If you’re dreaming of owning a home in Punjab, here’s some fantastic news: the second phase of the Apni Chat Apna Ghar (ACAG) program has officially kicked off in April 2025. This initiative, spearheaded by Chief Minister Maryam Nawaz Sharif, aims to provide affordable housing solutions to low-income families across the province. With a target of constructing 100,000 homes over the next four and a half years, the program is set to make a significant impact on Punjab’s housing landscape.
Table of Contents
🏠 What Is the ACAG Program All About?
The Apni Chat Apna Ghar program is a government-backed housing scheme designed to assist families earning less than Rs. 60,000 per month. It offers interest-free loans and affordable housing options to eligible residents of Punjab, aiming to uplift living standards and provide secure shelter to those in need.
Read More: 8171 Web Portal Not Working
📅 Key Details of ACAG Phase 2 (April 2025)
| Feature | Details |
| Launch Date | April 2025 |
| Total Houses Planned | 100,000 |
| Loan Amount | Up to Rs. 2 million (subject to approval) |
| Repayment Period | 7 years |
| Monthly Installment | Approximately Rs. 14,000 |
| Application Deadline | May 31, 2025 |
| Application Methods | Online via acag.punjab.gov.pk or offline at DC offices |
| Helpline | 0800-09100 |
✅ Who Can Apply Apni Chat Apna Ghar Scheme?
To be eligible for the ACAG program, applicants must meet the following criteria:
- Head of Family: Recognized as the primary family member according to NADRA records.
- Punjab Residency: Permanent resident of Punjab, as indicated on the CNIC.
- Land Ownership: Own a plot measuring up to 5 marlas in urban areas or up to 10 marlas in rural areas within Punjab.
- Clean Legal Record: No criminal history, especially related to anti-state or anti-social activities.
- Financial Standing: Not a defaulter of any bank or financial institution.
- NSER Registration: Registered with the National Socio-Economic Registry (NSER) with a Poverty Measurement Tool (PMT) score of 60 or less.
Read More: New ATM Facility for BISP
📝 How to Apply for Apni Chat Apna Ghar Scheme Phase 2
Apni Chat Apna Ghar Punjab Portal
- Visit the Official Portal: Go to acag.punjab.gov.pk.
- Register: Click on the “Register” option and fill out the registration form with accurate personal details.
- Login: After registration, log in using your CNIC and password.
- Complete Application: Fill in the application form, providing details about your property, income, and family.
- Upload Documents: Submit scanned copies of necessary documents, including ownership proof and CNIC.
- Submit: Review all information and submit your application.
Offline Application
For those unable to apply online, offline applications can be submitted at the ACAG registration desks located in the Deputy Commissioner offices of each district. Ensure you bring all required documents for verification.
Read More: Asaan Karobar Finance Phase 2
🏗️ Execution Models of the ACAG Program
The ACAG program operates through three distinct models:
- Model 1: Utilizes state land through equity-based sharing between developers and the Punjab Housing and Town Planning Agency (PHATA) to construct 10,000 units.
- Model 2: Focuses on developing 20,000 low-cost housing units in private schemes approved under the Affordable Private Housing Scheme (APHS) Rules 2020.
- Model 3: Offers 70,000 interest-free loans for house construction through a revolving fund, targeting residents who already own land.
🌍Apni Chat Apna Ghar Scheme District-Wise Distribution
The ACAG program covers all 36 districts of Punjab, with housing unit quotas allocated based on population and housing needs. This ensures equitable distribution and addresses the specific requirements of each district.
💡 Benefits of the ACAG Program
- Affordable Housing: Provides low-income families with access to affordable housing options.
- Interest-Free Loans: Offers financial assistance without the burden of interest, making homeownership more accessible.
- Economic Growth: Stimulates the local economy by generating employment opportunities in the construction sector.
- Improved Living Standards: Enhances the quality of life by providing better living conditions and essential amenities.
- Social Upliftment: Promotes social stability and community development by reducing overcrowding and informal settlements.
Read More: Benazir Kafalat Rs. 13500 Phase 2 Payment
📞 Need Assistance?
For any queries or assistance regarding the ACAG program, you can contact the helpline at 0800-09100 or visit your local Deputy Commissioner office.
🏁 Conclusion
The Apni Chat Apna Ghar program is a transformative initiative aimed at addressing the housing needs of Punjab’s low-income population. With the launch of Phase 2 in April 2025, eligible residents have a renewed opportunity to secure affordable housing and improve their living standards. Don’t miss out on this chance to own your dream home—apply now before the deadline on May 31, 2025.
❓ FAQs
What is the last date to apply for ACAG Phase 2?
The last date to apply is May 31, 2025. Make sure to complete your registration before the deadline.
Can I apply if I don’t own land in Punjab?
Unfortunately, no. You must own land (5 marlas urban or 10 marlas rural) in Punjab to qualify for the scheme.
Is there any fee to register online at acag.punjab.gov.pk?
No, online registration is completely free. Be cautious of agents or fake websites asking for payment.
Who is considered eligible under the PMT Score?
Anyone with a Poverty Measurement Tool (PMT) score of 60 or below is eligible. This ensures the scheme benefits low-income families.
What is the loan repayment plan?
The loan can be repaid over 7 years in easy installments of around Rs. 14,000 per month (subject to loan amount and eligibility).