The Apni Chhat Apna Ghar scheme is the Punjab government’s programme that gives an interest-free loan of up to Rs 15 lakh to build a house on your own plot, repayable over about 9 years at no more than Rs 14,000 a month. The Invest Pakistan helps applicants check eligibility, gather documents and fill the official application correctly to avoid rejection.
Last updated: 12 November 2026 by Ahmed, The Invest Pakistan.
Want to apply for Apni Chhat Apna Ghar? Message us on WhatsApp (+92 327 5025285) or use our contact page.
Apni Chhat Apna Ghar Scheme at a Glance
| Feature | Detail |
|---|---|
| Loan | Up to Rs 15,00,000, interest-free, no service charges |
| Repayment | About 9 years; no instalment for the first 3 months |
| Monthly instalment | Maximum Rs 14,000 |
| Plot size | 1 to 5 marla in cities; 1 to 10 marla in rural areas |
| Where | Punjab |
| Official portal and helpline | acag.punjab.gov.pk, 0800-09100 |
By November 2026 more than 17 lakh people had registered, over 2,25,000 loans had been disbursed and the Chief Minister approved inviting fresh applications, according to The Express Tribune.
Who Is Eligible for Apni Chhat Apna Ghar?
- Residents of Punjab who own a plot within the size limit, or have started building on it.
- Applicants who do not already own a house.
- Applicants with no loan default and a clean record.
- One application per family.
How to Apply for the CM Punjab House Loan Scheme Online (Step by Step)
The CM Punjab house loan scheme (Apni Chhat Apna Ghar) is applied for only on the official Punjab government portal, acag.punjab.gov.pk, built by PITB. Applying is free. Follow these steps:
- Open the official portal acag.punjab.gov.pk on your phone or computer. Check the address carefully; ignore look-alike websites and WhatsApp links.
- Register an account with your name, your CNIC, your father’s or husband’s CNIC, gender, an active mobile number registered in your name, email (optional) and a password. Note the password safely.
- Fill the eligibility (certificate) form. You confirm that you are a Punjab resident, that you own the plot, that you do not already own a house and that you are not a loan defaulter.
- Fill the loan application form with your family details, monthly income, plot address, plot size (marla) and district.
- Upload documents (see list below) as clear photos or scans.
- Review and submit. Note your application or tracking number shown after submission.
- Verification: the government checks NADRA, credit history (eCIB) and plot ownership, and staff may visit the plot. Keep your phone on.
- Approval and loan release: if approved, the loan is released in stages as construction progresses, and repayment starts after the grace period.
Documents You Need
- Valid CNIC (Punjab address) of the applicant, and spouse/father CNIC details.
- Plot ownership proof in the applicant’s name: registry, intiqal/fard or allotment letter.
- Mobile number registered on the applicant’s own CNIC.
- Income details (salary slip, or a simple statement of income for self-employed/daily-wage applicants).
- Recent photograph and, where asked, a picture of the plot.
How to Check Apni Chhat Apna Ghar Application Status
- Go to acag.punjab.gov.pk and log in with your CNIC and password.
- Open your dashboard / application section to see the current stage (submitted, under verification, approved or rejected).
- If the status does not change for a long time, call the official helpline 0800-09100 (toll-free) with your CNIC ready.
Note: the Punjab government’s programme page also lists NSER registration (PMT score 60 or below) and a plot of up to 5 marla (urban) or 10 marla (rural) for some parts of the programme. Rules can change between phases, so read the eligibility shown on the portal on the day you apply.
How The Invest Pakistan Helps
- Check your eligibility and plot documents before you apply.
- Fill the online application on the official portal with you, step by step.
- Explain the instalment plan and how the loan is released in stages.
- Help you track your application and respond to verification.
- Warn you about fake websites and agents asking for money in the government’s name.
Common Mistakes
- Applying on fake websites instead of the official Punjab portal.
- Plot ownership papers not in the applicant’s name.
- Wrong plot size or address details that fail verification.
- Paying “fees” to agents who promise approval: the government charges no fee.
Why Choose The Invest Pakistan for the Apni Chhat Apna Ghar Scheme?
When you come to The Invest Pakistan for the Apni Chhat Apna Ghar scheme, you deal with one team that explains every step in plain English or Urdu, checks your documents before anything is submitted, and tells you upfront which costs are official fees and which are our service charge. There are no hidden charges and no promises we cannot keep.
- Experience: The Invest Pakistan publishes detailed, regularly updated guides on tax, banking, investing and government schemes in Pakistan.
- Accuracy: we follow the official rules from FBR, SBP, SECP and the relevant departments, and update our process when they change.
- Privacy: your CNIC, passwords and documents are used only for your case and never shared.
- Support after the work is done: questions after submission are answered on WhatsApp.
How to Get Started With Apni Chhat Apna Ghar Scheme
Send us a WhatsApp message with your name, city and a line about what you need. We reply with the documents list for your the Apni Chhat Apna Ghar scheme case, the steps, the time it usually takes and our fee for the work. Once you agree, we start right away.
Related guides: Read our guides on house loans in Pakistan.
Frequently Asked Questions
What is the Apni Chhat Apna Ghar loan amount?
Up to Rs 15 lakh, interest-free, repayable over about 9 years.
What is the monthly instalment?
A maximum of Rs 14,000 a month, with no instalment in the first 3 months.
Who can apply for Apni Chhat Apna Ghar?
Punjab residents who own a plot of 1 to 5 marla in cities or up to 10 marla in rural areas and do not already own a house.
Are new applications open?
In November 2026 the Punjab Chief Minister approved inviting fresh applications. Always apply only on the official portal.
Does The Invest Pakistan approve loans?
No. Loans are approved by the Punjab government. We are an independent consultancy that helps you apply correctly.
How do I apply for the CM Punjab house loan scheme online?
Register on acag.punjab.gov.pk with your CNIC and mobile number, fill the eligibility form and the loan application, upload plot ownership papers and submit. Applying is free.
How can I check my Apni Chhat Apna Ghar application status?
Log in to acag.punjab.gov.pk with your CNIC and password and open your application, or call the helpline 0800-09100.
Apni Chhat Apna Ghar ke liye apply kaise karein?
acag.punjab.gov.pk par CNIC aur apne naam par registered mobile number se account banayein, eligibility form aur loan form bharein, plot ke kaghzat upload karein aur submit kar dein. Koi fees nahi hai.
Apni Chhat Apna Ghar ka status kaise check karein?
Portal par CNIC aur password se login karein aur application ka stage dekhein. Masla ho to helpline 0800-09100 par call karein.
Kya plot ke baghair Apni Chhat Apna Ghar loan mil sakta hai?
Is loan ke liye plot applicant ke apne naam par hona zaroori hai (shehar mein 5 marla, gaon mein 10 marla tak). Plot na ho to Punjab ki Apni Zameen Apna Ghar jaisi alag schemes dekhein.
Apni Chhat Apna Ghar ke liye kaun se documents chahiye?
CNIC, plot ki registry/fard ya allotment letter, apne naam ka mobile number, income ki tafseel aur tasveer.
The Invest Pakistan is an independent consultancy. We are not part of, or affiliated with, any government department, bank, broker or scheme, and we cannot guarantee approval of any application. Apni Chhat Apna Ghar is a Government of Punjab programme; the government charges no application fee. Official fees, if any, are paid directly to the government body or institution concerned.
Related Guides and Services
Sources
- Dawn: Punjab launches Apni Chhat, Apna Ghar scheme
- The Express Tribune: Fresh housing loan applications to be invited (4 Nov 2026)
- Business Recorder: Punjab doubles ACAG housing loan target
Talk to The Invest Pakistan about the Apni Chhat Apna Ghar scheme today. Message us on WhatsApp (+92 327 5025285) or use our contact page.