The Government of Punjab has officially launched Punjab Apni Chhat Apna Ghar Scheme Phase 2, giving citizens a loan of up to Rs. 15 lakh without any interest. This program is a lifeline for families living in rented homes, shared spaces, or incomplete houses. With simple eligibility rules and easy repayments, it’s designed to make the dream of a personal home possible for thousands.This article explained all details.
Table of Contents
Purpose of the Apni Chhat Apna Ghar Scheme Phase 2
Many people in Punjab have land but not the money to build a house. Others live in rented or temporary homes and can’t save enough because of daily expenses. This scheme solves that problem by providing an interest-free loan that can be repaid over 10 years. The government’s main aim is to support struggling families, especially widows, orphans, labourers, and disabled individuals.
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Eligibility Criteria for the ACAG Scheme
| 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 | Must have land in applicant’s name |
| Incomplete Construction | Proof required if house is under construction |
| Priority Cases | Widows, orphans, disabled, labour class |
| Documents | CNIC, mobile number, proof of income, land papers |
ACAG Loan Details and Repayment
| Loan Feature | Details |
| Maximum Loan Amount | Rs. 1,500,000 |
| Interest | 0% (Fully Interest-Free) |
| Repayment Period | Up to 10 years |
| Monthly Installment | Around Rs. 12,500 |
| Disbursement | In 3 phases, linked to construction progress |
| Guarantee | Fully backed by Government of Punjab |
How to Apply for the Apni Chhat Apna Ghar Scheme
- Visit the official website acag.punjab.gov.pk
- Click on Apply Now
- Fill in your personal details – Name, CNIC, Mobile Number
- Enter your income, address, district, and land details
- Tick the declaration box to confirm the information is correct
- Submit the application
- You will get an SMS confirmation
- Track your application later using your CNIC
For people without internet access, PHATA offices in every district will help fill and submit the form free of cost.
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Apni Chhat Apna Ghar Scheme Loan Disbursement Process
- Phase 1: 40% of loan after verification of land and approval
- Phase 2: 30% after building the basic structure
- Phase 3: Final 30% after roof completion and finishing
Local teams will check progress before releasing each installment to ensure proper use of funds.
Documents Needed for Apni Chhat Apna Ghar Scheme
- CNIC (Original + Copy)
- Proof of Monthly Income
- Land Registry in Applicant’s Name
- Utility Bill (Gas or Electricity)
- Family Registration Certificate from NADRA
- 2 Passport-Size Photos
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Why Apni Chhat Apna Ghar Scheme Should Apply
- Completely interest-free loan
- Long repayment time with low installments
- Boosts home ownership for low-income families
- Creates jobs in the construction sector
- Transparent process with digital tracking
- Special focus on women-headed families
ACAG Loan Approval Timeline
Most applications are processed in 30–60 days after verification by NADRA, land records, and on-site inspection. You will be notified via SMS or call from PHATA.
Final Words
The Apni Chhat Apna Ghar Scheme Phase 2 is more than just a loan it’s a chance for poor and working-class families to live with dignity under their own roof. With no interest, a long repayment plan, and fair eligibility rules, it is one of the most beneficial housing programs in Punjab’s history. If you qualify, don’t delay—apply now 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 100% interest-free Loan Apni Chhat apni zameen?
Yes, no markup or hidden charges.
Q3: How much can I get?
Up to Rs. 1,500,000 in three installments.
Q4: How to apply Apni Chhat Apna Ghar Scheme Phase 2 ?
Online via acag.punjab.gov.pk or through PHATA offices.