Apni Chhat Apna Ghar ACAG Program 2025 | Complete Registration Guide

In this article, you can find the full information regarding the Apni Chhat Apna Ghar ACAG Program 2025. The Punjab government, led by Chief Minister Maryam Nawaz Sharif, has initiated the Apni Chhat Apna Ghar program, a revolutionary program with the purpose of offering housing options at low and affordable prices to low- and middle-income family members.

This program is the fulcrum of the “pro-people” policy of the government with a vision of ensuring the Punjabi dream of becoming homeowners becomes true for thousands. With its motto “Khushiyon ki Saffar” (Journey of Happiness), the program manifests the determination of the government for social well-being, economic development, and all-around advancement.

So far, the scheme has made remarkable progress:

19,363 houses are nearing completion.
21,657 families have received housing loans of over PKR 22 billion.

This article is a detailed guide to the program, from eligibility requirements to the application process and important resources for applicants.

Overview:

The Punjab Housing and Town Planning Agency (PHATA), a regulatory agency of the Government of Punjab, implements the Apni Chhat Apna Ghar program. Urban planning, housing construction, and making housing finance accessible to underserved groups are among the mandates of PHATA. The agency interacts with banks, builders, and local government authorities to simplify the process of land allotment, disbursement of loans, and house construction.

Key Objectives

Provide affordable housing to homeless and low-income families.
Simplify access to subsidized loans for home construction.
Promote sustainable urban and rural development.
Reduce housing shortages across Punjab.

Eligibility Criteria for Apni Chhat Apna Ghar Program 2025:

To qualify for the Apni Chhat Apna Ghar program, applicants must meet the following requirements:

Residency:

Must be a permanent resident of Punjab.

Land Ownership:

Urban Areas: Applicants must own a residential plot measuring 1–5 marlas (125–250 sq. yards).
Rural Areas: Plot size can range from 1–10 marlas (125–500 sq. yards).

Income Status:

Priority is given to low-income families and homeless individuals.

Documentation:

Valid CNIC.
Proof of residency (e.g., utility bills, voter registration).
Land ownership documents (registered in the applicant’s name).

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CM Apni Chhat Apna Ghar Program 2025 Application Process:

The application process is designed to be user-friendly and transparent.

Online Registration:

Visit the official portal: https://acag.punjab.gov.pk.
Create an account using your CNIC and mobile number.

Form Submission:

Fill out the application form with personal, residential, and financial details.
Upload scanned copies of required documents (CNIC, proof of residence, land ownership papers).

Verification:

PHATA verifies the submitted information through local authorities.

Loan Approval:

Eligible applicants receive a confirmation SMS/email.
Loans are disbursed through partnered banks.

Construction:

Applicants can begin construction using PHATA-approved designs and contractors.

How to Apply?

Applicants have two options:

Online Application:

Access the portal: https://acag.punjab.gov.pk.
Follow the step-by-step guide to submit your application.

Helpline Assistance:

Call 0800-09100 for guidance on documentation, eligibility, or technical issues.

Click Here to Online Apply

Apni Chhat Apna Ghar ACAG Program 2025 Last Date:

Until recently, the program ran on a rolling basis without a deadline. Because of great demand, candidates are, however, urged to apply as soon as possible to confirm their position.

FAQs About Apni Chhat Apna Ghar ACAG Program 2025:

Can non-Punjab residents apply?

No. The program is exclusively for permanent residents of Punjab.

What documents are required for rural applicants?

The same as urban applicants: CNIC, proof of residency, and land ownership papers (1–10 marlas).

How long does loan approval take?

Verification typically takes 4–6 weeks. Successful applicants are notified via SMS.

Are there interest rates on loans?

Loans are subsidized, with low interest rates tailored to low-income beneficiaries. The exact terms depend on the bank.

Can I apply if I don’t own land?

No. Land ownership is mandatory to qualify.

How do I check my application status?

What makes this program different?

It combines speed, subsidies, and support—offering faster approvals, financial aid, and PHATA’s technical assistance.

Conclusion:

“Apni Chhat Apna Ghar” is not just a scheme for housing but has become a lifeline for thousands of families in search of security and dignity. The Punjab government promotes economic development and social justice regarding homeownership. We encourage you to apply online if you qualify or to call the help desk for assistance. Together, let us shape a better future for Punjab!

Apply Now: https://acag.punjab.gov.pk
Helpline: 0800-09100 (9 AM–5 PM, Monday to Saturday)