Apni Chhat Apna Ghar Scheme 2025 Phase 2 has started in Punjab. It is led by Chief Minister Maryam Nawaz Sharif. This scheme helps poor families. It gives them interest free home loans. Families can get up to 15 lakh rupees. Over 70 thousand families will get benefits in this phase. The goal is to give people a safe and respectful place to live. It helps them build or repair homes.
You can apply online through the official ACAG portal. The link is acag.punjab.gov.pk. The registration is easy and simple. You must upload documents. These include CNIC and income proof.
If you have no land you can apply for a free 3 marla plot. This is under the Apni Zameen Apna Ghar Scheme. It is also run by the Punjab Government. It helps poor people without land.
Below is the important information table for easy understanding.
Important Information
| Topic | Details |
|---|---|
| Scheme Name | Apni Chhat Apna Ghar Scheme 2025 |
| Phase | Phase 2 |
| Loan Amount | Up to 15 lakh rupees |
| Interest Rate | 0% Interest |
| Area | Punjab only |
| Website | acag.punjab.gov.pk |
| Total Families Targeted | Over 70,000 |
| Land Requirement | Urban: Up to 5 Marla Rural: Up to 10 Marla |
| Income Limit | Below 50,000 rupees per month |
| Free Plot Scheme | Apni Zameen Apna Ghar Scheme |
| Plot Size (No land applicants) | 3 Marla |
Districts Included in Phase 2
The scheme covers many districts in Punjab. Here are some districts that are part of the plan:
Multan Zone includes Multan Khanewal Lodhran Vehari and Muzaffargarh
D.G. Khan Zone includes D.G. Khan
Rawalpindi Zone includes Attock Jhelum Rawalpindi Chakwal Talagang Mianwali and Bhakkar
Lahore Zone includes Lahore Kasur Sheikhupura and Nankana Sahib
Gujranwala Zone includes Gujranwala Gujrat Sialkot Hafizabad and Mandi Bahauddin
Faisalabad Zone includes Faisalabad Jhang Chiniot and Toba Tek Singh
Bahawalpur Zone includes Bahawalpur Bahawalnagar and Rahim Yar Khan
Sahiwal Zone includes Sahiwal Okara and Pakpattan
Eligibility Requirements
To apply for this scheme you must meet some rules
You must be a permanent resident of Punjab
Your CNIC must be valid and from Punjab
You or your family member must own land
The land must be in Punjab and used for building a house
Urban land should be up to 5 Marla
Rural land should be up to 10 Marla
You must not be a criminal or involved in illegal activity
You must not owe loans to any bank
You must not have taken a loan in Phase 1
Your monthly income should be below 50000 rupees
Required Documents
You must upload these documents during registration
CNIC of applicant
Proof of land ownership
Income certificate
Passport size photo
Active mobile number and email
Affidavit that you do not own another house
Death certificate if applicant is a widow
Disability certificate if applicant is disabled
Registration Steps on ACAG Portal
Follow these steps to apply online for the 1.5 million rupee loan
Go to acag.punjab.gov.pk
Click on the apply register button
Type your name and CNIC number
Choose relation type son of daughter of wife of
Enter father’s or husband’s name and CNIC
Choose your gender
Enter your email and mobile number
Choose your division district and tehsil
Write your full house address
Create and confirm your password
Click the register button to finish
No Land? Apply for Free 3 Marla Plot
If you do not own land you can still apply
Punjab Government gives a 3 marla plot for free
This is part of the Apni Zameen Apna Ghar Scheme
It helps landless families build their homes
You must follow the official process
You must meet the eligibility criteria
Apply through the government portal
This scheme helps reduce homelessness
Main Benefits of the Scheme
Here are the main benefits of the scheme
Interest free loan of up to 15 lakh rupees
Easy monthly payments to repay the loan
Scheme is transparent and honest
Helps the local economy by creating jobs
Gives women priority for house ownership
Helps widows orphans and disabled persons
Gives permanent homes to poor families
If you are living in a rented house and have low income
You must apply for this scheme
It can change your life
Conclusion
The Apni Chhat Apna Ghar Scheme Phase 2 is a big chance for poor families in Punjab. You can get a free loan without interest. You can build your own home. If you do not have land you can apply for a free 3 marla plot. The scheme helps everyone. It supports women widows and disabled people. The online registration is very easy. Go to the official ACAG portal and apply today. This is the right time to make your dream house.
FAQs
Who can apply for this scheme
People who live in Punjab and earn less than 50000 rupees can apply
How much loan can I get
You can get a loan of up to 15 lakh rupees without interest
Where can I apply
You can apply online at acag.punjab.gov.pk
What if I do not have land
You can apply for a free 3 marla plot under Apni Zameen Apna Ghar Scheme