Apni Chhat Apna Ghar Program: Your Own Home – Apply Online

The Apni Chhat Apna Ghar Program is a special project started by Chief Minister Maryam Nawaz Sharif to help people in Punjab have their own houses. This program focuses on giving 100,000 affordable houses to people who cannot afford expensive homes. It is a major step to solve housing problems, especially for families living in rented houses or slum areas.

The government plans to complete this big project in four and a half years. They have set up three different ways (models) to build these houses, so the program moves fast and smoothly. This project is being carried out by the Punjab Housing and Town Planning Agency (PHATA), and it is managed by the Housing, Urban Development, and Public Health Engineering Department (HUD&PHED).

The goal is not just to build houses, but also to create better living environments. People who get these houses will enjoy basic facilities like clean drinking water, proper toilets, electricity, and safe surroundings. This program brings hope to thousands of low-income families who have long dreamed of owning a house.

Building these 100,000 houses will also create about 500,000 jobs, both directly and indirectly. It will help masons, laborers, electricians, plumbers, and many others find work. Thus, it will also boost Punjab’s economy.

In short, Apni Chhat Apna Ghar is not just about building homes; it is about building dreams, creating jobs, and making life better for thousands of families in Punjab.

Eligibility Criteria: Who Can Apply?

If you want to apply for a house through this program, you must meet some simple eligibility rules. These rules make sure that the right people, who really need a house, get the help. Let’s look at them carefully:

1. Family Head: The applicant must be the head of their family according to NADRA’s official records. A family head means the main person who is responsible for their family.

2. Permanent Resident of Punjab: You must be living permanently in Punjab. Your CNIC (ID card) must also show that you belong to Punjab.

3. Own a Small Piece of Land:

   • In cities (urban areas), you can own land up to 5 Marla.

   • In villages (rural areas), you can own land up to 10 Marla.

   • You must already own this land at the time of applying, and you plan to build your house there.

4. No Criminal Record: Applicants must have a clean criminal history. If you have been involved in serious crimes or anti-state activities, you cannot apply.

5. No Loan Defaults: If you owe money to any bank or financial institution and haven’t paid it back, you will not be eligible.

6. Low-Income Household: Your household must be registered in the National Socio-Economic Registry (NSER) and have a Poverty Measurement Tool (PMT) score of 60 or less. This score ensures that people who truly need help are selected.

If you meet all these conditions, you are ready to apply and take your first step towards owning your own home!

Also Read: Prime Minister Youth Loan Scheme Program Form Apply

How the Program Works: Step-by-Step Process

Applying for the Apni Chhat Apna Ghar Program is very simple. The government has made the process easy so that even a common man can apply without needing any agents or middlemen. Here’s how it works:

1. Visit the Official Website

Go to the official website:

acag.punjab.gov.pk

This is the only official place where you can get accurate information and apply.

2. Fill Out the Citizen Registration Form

You will find the Citizen Registration Form on the website. Fill it out carefully with correct information like:

• Your full name

• CNIC number

• Mobile number

• Address

• Details of the land you own

Make sure you fill in everything properly.

3. Upload Your Documents

You will need to upload some important documents such as:

• CNIC copy

• Land ownership proof

• NSER registration proof (if available)

4. Submit the Application

After filling in all the details and uploading documents, submit your application online.

5. Verification Process

The authorities will check your documents and verify your details. If everything is correct, your application will move to the next step.

6. Loan and House Allotment

If selected, you will be given access to a loan for building your house. You can build houses between one to five Marla in cities and one to ten Marla in villages.

You don’t even need to visit offices again and again. Everything is handled online or through official calls and messages.

Simple, right? You can apply from your home without wasting time or money!

Also Read: Nawaz Sharif Kisan Card Project 2025 Registration Process

Progress So Far: A Program of Trust and Success

The Apni Chhat Apna Ghar Program is not just a promise; it’s a reality now. In a very short time, the program has achieved great success:

• 1,806 houses have been completed in record time.

• 22,600 houses are at their final stage of construction.

• 25,500 families have received loans worth more than Rs. 27 billion 43 crore.

• 12,000 families have already received their second loan installment to continue house construction.

• Approval has been given for 2,000 additional loans.

The transparency of this program is also visible. Loan recoveries of Rs. 9 crore 24 lakh have been made, which proves that the system is working fairly.

This shows that the government is not just making promises but is seriously delivering on them. Every day, new houses are being built, bringing smiles to families across Punjab.

Chief Minister Maryam Nawaz herself has said that seeing new homes being built fills her with joy and motivation to speed up the work even more. She believes that fulfilling this promise is a blessing and duty towards the people of Punjab.

Message from the Chief Minister

Chief Minister Maryam Nawaz Sharif has a clear and heartfelt message:

“Under the vision of Quaid Muhammad Nawaz Sharif, ‘Apni Chhat, Apna Ghar’ Program is progressing successfully. Every new house brings happiness that cannot be explained in words. Unlike the past, where fake promises were made, we are delivering real results. Allah has given me the chance to make people’s dreams of homeownership come true.”

These words are not just statements; they are a commitment. Maryam Nawaz and her team are working day and night to make sure that 100,000 families will soon have their own roofs over their heads.

This is not just a housing scheme; it’s a movement to change lives and uplift communities.

Note: Please note that all the information provided in this post is obtained from official sources and other reliable resources. It is advised not to share your ID card number or mobile phone number here. Thank you for your understanding. We are solely focused on sharing information on ehsaas-porgrams.pk.