The Punjab Government has announced Apni Chhat Apna Ghar Scheme Phase 2, offering interest-free loans of up to Rs. 15 lakh for families who want to build their own home. This program is a golden chance for people living in rented houses, shared spaces, or incomplete structures. With simple eligibility rules and a repayment plan of up to 10 years, the scheme aims to turn the dream of a personal home into reality for thousands across Punjab.
This article explains all the key details, from eligibility and loan features to the application process and disbursement method.
Purpose of the Punjab Apni Chhat Apna Ghar Scheme Phase 2
In Punjab, many families own land but cannot afford to build a proper house due to financial struggles. Others keep paying high rents, leaving them with little to save for construction. The Apni Chhat Apna Ghar Scheme (ACAG) is designed to solve this exact problem.
The government will provide zero-interest loans that can be paid back in small monthly installments over a decade. Priority will be given to widows, orphans, disabled persons, and labourers who are most in need of shelter.
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Eligibility Criteria for the ACAG
| Requirement | Details |
| Residency | Must be a permanent resident of Punjab |
| Monthly Income | Less than Rs. 60,000 |
| House Ownership | Should not own a fully constructed house |
| Land Ownership | Land must be in applicant’s name |
| Incomplete Construction | Proof required if house is under construction |
| Priority Cases | Widows, orphans, disabled, labour class |
| Required Documents | CNIC, mobile number, income proof, land papers |
ACAG Loan Details & Repayment Plan
| Loan Feature | Details |
| Maximum Loan Amount | Rs. 1,500,000 |
| Interest Rate | 0% (Completely Interest-Free) |
| Repayment Period | Up to 10 years |
| Monthly Installment | Around Rs. 12,500 |
| Disbursement | In 3 phases, based on construction progress |
| Guarantee | Fully backed by Government of Punjab |
How to Apply for the Apni Chhat Apna Ghar
Applying for the scheme is simple and can be done in two ways:
Online Method:
- Visit acag.punjab.gov.pk
- Click “Apply Now”
- Fill in your Name, CNIC, Mobile Number
- Add your income, address, district, and land details
- Tick the declaration box and submit
- You’ll receive an SMS confirmation
- Track your application anytime using your CNIC
Offline Method:
If you don’t have internet access, visit your nearest PHATA office. Staff will help you fill out and submit the form free of cost.
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Apni Chhat Apna Ghar Loan Disbursement Process
The government has made a step-by-step release plan to ensure funds are used correctly:
- Phase 1: 40% of loan after verification of land and approval
- Phase 2: 30% after the basic structure of the house is complete
- Phase 3: 30% after roof completion and finishing work
Before each installment, local inspection teams will visit to check construction progress.
Documents Required for the Apni Chhat Apna Ghar
- Original & copy of CNIC
- Proof of monthly income
- Land registry in applicant’s name
- Utility bill (Gas or Electricity)
- Family Registration Certificate from NADRA
- Two passport-size photos
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Why This ACAG is Important
- Interest-free financing — no markup or hidden charges
- Small monthly installments over a long period
- Boosts home ownership among low-income families
- Generates jobs in the construction sector
- Transparent process with digital tracking
- Special attention to women-headed households
ACAG Scheme Approval Timeline
Most applications are processed within 30–60 days after verification from NADRA, land records, and site inspection. Once approved, applicants get an official SMS or phone call from PHATA.
Final Words
The Punjab Apni Chhat Apna Ghar Scheme Phase 2 is more than just a housing loan — it’s a lifeline for families struggling to find a stable place to live. By removing the burden of interest and offering an easy repayment plan, the government is giving thousands of people the chance to live under their own roof with dignity.
If you meet the criteria, don’t wait. Apply today and take the first step towards your dream home.
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FAQs
Q1: Who can apply for ACAG Scheme?
Anyone earning below Rs. 60,000/month, owning land but no complete house.
Q2: Is it really 100% interest-free?
Yes, there is no markup or hidden cost.
Q3: What is the maximum ACAG loan amount?
Up to Rs. 1,500,000 in three installments.
Q4: How to apply for ACAG Scheme?
Online at acag.punjab.gov.pk or through PHATA offices.