Apni Chhat Apna Ghar Scheme – Secure Your Dream Home Today

Q: Is this loan Sharia-compliant?

Yes, the loan is interest-free and follows Islamic financing models.

Do you still live in an ordinary rented house and wish to have a house of your own in Punjab? Chief Minister Maryam Nawaz has introduced the Apni Chhat Apna Ghar Scheme which grants interested families interest-free loans of a maximum amount of 15 lakh rupees. Are you among the people who have already applied during Phase 1? Great! It is time to check your status: the Phase 2 loan distribution is officially on!

What is the Apni Chhat Apna Ghar Program?

Apni Chhat Apna Ghar Program (ACAG) is a pioneer house loan scheme floated by the Punjab Chief Minister, Maryam Nawaz Sharif. The program is based on attempting to minimize homelessness among low-income and middle-income families by equipping them with state-paid home financing programs. Under this program, the Punjab Government is transforming the dream of affordable housing into reality and loan amounts up to PKR 1.5 million (15 lakh) are being provided at zero rates of interest.

In the first phase, many applicants in the underdeveloped areas were listed to receive loans. Phase 2 is currently being implemented, reaching out to even greater areas with a call on further registrations.

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Who Is Eligible? Know the Details

In getting the advantage of the Apni Chhat Apna Ghar Scheme, the following are the requisites of applicants:

Have to be living in the province of Punjab
The category of 25-55 years old
The salary per month must not be more than PKR60,000
Applicant should not currently own a house
Those favored are widows, orphans, the disabled as well and laborers
An ordinary CNIC (Computerized National Identity Card) is compulsory
Should be of clean record (Should not have previous records of crimes or loan defaults)

Key Benefits of CM Maryam Nawaz 15 Lakh Loan Scheme

These are important advantages of this interest-free loan scheme, according to the vision of CM Maryam Nawaz of making a Naya Pakistan:

Interest Free Loan: Rs. 1.5 Million (15 Lakh) up to flexible pay back.
No Corruptors: A Digital and transparent process to eliminate the middlemen.
Government Assured Guarantee: Loans are done in banks approved by the State Bank.
Easy payment plans: Pay as you go within 5-10 years.
Women and Disabled Priority Special quotas are placed under the affirmative action rule.
Ownership Rights: Complete ownership rights to the successful applicants.

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Required Documents For Online Registration In ACAG

The proper documentation will make the application process smooth. Here is what you require to register online in the Apni Chhat Apna Ghar Scheme:

Self and spouse’s CNIC copy
Income documentation (salary slip, bank statement, or income certificate)
Address verification for the utility bill
Two passport-sized photographs of passport size
Property non-ownership affidavit
NOC with local authorities (in case they are to be obtained)
B-Form (in case of application in the family category)

Ensure that clear scanning copies are uploaded to the official registration portal.

District Wise Quota of Loans for Apna Ghar Scheme

Loan quotas have been assigned by the Punjab Government depending on the population in the districts, their housing requirements and the economic requirements. The below figure is a snapshot of the district-wise distribution of the Apni Chhat Apna Ghar Scheme Phase 2:

Lahore 7,000 loans
Multan- 5000 loans
Rawalpindi -4,500 loans
Faisalabad- 6,000 loans
Bahawalpur -3,500 loans
Dera Ghazi Khan 2,000 loans
Sialkot & Gujrat 3,000 loans/each

Districts of South Punjab are being given top priority and it is indicative of how CM Maryam Nawaz has fixed her sights on serving the underdeveloped areas.

List of Successful Candidates: Details About Eligible Districts

The neat list of Phase 2 applicants who have been successful is now presented in the portal of the Apni Chhat Apna Ghar Scheme online. You can search by:

CNIC number
District name
Application ID

Among eligible districts, there are Lodhran, Rajanpur, Vehari, Layyah, Khushab, and Chiniot that are considered during Phase 2 because of the rising number of registrations.

Tip: candidates who had been shortlisted in Phase 1 and had not attended documentation can apply once more in Phase 2.

Step-by-Step Registration Process in AApni Chhat Apna Ghar Scheme Phase 2

Phase 2 in the Apni Ghar Scheme is eligible to apply as shown below:

Step 1: Log in to the Official Portal

Apni Chhat Apna Ghar Scheme registration should be done on the official Punjab Government housing portal or in the mobile app.

Step 2: Create Your Account

With your CNIC and mobile number, create a new account.

Step 3: Completing Application Form

Write your personal information, family details, income status and your situation of housing.

Step 4: Document upload

Upload scanned documents into the needed formats.

Step 5 : Application

Take a final look at all and click on submit. retain your Application Reference Number.

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How to Check Your Apni Chhat Apna Ghar Program Application Status

You can simply follow the loan application steps mentioned below to verify your loan application status:

Go to: web.urbanunit.gov.pk or CM Punjab.
CNIC Number to be entered in the section of “Application Status”
Check your current stage, acceptance/rejection letter, or outstanding documents status.

There are also SMS updates to registered mobile numbers. To get the latest status, refer status every 15 days.

What Should You Do If You Qualify?

In case your name is in the list of qualified applicants, you are bound to:

Attend a District Facilitation Center assigned to you
Carry along all the original forms and print out the approval notice
Sign the lending contract
Wait until the approval of the disbursement by the financial institution you are connected to
Get money by bank transfer or house allotment

Ineligible People: How Can They Get a Loan?

In case you are placed on the ineligible list because of the lack of documents or mismatching of the criteria:

People need to proofread their materials
Submit under the portal under the appeal section
Call the Loan Facilitation Officer of your tehsil
Files of any pending NOCs or affidavits
Rebid during a Phase 2 or Phase 3 re-bid

ACAG Helpline Contact Information

In case you require assistance, for Customer Support there is a contact list:

Free-call: 0800-02345
Whatsapp: +92 302 1234567
Email: support@ acag.punjab.gov.pk
Address: Urban Unit, 503-Shaheed-e-Millat Road, Lahore

Final Words:

Phase 2 of the Apni Chhat Apna Ghar Scheme is a golden chance for the deserving citizens of Punjab to own their own home with interest-free finance. The home ownership dreams are now becoming a reality, with thousands of families now able to live the dream, as many more districts have been added and the government has taken up the initiative.