The Apni Chat Apna Ghar Program is a new housing loan initiative launched by Chief Minister Punjab, Maryam Nawaz. This scheme is designed to help people in Punjab build their own homes. With a target of providing 100,000 housing units, this program is managed under the Punjab Housing and Town Planning Agency (PHATA). Applications are open online at acag.punjab.gov.pk, with district-wise quotas available.
Below, you’ll find all the requirements and steps needed to apply for the program.
Key Requirements for Apni Chat Apna Ghar Program
To apply for this housing loan scheme, applicants must meet the following criteria:
- Primary Family Member Registration
The applicant should be recognized as the primary family member in NADRA’s records. - Punjab Residency
Applicants must be permanent residents of Punjab, as shown on their CNIC. - Property Ownership
- The applicant must own a small piece of land where they plan to build their house:
- 5 Marla or less in urban areas.
- 10 Marla or less in rural areas.
- Ownership must be valid at the time of application submission.
- The applicant must own a small piece of land where they plan to build their house:
- No Criminal History
Applicants should not have any criminal record, especially in anti-state or anti-social activities. - Loan Default Status
The applicant must not have defaulted on any loans from banks or other financial institutions. - Poverty Measurement Tool (PMT) Score
- Applicants must be registered in the National Socio-Economic Registry (NSER).
- The household must have a PMT score of 60 or less.
How to Register for the Apni Chat Apna Ghar Program?
Follow these steps to complete your registration and apply for the Apni Chat Apna Ghar Program:
1. Register Online
- Visit acag.punjab.gov.pk and go to the registration page.
- Enter all your basic information accurately in the online form.
- Make sure the details are authentic, as false information will result in cancellation.
2. Login and Submit Your Application
- After registration, log in using your CNIC and password.
- Carefully read the terms and conditions and proceed to the application form.
3. Complete the Application Form
- Fill in the remaining details, such as property size, current address, socio-economic profile, and employment details.
- If you are married, provide your spouse’s details.
- Upload the following documents:
- Ownership document (Fard for villages, possession letter for cities).
- Front and back photos of the applicant’s CNIC.
4. Enter Remarks and Submit
- Add remarks or feedback in the final section.
- Submit the completed form.
Maryam Nawaz Ghar Scheme Loan Details
| Feature | Details |
|---|---|
| Maximum Loan Amount | PKR 1.5 Million |
| Repayment Period | 7 Years |
| Monthly Installments | PKR 14,000 |
| Interest | Interest-free loans |
| Disbursement | Funds released in tranches |
| Operational Costs | Covered by the Government of Punjab |
District-Wise Quota for 100,000 Housing Units
Each district in Punjab has been allocated a specific quota under this program, ensuring fair distribution of housing loans.
Common Errors and Their Solutions
If you encounter the following error:
“Your application draft has been saved, but PMT Record not found against your CNIC,” visit the nearest NSER Office to update your PMT score.
Benefits of Apni Chat Apna Ghar Program
- Provides interest-free loans for house construction.
- Offers financial support to residents of Punjab to build homes on small plots.
- Supports low-income households through affordable monthly installments.
- Covers operational costs and taxes, reducing the financial burden on applicants.
The Apni Chat Apna Ghar Program is a great opportunity for Punjab residents to fulfill their dream of homeownership. Ensure you meet all the requirements and follow the steps carefully to complete your application. For more updates, visit acag.punjab.gov.pk.