Apni Chhat Apna Ghar Scheme 2026 - 15 Lakh Loan - 100,000 Houses - Apply Online

TrickPk  Published on:   8/25/26

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Apni Chhat Apna Ghar Scheme 2026 - 15 Lakh Loan - 100,000 Houses

CM Punjab Free House Scheme - acag.punjab.gov.pk - Apply Online - Interest Free Loan

🏠 100,000 Houses 💰 15 Lakh Loan ✅ Interest Free

Apni Chhat Apna Ghar Scheme 2026 launched by CM Maryam Nawaz with 100,000 houses and 15 lakh interest free loan for Punjab families. Apni Chhat Apna Ghar scheme apply online at acag.punjab.gov.pk portal. Apna ghar scheme Punjab 2026 registration open for homeless families and those with 1-5 marla plot. If you search apni chhat apna ghar scheme, apna ghar scheme punjab, acag punjab gov pk, cm punjab house scheme 15 lakh loan, apni chhat apna ghar apply online, free house scheme punjab - this has official method today. 15 lakh loan interest free, 7 years easy installments Rs.14,000 monthly, no hidden charges. Must have plot or apply for plot + loan both. Punjab domicile required, income less than 60K.

🏠 Apni Chhat Apna Ghar Scheme 2026 - 100,000 Houses - 15 Lakh Loan

🏡 Scheme Overview - 100K Houses + 15 Lakh Interest Free

Total Houses	100,000 Houses - Phase 1 - All Districts Punjab
Loan Amount	15 Lakh Rupees - Interest Free - No Interest at All
Monthly Installment	Rs.14,000 Per Month - 7 Years Easy - 84 Installments
Official Portal	acag.punjab.gov.pk
Eligibility Plot	1 to 5 Marla Plot in Punjab - Own Plot or Apply for Government Plot
Income Limit	Less than Rs.60,000 Monthly Family Income
Registration Fee	Rs.0 - Free Registration - No Fee

👨‍👩‍👧‍👦 Who Can Apply? Eligibility - Plot + Income

📋 Eligibility Checklist - Must Have

• Punjab Domicile and CNIC - Permanent resident of Punjab
• Have 1-5 Marla Plot - In Punjab, own name or family member, OR no plot - can apply for plot + loan (government will give plot in low-cost housing scheme)
• Income Less Than 60K - Family monthly income below Rs.60,000 - Proof via affidavit
• No House - Applicant or family should not own house in Pakistan (plot allowed, house not allowed)
• Age 18+ - CNIC holder
• No Bank Defaulter - Not defaulter of any bank loan
• One Application Per Family - Husband, wife, unmarried children count as one family

📄 Documents Required

🗂️ Documents List

• CNIC Front and Back - Applicant and Spouse
• Punjab Domicile - Optional but preferred
• Plot Registry / Fard / Allotment Letter - If you have plot
• Income Affidavit - Income less than 60K on Rs.100 stamp paper
• 2 Passport Size Photos
• Mobile Number - Active SIM on own CNIC

📊 How to Apply Online - acag.punjab.gov.pk - Step by Step

1

Visit Official Portal - Open acag.punjab.gov.pk. Click Citizen Registration. Create account with CNIC, mobile, email, password.

2

Login and Fill Form - Enter personal info, family info, income, plot details if you have plot. If no plot, select "I need plot + loan" option.

3

Upload Documents - Upload CNIC, plot papers, affidavit, photos. Submit application. You get Application ID.

4

Verification and Loan - Tehsil office verifies plot and income. If approved, 15 lakh loan transferred to your bank account in 2 installments. Build house within 1 year. Pay Rs.14,000 monthly for 7 years.

❓ FAQ - Apni Chhat Apna Ghar

Q: What is last date for Apni Chhat Apna Ghar scheme?
No last date - open till 100,000 quota complete - apply ASAP at acag.punjab.gov.pk

Q: If I have no plot can I apply?
Yes - select "Need plot + loan" - government will give 3 marla plot in low-cost housing scheme + 15 lakh loan for construction.

Q: Is 15 lakh loan interest free?
Yes 100% interest free - no interest at all - only principal 15 lakh return in 84 installments Rs.14,000/month.

Q: Can women apply?
Yes women can apply - preference to widows, divorced women, disabled persons.

🏠 Official Portal: acag.punjab.gov.pk - 100,000 Houses - 15 Lakh Interest Free Loan - Apply Online Free