ACAG.Punjab.Gov.PK Portal ACAG Registration
The Punjab government has launched Phase 2 of the Apni Chhat Apna Ghar Program 2025, providing interest-free home construction loans to up to 70,000 families across Punjab. The initiative aims to empower low-income households by making homeownership a reality without commercial loan interest. Eligible residents must complete online registration through the ACAG portal, requiring personal details, property documents, and proof of income.
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The Apni Chhat Apna Ghar Program: What is it?
This program, which was started under CM Maryam Nawaz’s direction, is a revolutionary move in the direction of ending Punjab’s housing issue. The program helps families who don’t have the money to build their houses by providing interest-free loans up to 1.5 million. This program’s seven-year simple payment plan, which waives the first three installments to lessen the financial stress on families beginning the home construction process, is one of its most alluring aspects. In addition to offering financial assistance, this program helps many families realize a lifelong goal: to leave rental housing and live on their own.
Who Qualifies? Understand the Details
Punjab Government Scheme Eligibility Criteria
• Permanent resident of Punjab.
• Own 5 marla of urban or 10 marla of rural land.
• No previous loans from banks or government housing schemes.
• Poverty score below 60% as per BISP/NADRA data.
• Head of the family.
• Hold a valid CNIC issued by NADRA.
• Monthly income less than 50000.
• No government job or business.
• Applications encouraged before the deadline.
Required Files for ACAG Online Registration
CM Punjab Apni Chaht Apna Ghar Program Phase 2 Registration
• Gathered: Registered ID card, proof of land ownership registry, allotment letter.
• Monthly income verification document.
• Passport-size photo.
• Active mobile number and email address.
• Provide correct, verifiable information for program approval.
| Category | Details |
|---|---|
| Program Name | Apni Chhat Apna Ghar (Phase 2) |
| Initiated By | CM Maryam Nawaz Sharif |
| Loan Amount | Up to Rs. 15 Lakh (Interest-Free) |
| Repayment Period | 7 Years (First 3 Installments Waived) |
| Eligible Families | Up to 70,000 across Punjab |
| Eligibility Criteria | Punjab resident, landowner (5 marla urban/10 marla rural), monthly income < Rs. 50,000, no past housing loans, CNIC holder, etc. |
| Required Documents | CNIC, land ownership proof, income proof, photo, active mobile & email |
| Registration Portal | acag.punjab.gov.pk |
| Purpose | Assist low-income families in building their own homes |
Detailed Registration Procedure for Phase 2 of the Apni Chaht Apna Ghar Program
The Apni Chaht Apna Ghr Program registration process is straightforward and can be completed from home. To register, follow these steps:
1. Enter your complete name, including your 13-digit CNIC number.
2. Provide the name of your father or husband.
3. Enter the CNIC number of your father or husband.
4. Select your gender (Male/Female).
5. Provide a valid email address.
6. Enter your active mobile number.
7. Select your division from the dropdown menu.
8. Choose your district.
9. Select your tehsil.
10. Enter the name of your city.
11. Create a secure password for your account.
12. Re-enter the password to confirm.
13. Complete the registration process by uploading all required documents to the ACAG.Punjab.Gov.PK Portal.
Ensure that all information provided is accurate and that all required documents are uploaded to avoid any delays or issues with your application.
Principal Advantages of the CM Maryam Nawaz 15-Lakh Loan Program
Apni Chaht Apna Ghar Program Benefits in Punjab
• Interest-Free Loan up to 15 lakh.
• 7-Year Easy Installments with a manageable monthly payment of 14,000.
• First 3 Installments waived to reduce financial burden.
• Transparent and easy online registration system.
• Dedicated to low-income families and homeless citizens.
• Aims to uplift 70,000 families in Phase 2.
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In conclusion,
The Apni Chhat Apna Ghar Program Phase 2 is being introduced by the Punjab government with the goal of giving thousands of low-income people interest-free home loans. Chief Minister Maryam Nawaz Sharif is in charge of the program, which provides up to 15 lakh in financial assistance with a seven-year payback schedule and waives the first three installments. To protect their future and leave rental housing, eligible residents can register online at acag.punjab.gov.pk and fulfill the requirements. Sign up now to take advantage of this game-changing program.
FAQs
1. For whom is the Apni Chhat Apna Ghar Program open?
The only people who can apply are permanent residents of Punjab who have a valid CNIC, own 5 marla (urban) or 10 marla (rural) of land, make less than Rs. 50,000 per month, and have never taken out a house loan before.
2. Does the loan have no interest at all?
Yes, there is no interest at all on the loan. With a seven-year payback plan, you may receive up to Rs. 15 lakh. To lessen your financial stress, the first three installments are waived.
3. How can I sign up online for the program?
Go to acag.punjab.gov.pk, complete the form by entering your personal and property information, uploading the necessary files, and submitting it. Verify that all the information is accurate before approving.