Apni Chhat Apna Ghar Scheme 2025 – Full Guide & Apply Now

June 14, 2025 Shaukat

Imagine having your own home – no more rent, no more shifting from one place to another. Just a house that belongs to you, where your children feel safe, where every wall holds your dreams.

In today’s time, owning a home feels impossible – especially for middle- or low-income families. But now, Punjab Government has taken a big step to turn your dream into reality.

Chief Minister Punjab Ms. Maryam Nawaz Sharif has launched a life-changing scheme: Apni Chhat Apna Ghar Program 2025. This program is not just about buildings – it’s about dignity, dreams, and stability for 1 lakh (100,000) families across Punjab.

Let’s walk together and understand everything about the Apni Chhat Apna Ghar Program—what it is, who can apply, its 3 models, how to apply step-by-step, what documents are needed, and how you’ll finally get your house or loan. Read till the end for the full guide!

What is Apni Chhat Apna Ghar Program?

Let’s say you live in a small rented home. You work hard, pay monthly rent, and still worry about shifting again. You save some money, but building a house costs too much. That’s why the Punjab Government started this scheme: to help people like you build or own their own house.

Main Goal of the Apni Chhat Apna Ghar Scheme:

The goal of this scheme is to provide 100,000 affordable homes to people in Punjab. Those who don’t have a proper house will also get interest-free loans to build one. This program is specially made for low-income and middle-class families who dream of having a home of their own.

What Kind of Help Will You Get?

Low-cost ready-made homes or apartments (in cities and towns)
Interest-free loans to build your house (if you already have a plot)
Subsidies and easy instalment plans

So, whether you want a built home or want to build one yourself, this program has options for you.

Who Is Running the Program?

PHATA (Punjab Housing and Town Planning Agency) – Main executing agency
HUD & PHED Department – Administrative department

These government bodies will manage everything: from approvals to allotments.

CM Maryam Nawaz’s Message – Why This Matters

Owning a home means dignity, security and a better future. We are not just building houses, we are building dreams.

This scheme is personal to the Chief Minister. That’s why she made sure it has:

Real homes, not empty promises
Clear process
No interest on loans
Government-supervised construction

It’s a once-in-a-lifetime opportunity. Don’t miss it.

Apni Chhat Apna Ghar (ACAG) Benefits:

Benefit	Explanation
Better living conditions	Clean, safe homes for low-income families
Less slums or katchi abaadis	People will move to proper planned housing
Access to electricity, water, sewer	All homes will have basic utilities
More community safety	Safe and secure neighbourhoods
Jobs creation	Around 5 lakh (500,000) jobs during construction process
Social uplift	Stronger, better communities

Let’s now dive into the 3 Models of this scheme, so you can decide which one suits you best.

Model 1 – Get an Apartment on State Land (For 10,000 Families)

This model is for people who want to own a built apartment in Punjab.

How It Works:

Government gives itsown land to developers.
Developers build apartments and full infrastructure (roads, water, etc.).
Government will not pay the builder – instead, it gives land.
You will buy these apartments in easy instalments set by PHATA.

Full Process:

Developer constructs buildings on state land.
PHATA provides design and layout – builder must follow that.
You apply for a flat when project is announced.
If selected, you will pay a small down payment.
Then monthly instalments will begin.
After full payment, apartment is yours!

Important Points:

These apartments will be in urban areas.
Prices will be affordable and pre-decided by government.
All construction will be monitored by PHATA.
No hidden charges or private dealing.

This model is good for people who want a ready home and don’t own any land.

Model 2 – Get a House in a Private Scheme (20,000 Homes)

This model is based on a simple idea:

Every private housing society must build homes for poor families too.

How It Works:

Private housing societies approved by PHATA will build low-cost homes on 20% of their land.
You apply through the scheme.
Government gives Rs. 10 Lakh subsidy on each house.
You pay small down payment, and rest in instalments over 5 years.

Step-by-Step:

Developer builds affordable houses.
Government decides size, price, design.
You pay down payment via Escrow Account (safe joint account with PHATA).
Government pays subsidy to developer.
You start paying monthly instalments.
After full payment, you get allotment letter.

Why It’s Great:

You don’t need your own land.
House is ready – no tension of construction.
Down payment is low, and subsidy helps a lot.
Government watches everything for fairness.

Best for: Families who want an independent house in a proper society, but can’t afford market prices.

Model 3 – Build Your Own Home with Interest-Free Loan (70,000 Loans)

This is the most powerful model – especially for those who already have land, but can’t afford construction.

Who Can Apply?

You live in Punjab.
You (or your family member) have 5 marla land in city or 10 marla land in village.
The land is in your own name.

What You Will Get:

Loan of Rs. 15 Lakh (1.5 million)
No interest at all!
Repayment time = 7 years
Monthly instalments will be very easy

ACAG Loan Process:

Step	What You Do
1	Apply online on: www.acag.punjab.gov.pk
2	Fill form with CNIC, land info, etc.
3	Submit documents
4	PHATA verifies your land and identity
5	If approved, loan is given in instalments
6	You start construction
7	Repay in monthly instalments (for 7 years)

Why This Model is Amazing:

No need to sell gold, borrow or take bank loans
Government pays even operational cost and sales tax
You remain owner of your land and house

This model is great for people who already own land but don’t have money to build.

District-Wise Loan Distribution

Want to know how many loans will be given in your area?

Sr. No.	Zone	PHATA Region	Districts	Loan Distribution	PHATA Region wise Units	Packaging
1	Center	Bhakar	Bhakar	283	1913	4423
2			Khushab	243
3			Layyah	366
4			Mianwali	307
5			Muzaffargarh	714
6		Faisalabad	Chiniot	313	2511
7			Faisalabad	851
8			Jhang	451
9			Sargodha	520
10			Toba Tek Singh	376
11	North	Lahore	Gujranwala	657	5804	8003
12			Hafizabad	302
13			Kasur	484
14			Lahore	1690
15			Nankana	314
16			Narowal	357
17			Okara	518
18			Pakpattan	401
19			Sheikhupura	512
20			Sialkot	570
21		Rawalpindi	Attock	287	2198
22			Chakwal	263
23			Gujrat	466
24			Jhelum	225
25			Mandi Bahauddin	358
26			Rawalpindi	600
27	South	Bahawalpur	Bahawalnagar	454	1684	5074
28			Bahawalpur	517
29			Rahim Yar Khan	714
30		Multan	DG Khan	498	3390
31			Khanewal	458
32			Lodhran	380
33			Multan	726
34			Rajanpur	368
35			Sahiwal	443
36			Vehari	517
		TOTAL:		17500	17500	17500

Grand Total Loans (Punjab-Wide): 17,500

Your chances are high if you apply early from your district’s quota.

Eligibility Criteria for Apni Chhat Apna Ghar Program

Please check each point carefully:

You Can Apply If:

You or your family member is from Punjab (verified by CNIC).
You are not a criminal (no record of major crimes).
You are not a bank defaulter.
For interest-free loan: You own land (max 5 marla urban / 10 marla rural).

You Can’t Apply If:

You live outside Punjab.
You already got a house under a similar scheme.
You don’t own land (only for Model 3).

How to Apply for Apni Chhat Apna Ghar (ACAG) Program?

Here’s how you can apply easily:

Click the button below to Apply For Apni Chhat Apna Ghar Program

CITIZEN REGISTRATION FORM – Apply Now For Apni Chhat Apna Ghar Program

Fill the Form:

Field	What to Fill
Full Name	Your complete name (as on CNIC)
CNIC	13-digit National ID
Relation (S/O, D/O, W/O)	Son/Daughter/Wife of
Father/Husband CNIC	Their CNIC number
Gender	Select from Male/Female/Others
Mobile Number + Network	Enter your number and network (Zong, Jazz, etc.)
Email	Optional but recommended
Division, District, Tehsil	Select your area
City	Write your city
Password	Create login password

Then click Register (رجسٹر کریں) and wait for further instructions via SMS.

You Might Also Like: Apni Chhat Apna Ghar Ballot Result – 5th CM PDF Download

Frequently Asked Questions (FAQs)

1. What is the total subsidy given by the government in ACAG Program?

The government is giving a massive 60% subsidy to help poor and middle-class families build their homes. This means you will not have to bear the full construction cost.

Out of 100%, the government will pay 60% of the cost for you. That’s a big relief!

2. What about the remaining 40% payment?

The remaining 40% of the cost will be paid by the applicant (beneficiary). But don’t worry! You don’t need to pay all at once.

You can easily pay it in monthly installments of Rs. 14,000 over a period of 5 years. So, it’s designed to be affordable and stress-free.

3. Is there any interest or mark-up on the ACAG loan?

No! ACAG Loan is a mark-up-free loan under the Punjab Government. You just return the original amount (your 40% part) in small monthly installments – that’s it. No hidden charges.

4. Do I need to own land to apply for this Apni Chhat Apna Ghar scheme?

Yes, owning land is compulsory. This program is designed for people who already own a plot, but need help building their home on it.

In cities, you must own 1 to 5 Marla land
In villages, you must own 1 to 10 Marla land

If you don’t own land, you cannot apply for the Apni Chhat Apna Ghar Scheme. But don’t worry! You can still apply for the Apni Zameen Apna Ghar Scheme, where Chief Minister Punjab Maryam Nawaz is giving free 3-marla plots to poor families who don’t own any land or property in Punjab.

5. Can I apply if I already have a home?

No, this scheme is only for people who don’t have a home yet and want to build their first home on their own land. If you already have a complete house, you won’t be eligible.

6. Can I apply from any district in Punjab?

Yes! Apni Chhat Apna Ghar scheme is for all districts of Punjab. From Lahore to Bahawalpur, and from Rawalpindi to Bhakkar, everyone can apply if they meet the eligibility.

7. What if I get rejected or my ACAG application is incomplete?

If your application is incomplete, you may receive a message from 8070 stating the issue. In that case:

Call the helpline: 0800-09100
Visit the nearest PHATA office for correction and help.

Want full step-by-step help? Read this guide: ACAG Application Incomplete Message From 8070 – Real Solution!

8. Is there any last date to apply for Apni Chhat Apna Ghar Program?

As of now, no final deadline has been announced for Apni Chhat Apna Ghar Program, but since this is a first-come, first-served scheme, it’s better to apply as soon as possible.

Final Words:

Whether you’re a laborer, school teacher, widow, or shopkeeper – this scheme is for you. Just choose your model, apply online, and take your first step towards your own home. This isn’t just a scheme. It’s a new chapter of life.

Apply now. For More FAQs, call helpline: 0800-09100 or visit your nearest PHATA office.

Share this post with your friends and family. Maybe someone you know is still waiting for a chance to own a home. Stay hopeful. Stay strong. Your home is closer than ever. Keep Visiting: Allprograms.com.pk