Apni Chatt Apna Ghar 15 Lakh Loan Scheme
Apni Chat Apna Ghar 15 Lakh Loan Scheme Phase 2 Apply Online Now: Discover the complete guide to securing an interest-free loan of up to Rs. 15 lakh through the Chief Minister Punjab Maryam Nawaz Apni Chat Apna Ghar Scheme Phase 2. This article provides a detailed walkthrough of the online registration process via the official portal (acag.punjab.gov.pk) for 2026.
Learn about the specific eligibility criteria, including the requirement to own land (1 to 5 marla in urban areas or 1 to 10 marla in rural areas) and the PMT score thresholds. We cover the monthly installment plan—designed to be less than Rs. 14,000—and the zero-interest policy that makes homeownership affordable for low-income families. Follow our step-by-step instructions for document submission, CNIC verification, and tracking your application status to ensure you don’t miss out on this life-changing housing initiative in Punjab.
Purpose of the Apni Chatt Apna Ghar Scheme
In Punjab a lot of families own land in the rural and semi-urban areas. However they do not have the money to start building or finish the construction of their homes. Others are living in buildings that’re not safe because they are not finished. The families, in Punjab who own land are still living in these conditions because they cannot afford to build their own homes.
Key Features and Benefits
- Max Loan: 1500, 000 (15 Lakh)
- Interest Rate: 0 to 100% Interest free
- Payment Period: up to 10 years
- Monthly Installment: 12500
Eligibility Criteria
- Must be a permanent resident of Punjab
- Family income less than Rs. 60,000/month
- No fully constructed house in their name
- Must own land (registered in applicant’s name)
- When a house is being built you have to show proof that it’s under construction. This proof is necessary, for a house that is not yet finished. The house being built needs to have some kind of evidence that work is really going on.
- Priority given to widows, orphans, disabled persons, and labour-class workers
- Must have a valid CNIC and registered mobile number
Apni Chatt Apna Ghar Online Registrtaion Process
- Visit the official portal: https://acag.punjab.gov.pk
- Click Apply Now
- Enter personal details: Name, CNIC, mobile number, marital status, income, and address
- Select district, tehsil, and union council
- Provide land details and construction plan
- Tick the declaration box and submit the form
- Wait for confirmation SMS
- Track application status using your CNIC on the portal
Loan Distribution 3 Phases
The loan is given to people, in three parts so that they can use the money correctly. This is done to make sure the loan is used for the things. The loan is released in three stages to ensure the loan is used properly.
- Phase 1: 40% after plot and document verification
- Phase 2: 30% after basic structure completion
- Phase 3: Remaining 30% after roof and finishing work
Required Documents
- Computerized CNIC
- Proof of monthly income
- Land registry in applicant’s name
- Utility bill (gas or electricity)
- Family Registration Certificate (FRC) from NADRA
- Two passport-size photographs
Approaval Time
- Initial screening: 10–15 days
- NADRA and land record verification: 20–25 days
- On-site inspection: 10–15 days
- Final approval in 30–60 days
Conclusion
Apply now for the Apni Chat Apna Ghar Scheme Phase 2 through the official website or your nearest PHATA office before the deadline in 2026. This could be the first step towards a permanent, secure, and dignified future.
Government of Punjab has launched Apni Chat Apna Ghar Scheme Phase 2 in 2026, giving thousands of low-income families a golden opportunity to build their dream homes without the burden of bank interest. Under this program, eligible citizens can get an interest-free loan of up to Rs. 15 lakh to either construct a house on their own land or complete an under-construction home.
