CM Punjab Apni Chhat Apna Ghar Scheme 2026 – Apply Online for 15 Lakh Loan

Do you have your own plot but no money to build a house? Are you tired of living in a rented house or a crowded joint family room? In 2026, the high prices of cement and bricks have made it impossible for a common man to build a home.

To solve this problem, Chief Minister Punjab Maryam Nawaz has launched the “Apni Chhat, Apna Ghar” scheme. This is not just a loan; it is a golden chance for you to get Rs. 15 Lakh without any interest (Sood).

In this article, I will help you understand how to apply. We will discuss the easy monthly installments and how you can get this money directly from the government. If you want to build a safe home for your children, read this guide carefully.

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Key Benefits of the Scheme

No Interest: You only pay back what you borrow. Not a single rupee extra.
Easy Installments: Pay only Rs. 14,000 per month.
Relaxation: You don’t have to pay anything for the first 3 months.
Direct Payment: No middlemen or hidden fees.

Who Can Apply? – Eligibility Criteria 2026)

Before you apply for the Apni Chhat Apna Ghar loan, you must check if you meet these simple requirements. The government wants to ensure that this money reaches only the deserving families of Punjab.

Residence: You must be a permanent resident of Punjab (as per your CNIC).
Plot Size: You should own a plot of up to 5 Marla in cities or up to 10 Marla in rural areas.
Clean Record: You should not be a bank defaulter.
Poverty Score: Your PMT score (Poverty Score) should be within the government’s set limit (usually below 60).
No Other House: This loan is only for people who do not already own a built house.

Special Guide for Joint Families

Many people ask: “We live in a joint family, can we apply?” The answer is Yes!

If you live in a big house with your parents or brothers, you can still apply. However, you must show that you are building a separate portion (a new unit) on the same plot. If the land is in your father’s name, you will need a legal “No Objection Certificate” (NOC) from him to start construction.

Required Documents

Keep these documents ready before starting your online application:

Original CNIC of the applicant.
Clear proof of land ownership (Fard or Registry).
A simple map or plan of the house you want to build.
A valid mobile number registered on your own CNIC.

How to Apply Online (Step-by-Step Guide)

The registration process is 100% digital. You don’t need to visit any office or pay any agent. Follow these easy steps:

Visit the Official Portal: Go to the ACAG portal at acag.punjab.gov.pk.
Create an Account: Click on ‘Register’ and enter your CNIC, mobile number, and email.
Fill the Form: Enter your personal details and provide information about your plot (location and size).
Upload Documents: Scan and upload your CNIC and land ownership documents (Fard/Registry).
Submit: Double-check all information and click ‘Submit’.

After submission, the government team will visit your plot for verification. Once verified, your loan will be approved.

How Will You Get the Money? (Payment Schedule)

The government does not give all Rs. 15 Lakh at once. To ensure that the money is spent only on building the house, the loan is released in three installments:

1st Installment: When your application is approved and you start the foundation.
2nd Installment: When the walls are built and you reach the roof level.
3rd Installment: When the roof (Lanter) and finishing work starts.

Important Bank Role and Security

I want to clarify one common confusion.

People ask if a bank is involved: Yes, the Bank of Punjab (BOP) and other partner banks handle the technical part. However, you are not taking a high-interest loan from the bank. The Punjab government provides the funds, and the bank only manages the accounts and transfers.
What about the plot documents? To secure the loan, the government will keep your original property documents as a “Guarantee.” Once you pay back the full amount in 7 years, your documents will be returned to you safely.

Easy Installment Plan & Loan Recovery

One of the best things about the Apni Chhat Apna Ghar scheme is that you don’t have to start paying back immediately. The government understands that building a house takes time and money.

The 3-Month Grace Period

After receiving the full loan, you get a 3-month break. You don’t have to pay a single rupee during these first three months. This allows you to finish your construction peacefully.

Monthly Installment Details

The total loan of Rs. 1,500,000 is divided into very small monthly payments over 7 years.

Loan Detail	Figures
Total Loan Amount	Rs. 1,500,000
Total Duration	7 Years (84 Months)
Monthly Installment	Rs. 14,000
Grace Period	First 3 Months
Interest/Extra Charges	Zero (0%)

How to Pay Back the Loan?

The repayment process is designed to be hassle-free:

Bank Account: A dedicated account will be opened in your name (usually in Bank of Punjab).
Auto-Debit or Manual: You can deposit your monthly installment of Rs. 14,000 into this account every month.
Payment Centers: You can also pay through designated centers or mobile banking apps as per the government’s latest digital update.

Remember: If you pay your installments on time, your property documents will remain secure and will be handed back to you immediately after the 7th year.

Official Contact Information & Helpline

If you have any specific questions or face issues during the online registration process, you can contact the official authorities directly. Here are the contact details for the Punjab Housing and Town Planning Agency (PHATA):

Helpline Number: 042-99213419 / 042-99213428
Official Email: [email protected]
Head Office Address: PHATA Headquarters, Punjab, Lahore.

Tip: It is recommended to call during official office hours (9:00 AM to 5:00 PM) for a quicker response.

FAQs – Frequently Asked Questions

No, the registration and application process is 100% free. You should only apply through the official Punjab government portal (acag.punjab.gov.pk) and avoid paying money to any third-party agent.

The applicant must ideally be the owner of the land. However, in a joint family system, if the owner (father/husband) gives legal permission (NOC) and the applicant meets the eligibility criteria, they can apply for a separate housing unit.

Since your property documents are kept as a guarantee, it is crucial to pay the Rs. 14,000 installment on time. If you face genuine issues, you should contact the Bank of Punjab to discuss a solution, but continuous failure may lead to legal action or the withholding of your property documents.

Currently, this scheme is specifically designed for low-income residents living in Punjab. The applicant must have a valid CNIC with a permanent address in Punjab and must be physically present for the verification process.

Once you submit the application, the verification team usually visits within 2-4 weeks. If your plot and documents are verified, the first installment is released shortly after the final approval.

Conclusion – Is the “Apni Chhat Apna Ghar” Scheme Worth It?

If you are tired of paying monthly rent and want a permanent roof for your family, the Apni Chhat Apna Ghar Scheme 2026 is the best financial decision you can make this year. While building a house in this inflation (mehangai) seems impossible, an interest-free loan of Rs. 15 Lakh acts as a backbone for low-income families.

The monthly installment of Rs. 14,000 is highly affordable—it’s like paying for your own asset instead of someone else’s property. My expert advice is to start your registration immediately. Even if you are living in a joint family, don’t hesitate to apply if you meet the 5-marla or 10-marla criteria.

Final Takeaway: Your dream of having a home is just one online application away. Be honest in your documentation, stay patient during the 3-week verification process, and soon you will be laying the foundations of your own house. For more updates on 8171 and Punjab government schemes, keep visiting our blog.

CM Punjab Apni Chhat Apna Ghar Scheme 2026 – Apply Online for 15 Lakh Loan

Key Benefits of the Scheme