open |
| Faisalabad | Jhang | 600+ | ✓ Open |
| Faisalabad | Chiniot | 300+ | ✓ Open |
| Faisalabad | Toba Tek Singh | 400+ | ✓ Open |
| Gujranwala | Gujranwala | 1,000+ | ✓ Open |
| Gujranwala | Sialkot | 700+ | ✓ Open |
| Gujranwala | Gujrat | 600+ | ✓ Open |
| Gujranwala | Narowal | 350+ | ✓ Open |
| Gujranwala | Hafizabad | 300+ | ✓ Open |
| Multan | Multan | 1,200+ | ✓ Open |
| Multan | Khanewal | 500+ | ✓ Open |
| Multan | Lodhran | 350+ | ✓ Open |
| Multan | Vehari | 450+ | ✓ Open |
| Bahawalpur | Bahawalpur | 900+ | ✓ Open |
| Bahawalpur | Bahawalnagar | 500+ | ✓ Open |
| Bahawalpur | Rahim Yar Khan | 700+ | ✓ Open |
| Sargodha | Sargodha | 800+ | ✓ Open |
| Sargodha | Mianwali | 350+ | ✓ Open |
| Sargodha | Bhakkar | 300+ | ✓ Open |
| Sargodha | Khushab | 300+ | ✓ Open |
| Sahiwal | Sahiwal | 600+ | ✓ Open |
| Sahiwal | Okara | 500+ | ✓ Open |
| Sahiwal | Pakpattan | 300+ | ✓ Open |
| DG Khan | Dera Ghazi Khan | 700+ | ✓ Open |
| DG Khan | Rajanpur | 400+ | ✓ Open |
| DG Khan | Muzaffargarh | 600+ | ✓ Open |
| DG Khan | Layyah | 350+ | ✓ Open |
| Gujranwala | Mandi Bahauddin | 350+ | ✓ Open |
* Quota numbers are approximate and updated per official cycle. Verify current status at acag.punjab.gov.pk/Layouts/Districts. Applying early in your district is strongly recommended as quotas fill on a first-come-first-served basis.
Ready to Apply for Your Free Loan?
آج ہی درخواست دیں — مفت قرض حاصل کریںThe application is 100% online, completely free, and takes less than 30 minutes. Visit acag.punjab.gov.pk or call 0800-09100 for help.
Apply Now at Official Portal →Frequently Asked Questions
اکثر پوچھے جانے والے سوالاتReal questions answered clearly — based on the official scheme details and common applicant concerns.
Accurate. Independent. Always Free.
Everything on this page is sourced from official Punjab Government portals and reviewed by our editorial team.
Verified from Official Sources
All information sourced from acag.punjab.gov.pk and Punjab Government official documents — not social media or unverified rumors.
Regularly Updated
Our editorial team reviews this page at least monthly to reflect any policy changes, quota updates, or new scheme modifications.
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