Apna Ghar Apni Chat Scheme Register Online 2025

Apna Ghar Apni Chat Scheme is a hopeful step for people in Punjab who dream of owning their own home but cannot afford high construction costs. This government housing scheme, launched under the leadership of Maryam Nawaz, offers interest-free home loans with easy monthly installments, making home ownership possible for low-income and middle-class families. 

Through online registration 2025, eligible citizens can apply from the comfort of their homes without facing long procedures. The scheme focuses on providing affordable housing, secure shelter, and a better future for deserving families across Punjab. If you own a small plot and meet the eligibility criteria, this program can help you turn your dream of a permanent residence into reality.

Details for the Apna Ghar Apni Chat Scheme

The Apna Ghar Apni Chat Scheme is a government housing project launched by Chief Minister Punjab Maryam Nawaz Sharif to help low-income and middle-class families own their own homes.

• Project Name: Apna Ghar Apni Chat Scheme
• Launched By: Chief Minister Punjab, Maryam Nawaz Sharif
• Objective: To provide affordable housing for low-income and deserving families
• Goal: Interest-free loans for the construction of 100,000 houses
• Monthly Installment: PKR 26,000
• Government Subsidy: 60% of the total cost covered by the Punjab Government
• Down Payment: 40% paid by the beneficiary
• Installment Period: Up to 5 years

Expected Outcomes Of CM Punjab House Loan Scheme

The CM Punjab House Loan Scheme aims to improve the living standards of low-income and middle-class families by helping them own a safe and secure home. Through interest-free housing loans, families can move away from rented spaces and enjoy permanent residence with access to basic facilities such as clean water, electricity, gas, and proper sanitation. This initiative reduces the stress of monthly rent and offers long-term financial stability.

Another important outcome of this scheme is economic and social improvement. The construction of 100,000 houses will create job opportunities for laborers and skilled workers, boosting local employment. At the same time, the project will help reduce overcrowding, promote healthier living conditions, and build stronger, more stable communities across Punjab.

سی ایم پنجاب ہاؤس لون اسکیم کا مقصد کم آمدنی اور متوسط طبقے کے خاندانوں کے معیارِ زندگی کو بہتر بنانا ہے۔ اس اسکیم کے تحت بلاسود ہاؤسنگ لون فراہم کیے جاتے ہیں تاکہ لوگ کرائے کے گھروں سے نکل کر اپنے ذاتی اور محفوظ گھر میں رہ سکیں۔ اس اقدام سے مستحق خاندانوں کو صاف پانی، بجلی، گیس اور صفائی جیسی بنیادی سہولیات تک رسائی حاصل ہوگی اور ماہانہ کرایے کا مالی دباؤ بھی کم ہوگا۔

اس اسکیم کا ایک اور اہم فائدہ معاشی اور سماجی ترقی ہے۔ ایک لاکھ گھروں کی تعمیر سے مزدوروں اور ہنرمند افراد کے لیے روزگار کے نئے مواقع پیدا ہوں گے۔ اس کے ساتھ ساتھ، یہ منصوبہ گنجان آبادی کے مسئلے کو کم کرنے، صحت مند رہائشی ماحول فراہم کرنے اور پنجاب بھر میں مضبوط اور محفوظ کمیونٹیز قائم کرنے میں مدد دے گا۔

Project’s Vision

The vision of the Apna Ghar Apni Chat Scheme is to help low-income families secure a safe and dignified home. Under this initiative, Chief Minister Maryam Nawaz has ensured affordable monthly installments of PKR 14,000, making home construction possible even for financially struggling households. The project also focuses on long-lasting and practical house designs that meet modern living needs. To build trust and transparency, the government directed that sample home designs be prepared within six weeks, allowing beneficiaries to preview their future homes and feel confident about the quality and sustainability of the project.

اپنی چھت اپنا گھر اسکیم کا مقصد کم آمدنی والے خاندانوں کو محفوظ اور باعزت گھر فراہم کرنا ہے۔ اس اقدام کے تحت وزیر اعلیٰ مریم نواز نے ماہانہ 14,000 روپے کی آسان اقساط کو یقینی بنایا ہے تاکہ مالی مشکلات رکھنے والے خاندان بھی اپنا گھر بنا سکیں۔ اس کے علاوہ، منصوبے میں ایسے گھر ڈیزائن کیے گئے ہیں جو طویل عرصے تک کارآمد اور آرام دہ رہیں۔ شفافیت اور اعتماد بڑھانے کے لیے حکومت نے ہدایت دی ہے کہ چھ ہفتوں کے اندر نمونہ گھر تیار کیے جائیں، تاکہ مستحق خاندان اپنے مستقبل کے گھر کا جائزہ لے سکیں اور منصوبے کے معیار اور پائیداری پر یقین رکھ سکیں۔

A Message from Chief Minister Punjab

وزیر اعلیٰ پنجاب کا پیغام\ اپنی چھت اپنا گھر پروگرام میرے دل کے بہت قریب ہے اور اس میں آپ کا خیرمقدم کرتے ہوئے مجھے بہت خوشی اور اطمینان محسوس ہوتا ہے۔ ہمارا مقصد پنجاب کے ہر خاندان کے لیے سستے اور معیاری گھر فراہم کرنا ہے، جو سادہ لیکن بے حد شاندار ہیں۔ گھر کا مالک ہونا صرف دیواریں اور چھت تک محدود نہیں بلکہ یہ سلامتی، عزت، روشن مستقبل اور خوابوں کی تکمیل کا مترادف ہے۔ چاہے آپ مزدور ہوں، استاد ہوں یا کسی چھوٹے کاروبار کے مالک، یہ پروگرام ہر شہری کی ضروریات کو مدنظر رکھتے ہوئے بنایا گیا ہے۔ ہمیں یقین ہے کہ ہر فرد ایک محفوظ اور آرام دہ گھر کا حق دار ہے۔

ڈویلپرز، مالیاتی اداروں اور ہماری محنتی ٹیم کے تعاون سے ہم پنجاب کے ہر شہری کے لیے گھر کی ملکیت کو یقینی بنانے کے لیے پرعزم ہیں۔ چاہے یہ ماڈلز بڑے شہروں میں سرکاری زمین پر گھر فراہم کرنے کے لیے ہوں، یا نجی ہاؤسنگ سکیموں میں سستے مکانات کے لیے سبسڈی فراہم کرنے کے لیے، یا شہری علاقوں میں 5 مرلہ اور دیہات میں 10 مرلہ پلاٹ مالکان کو بلاسود قرض دینے کے لیے، یہ سب ہمارے کم آمدنی والے خاندانوں کی ترقی کی عکاسی کرتے ہیں۔ اس تبدیلی کے سفر میں ہمارا ساتھ دیں تاکہ ہم صرف گھر ہی نہیں بلکہ ایک ایسا معاشرہ قائم کریں جہاں خواب حقیقت کا روپ دھارتے ہوں۔

آپ کی خیراندیش\ مریم نواز شریف

The Apna Ghar Apni Chat Program is very close to my heart, and it gives me immense joy and satisfaction to welcome you to this initiative. The goal is simple yet remarkable: to provide affordable and quality homes to families across Punjab. Owning a home is not just about walls and a roof; it represents security, dignity, a bright future, and the fulfillment of dreams. Whether you are a laborer, teacher, or small business owner, this program is designed keeping every citizen in mind. We believe that every individual deserves a safe and comfortable home.

Through the combined efforts of developers, financial institutions, and our dedicated team, we are committed to making home ownership accessible for all citizens of Punjab. Whether it is providing houses on government land in big cities, offering subsidies in private housing schemes, or giving interest-free loans to urban 5 Marla and rural 10 Marla landowners, these models reflect our commitment to uplift low-income families. Join us in this journey of change so that together we create not just homes, but a society where dreams become reality.

Sincerely,
Maryam Nawaz Sharif

District Based Quota of Loans

Sr. No.	Zone	PHATA Region	Districts	Loan Distribution	PHATA Region wise Units	Packaging
1	Center	Bhakar	Bhakar	283	1913	4423
2			Khushab	243
3			Layyah	366
4			Mianwali	307
5			Muzaffargarh	714
6	Faisalabad	Chiniot	Chiniot	313	2511
7			Faisalabad	851
8			Jhang	451
9			Sargodha	520
10			Toba Tek Singh	376
11	North	Lahore	Gujranwala	657	5804	8003
12			Hafizabad	302
13			Kasur	484
14			Lahore	1690
15			Nankana	314
16			Narowal	357
17			Okara	518
18			Pakpattan	401
19			Sheikhupura	512
20			Sialkot	570
21	Rawalpindi	Attock	Attock	287	2198
22			Chakwal	263
23			Gujrat	466
24			Jhelum	225
25			Mandi Bahauddin	358
26			Rawalpindi	600
27	South	Bahawalpur	Bahawalnagar	454	1684	5074
28			Bahawalpur	517
29			Rahim Yar Khan	714
30	Multan	DG Khan	DG Khan	498	3390
31			Khanewal	458
32			Lodhran	380
33			Multan	726
34			Rajanpur	368
35			Sahiwal	443
36			Vehari	517
Total					17500	17500

Execution Models

Under this model, the project team focuses on supporting large-scale housing construction through equity-based arrangements and state land sharing between PHATA and private developers. The goal is to ensure smooth collaboration, efficient use of land resources, and timely development of affordable housing units for deserving families.

PHATA will be responsible for providing the basic infrastructure and construction framework to the developers. All developers must strictly follow the approved designs issued by PHATA, and no changes in layout or infrastructure are allowed without prior permission. PHATA will also supply construction materials to ensure high-quality development within the approved budget.

For projects built on state-owned land, the government will not offer any separate subsidy for infrastructure development. The installment amount will be finalized by the government based on the size and design of each housing unit. Additionally, PHATA will manage the trunk infrastructure through block-wise allocation, with approval from the Punjab Government.

In this execution model, the government focuses on supporting low-income and middle-class families by making the housing process easier and more transparent. Private housing schemes operating under the APHS Rules 2020 will issue construction approvals to developers, ensuring compliance with official regulations.

To speed up the process, the government will introduce a one-window approval system, allowing developers to receive permissions without delays or visiting multiple offices. PHATA will define the house size, design, installment amount, and repayment period, while all financial transactions will be handled through a secure Escrow account. 

Developers will receive payments in stages after completing approved milestones, and once the allottee completes the five-year loan period, the house will be formally transferred to their ownership. PHATA will continuously monitor construction to maintain high-quality standards.

In addition, eligible citizens will receive interest-free housing loans with government subsidy. Applicants who own 1 to 5 marla plots in urban areas or 1 to 10 marla plots in rural areas can apply through the official ACAG website. The loan tenure ranges from 5 to 7 years, and monthly installments are set according to the selected repayment period. All operational costs and taxes will be fully covered by the government, reducing the financial burden on beneficiaries.

Initial Verification Process

PHATA is in charge of the verification process, which begins once the registration period is completed. To ensure only deserving applicants are selected, verification is carried out through multiple official checks, including:

• Confirming family status using data from NADRA
• Reviewing the PMT score, which must be below 60 to qualify
• Verifying land ownership through relevant authorities such as PLRA, the Cooperatives Department, and other development agencies

Benefits Of Apni Chat Apna Ghar Scheme

Many people wish to build their own home and are willing to take a loan, but high interest rates often stop them from moving forward. The Apna Ghar Apni Chat Scheme removes this barrier by offering completely interest-free housing loans along with multiple financial benefits. Under this scheme, the Punjab Government covers 60% of the total loan amount, while the beneficiary is only required to pay the remaining 40% as a down payment, making home construction affordable and stress-free for deserving families.

If you qualify for the loan, you will get relief for the first three months, during which no installment is required. Once the installment period begins, the monthly payment is only PKR 14,000, making it highly affordable for low-income and middle-class families. With such a small monthly amount, you can build your own beautiful home instead of paying rent. In fact, this installment is even lower than the monthly cost of owning a car, making home ownership easier and more realistic than ever before.

For homeless and low-income families, the Apna Ghar Apni Chat Program is a true blessing. Many people already own a piece of land but are unable to build a house due to limited financial resources. Recognizing this challenge, the government stepped forward to support such families. Through this scheme, eligible citizens are given a valuable opportunity to build and own a safe, permanent home, turning their long-held dream into reality.

The Punjab government introduced this program specifically to support the middle class by easing the financial burden of homeownership. Under this scheme, beneficiaries are required to contribute only 40% of the total cost, which is payable through easy and affordable installments over a period of five years. The remaining 60% is fully covered by the government, making it possible for families to own a home without facing overwhelming financial pressure.

Eligible Cities for Apna Ghar Apni Chat Scheme

Although the scheme launched in Punjab, still, only residents of following cities can apply and get benefits of Apna Ghar Apni Chat project:

• Rawalpindi
• Lahore
• Multan
• Sargodha
• Faisalabad
• Sialkot
• Attock
• Bahawalnagar
• Bahawalpur
• Bhakkar
• Chakwal
• Chiniot
• Dera Ghazi Khan
• Gujranwala
• Gujrat
• Hafizabad
• Jhang
• Jhelum
• Kasur
• Khanewal
• Khushab
• Layyah
• Lodhran
• Mandi Bahauddin
• Mianwali
• Muzaffargarh
• Nankana Sahib
• Narowal
• Okara
• Pakpattan
• Rahim Yar Khan
• Rajanpur
• Rawalpindi
• Sahiwal
• Sargodha
• Sheikhupura
• Sialkot
• Toba Tek Singh
• Vehari

Eligibility Criteria

Anyone interested can apply for the Apna Ghar Apni Chat Scheme, but meeting the eligibility criteria increases the chances of loan approval. The requirements for this housing program are:

• The applicant must be the head of the family.
• Must be a permanent resident of Punjab, as per NADRA records.
• Must own land measuring 1 to 5 Marla in urban areas or 1 to 10 Marla in rural areas.
• Should have no criminal record or FIR registered.
• Must not be a financial defaulter.
• Must be registered in the National Socio-Economic Registry (NSER).
• The PMT score must be less than 60% to qualify for the scheme.

These criteria ensure that the benefits reach the most deserving families.

Installment Plan

For families who cannot afford to build a home due to limited financial resources, the Apna Ghar Apni Chat Scheme offers an easy and manageable installment plan. Eligible beneficiaries are only required to pay 40% as a down payment, which can be completed over a period of five years, making it very convenient for low-income households.

The Chief Minister emphasized that the installment amount and schedule are designed to be highly affordable for the middle class. This approach ensures that families still have enough funds for daily expenses and medical emergencies. 

The monthly installment is set at a level comparable to the rent of a small house in rural areas, and payments begin only after three months, providing additional financial relief to the beneficiaries.

How to Apply for Apna Ghar Apni Chat Scheme?

To apply for the Apna Ghar Apni Chat Scheme, you need to provide the following information and documents:

• Full name as registered with NADRA
• CNIC number of the applicant
• CNIC number of the head of the family (husband or father)
• Contact details, including phone number and email
• Gender
• Complete address, including division, district, and city
• Property ownership documents proving land ownership
• User password: If it’s your first time on the portal, create a password; if you already have an account, provide your existing password for verification

Providing accurate details ensures a smooth registration and increases the chances of being approved for the scheme.

If you want to apply from the comfort of your home, the Punjab government has made the process simple through its official website. Follow these steps for online registration:

1. Open the official scheme website: https://acag.punjab.gov.pk/
2. Click on the registration button located at the top-right corner of the page.
3. The online registration form will open. Fill in all the required information carefully. Ensure that all details are authentic, or your application may be disqualified.
4. After filling the form, click the register button to complete your application.

You can apply online using a laptop or mobile with an internet connection. If you need assistance, someone familiar with online registration can help. If you don’t have internet access, there are offline options available to apply as well.

You can also apply for the Apna Ghar Apni Chat Scheme via a toll-free number: 0800-09100. By calling this number, you can get complete information about the scheme and assistance with registration. A government representative will guide you through the process, ask for all the required details, and fill out the application form on your behalf, making it easier for those who cannot apply online.

If you cannot apply online or via the toll-free number, you can visit the nearest registration center for the Apna Ghar Apni Chat Scheme. At the center, provide all the required documents and information mentioned earlier. A government representative will assist you by filling out the application form on your behalf, ensuring your registration is completed smoothly.

Apna Ghar Apni Chat Application Status Check

After applying for the Apna Ghar Apni Chat Scheme, it is important to keep track of your application status to know whether you have been shortlisted or approved. You can check your application status online by visiting the official portal: https://acag.punjab.gov.pk/.

Here’s how to check your status:

1. Open the official ACAG website.
2. Click on the “Application Status” section.
3. Enter your CNIC number and registration details.
4. Click submit to view your current application status.

This process ensures you stay updated and don’t miss any important notifications regarding your home loan approval.

Conclusion

The Apna Ghar Apni Chat Scheme 2025 is a golden opportunity for low and middle-income families in Punjab to own their dream home. With interest-free loans, affordable monthly installments, and government support covering 60% of the cost, this program makes homeownership easier and realistic. Whether you apply online, via toll-free number, or at a registration center, the process is simple and user-friendly. This scheme not only provides financial relief but also ensures a safe and permanent residence for deserving families. Don’t miss this chance to build a secure future for you and your loved ones.

Frequently Asked Questions