Apni Chat Apna Ghar Scheme apply online at Acag Punjab gov pk

In here, details about “Apni Chhat Apna Ghar Program” scheme, launched by Chief Minister Maryam Nawaz, is a government initiative aimed at providing affordable housing to the people of Punjab, ensuring every citizen has access to home ownership and a roof over their heads.

Lahore, The Punjab Housing and Town Planning Agency (PHATA) is managing the “Apni Chhat Apna Ghar Program 2024,” a new housing loan scheme offering a district-wise quota for 100,000 housing units. Online applications and registrations are available on the official website, acag.punjab.gov.pk.

How to apply Apni Chhat Apna Ghar Check Online 2024

Step 1: Visit the official registration page.

The official ACAG Punjab website, acag.punjab.gov.pk, is the platform for registration to begin.

Step 2: providing your personal information.

The registration page requires you to provide the following details:

  1. Full Name (مکمل نام): Enter your full name exactly as it appears on your CNIC to avoid discrepancies.
  2. Father’s/Husband’s Name (ولدیت / شوہر کا نام): Indicate your relationship (whether son, daughter, or wife) and enter the full name of the respective person.
  3. CNIC Number (قومی شناختی کارڈ نمبر): Input your CNIC without any spaces or dashes (e.g., 1234512345678).
  4. Father’s/Husband’s CNIC Number (ولدیت / شوہر کا شناختی کارڈ نمبر): Similarly, enter the CNIC number of your father or husband accurately.
  5. Gender (صنف): Select your gender from the options (Male/Female).
  6. Email (ای میل): Provide a valid and active email address for communication purposes.
  7. Network (نیٹ ورک): Select your mobile network provider from the dropdown list.
  8. Mobile Number (موبائل نمبر): Enter your mobile number in the correct format.
  9. District (ضلع): Choose your district from the provided list.
  10. Division (ڈویژن): Select your division based on your location.
  11. Tehsil (تحصیل): Pick the appropriate tehsil.
  12. City (شہر): Enter the name of your city.

Step 3: creating a robust password account

To establish your account, it is essential to create a secure password.

To set up your account, create a strong password combining letters, numbers, and special characters, and then confirm it by re-entering the password.

Step 4: submitting your registration form

After you’ve filled in all the required fields, follow these steps:

  1. Review Your Information Carefully: Double-check every entry for accuracy, especially names, CNIC numbers, and contact information. Make sure there are no typos or mistakes that could delay the processing of your application.
  2. Submit Your Application: Once you are confident that all the information is correct, click the “Register (رجسٹر کریں)” button to submit your application.
Registration Form
Apni Chat Apna Ghar Scheme apply online

How to log in & complete the “Apni Chhat Apna Ghar program” application

To log in and finish your application after successfully registering, follow these steps:

Step 1: Log In to Your Account

  1. Click the Login Button: Navigate to the login page and click the “Login” button to access your account.
  2. Use Your CNIC as Username: Enter your CNIC number (without dashes or spaces) as your username.
  3. Enter Your Password: Password you Created During the Registration Process.

Step 2: Access Your Dashboard

  1. Redirected to Dashboard: After logging in, you will be redirected to your personal dashboard or the next required page.
  2. Agree to Terms: Check the box to agree to the terms of the certificate and any disclaimers provided.

Step 3: Complete the Application Form

  1. Provide Personal Information: Complete the registration application form by filling in details such as property ownership and socio-economic information.
  2. Complete Mandatory Fields: Ensure all required fields are filled in correctly.
  3. Upload a Picture: Attach a recent picture as part of the application.
  4. Submit the Form: After reviewing all information, click the “Submit” button to finalize your application.

The Apni Chhat Apna Ghar Program 2024 eligibility criteria are essential for those seeking a home loan through the scheme. Failure to meet these conditions will result in ineligibility.

Primary Family Member:

  • The applicant must be registered as the primary family member in the National Database and Registration Authority (NADRA) records, indicating they are the head of the household.

Permanent Residency:

  • The applicant must be a permanent resident of Punjab, with their CNIC reflecting this. Residency verification is crucial for regional programs.

Property Ownership:

  • The applicant must own a small piece of land at the time of application. The land should not exceed:
    • 5 Marla in urban areas.
    • 10 Marla in rural areas of Punjab.
  • The applicant must also intend to build a house on this land.

Criminal History:

  • The applicant must have a clean criminal record with no involvement in anti-state activities, anti-social behavior, or serious crimes.

Loan Default:

  • The applicant should not have defaulted on any loans taken from banks or financial institutions, ensuring financial credibility.

NSER Registration:

  • The applicant must be registered in the National Socio-Economic Registry (NSER).
  • Their Poverty Measurement Tool (PMT) score should be 60 or less, indicating a lower income level and higher eligibility for support.

The Pakistani government has updated the Apni Chhat Apna Ghar Scheme.

Pakistan’s Chief Minister, Maryam Nawaz, has introduced the Apni Chhat Apna Ghar Scheme, a new initiative aimed at providing loans to unemployed Punjabi individuals, enabling them to achieve homeownership, regardless of their occupation, whether they are laborers, employees, or small business owners.

Chief Minister Maryam Nawaz has announced a 15 lakh rupee loan for underprivileged people in Punjab, enabling them to own their homes. This is part of the Apni Chhat Apna Ghar program launched by the Punjab government, providing essential details for readers.

Apni Chat Apna Ghar Scheme apply online at Acag Punjab gov pk

The Apna Chhat Apni Ghar Scheme aims to provide financial assistance to the poor and needy.

The Pakistani government has launched the Apni Chhat Apna Ghar Scheme, aiming to provide 100,000 affordable homes across Punjab. The scheme, which will be completed in three phases over four and a half years, offers a 15 lakh rupee loan to help those unable to build their own homes due to financial constraints.

The Apni Chhat Apna Ghar Scheme aims to provide financial assistance to those in need.

Program Objectives:

  1. Improving Living Conditions:
    • The program aims to provide better living environments for low-income families, improving housing standards and overall quality of life.
  2. Access to Basic Amenities:
    • Ensures access to essential services such as clean water, sanitation, and electricity, which are crucial for a healthy and sustainable living environment.
  3. Community Development:
    • By improving infrastructure and housing, the program contributes to the growth and development of communities, fostering social cohesion and economic stability.
  4. Reducing Overcrowding:
    • One of the primary objectives is to address overcrowding and slum development, providing more housing to alleviate pressure on urban areas and improve living conditions in dense, impoverished regions.
  5. Community Protection:
    • Enhancing the safety and well-being of communities by providing secure housing, better infrastructure, and supportive services, helping to reduce crime and promote a healthier society.
  6. Job Creation:
    • The construction of 100,000 homes will create around half a million jobs, positively impacting the local economy through increased employment opportunities, especially in the construction and related sectors.

apni chat apna ghar scheme apply online Pakistan Urdu

Features:

‘اپنی چھت اپنا گھر’ پروگرام کے تحت، حکومت پنجاب کی جانب سے گھر کی تعمیر کے لیے بلا سود قرض فراہم کیا جاتا ہے۔ اس پروگرام کی تفصیلات اور شرائط مندرجہ ذیل ہیں:

قرض کی شرائط:

قرض کی رقم: زیادہ سے زیادہ 15 لاکھ روپے۔
واپسی کا دورانیہ: آسان اقساط میں 7 سال کے اندر قرض واپس کیا جا سکتا ہے۔
قسطوں کی فراہمی: قرض کی رقم اقساط میں فراہم کی جائے گی۔
آپریشنل اخراجات اور سیلز ٹیکس: پنجاب حکومت آپ کے آپریشنل اخراجات اور سیلز ٹیکس بھی ادا کرے گی۔
پہلی تین ماہ کی اقساط معاف: شروع کے تین ماہ کی اقساط میں معافی دی گئی ہے۔

درخواست گزار کے لیے اہلیت کی شرائط:

پنجاب صوبے کا رہائشی: درخواست گزار کا پنجاب صوبے کا مستقل رہائشی ہونا ضروری ہے۔
قومی شناختی کارڈ: درخواست گزار کے پاس حکومت پاکستان کی طرف سے جاری کردہ قومی شناختی کارڈ (CNIC) ہونا چاہیے۔
زمین کی ملکیت:
شہری علاقے میں 5 مرلہ زمین، یا
دیہی علاقے میں 10 مرلہ زمین۔
مجرمانہ ریکارڈ: درخواست گزار کا کوئی مجرمانہ ریکارڈ نہیں ہونا چاہیے۔
قرض کا عدم ادائیگی: درخواست گزار نے کسی مالیاتی ادارے یا بینک سے قرض نہ لیا ہو، یا قرض کی عدم ادائیگی نہ کی ہو۔
NSER رجسٹریشن: درخواست گزار کو نیشنل سوشیو اکنامک رجسٹری (NSER) میں رجسٹرڈ ہونا چاہیے۔
PMT اسکور: درخواست گزار کا PMT اسکور 60 یا اس سے کم ہونا چاہیے۔
یہ شرائط اس بات کو یقینی بناتی ہیں کہ صرف وہ لوگ جو ان شرائط پر پورا اترتے ہیں، اس حکومتی پروگرام سے فائدہ اٹھا سکیں گے۔

Required Documents:

To apply for the “Apni Chhat Apna Ghar” program and receive a Rs 1.5 million loan for house construction, applicants must submit specific verification documents to determine eligibility.

National Identity Card (CNIC):

  • A valid CNIC issued and approved by the Government of Pakistan for identity verification.

Valid Phone Number:

  • A valid mobile number that will be used for official communication and updates throughout the application process.

Proof of Property Ownership:

  • Documentation to verify ownership of 5 Marla land in urban areas or 10 Marla land in rural areas. This includes:
    • Property ownership deeds or certificates.
    • Mutation document or Fard for the land.

Proof of Monthly Income:

  • Documents such as salary slips or bank statements to assess your financial status and ensure eligibility for the interest-free loan.

District-Wise Loan Quota for the Apna Ghar Scheme

No.ZonePHATA RegionDistrictsLoan DistributionPHATA Region-wise UnitsPackaging
1CenterBhakarBhakar28319134423
2Khushab243
3Layyah366
4Mianwali307
5Muzaffargarh714
6FaisalabadChiniot3132511
7Faisalabad851
8Jhang451
9Sargodha520
10Toba Tek Singh376
11NorthLahoreGujranwala65758048003
12Hafizabad302
13Kasur484
14Lahore1690
15Nankana314
16Narowal357
17Okara518
18Pakpattan401
19Sheikhupura512
20Sialkot570
21RawalpindiAttock2872198
22Chakwal263
23Gujrat466
24Jhelum225
25Mandi Bahauddin358
26Rawalpindi600
27SouthBahawalpurBahawalnagar45416845074
28Bahawalpur517
29Rahim Yar Khan714
30MultanDG Khan4983390
31Khanewal458
32Lodhran380
33Multan726
34Rajanpur368
35Sahiwal443
36Vehari517
Total175001750017500

Apply through acag.punjab.gov.pk

The “Apni Chhat Apna Ghar” housing scheme, initiated by Punjab Chief Minister Maryam Nawaz, offers a simple registration process for securing an interest-free loan of Rs. 1.5 million for home construction.

  1. Visit the Official Website: open the official website of the “Apni Chhat Apna Ghar” scheme.
  2. Create an Account: If you are a new user, register by entering your CNIC number, phone number, and a secure password.
  3. Log In to Your Account: Use your CNIC and the password you created to log in to your account.
  4. Fill Out the Application Form: Complete the application form with your personal details, including your name, CNIC number, father’s name, father’s CNIC number, district, division, property information, occupation, job sector, monthly income, and property status. Upload a recent photo of yourself.
  5. Submit Required Documents: Provide the necessary documents as part of your application, as these are crucial for verifying your eligibility.
  6. Review Your Application: Double-check all the information and documents you have submitted to ensure everything is accurate.
  7. Submit Your Application: After reviewing, submit your application. You will be prompted to provide feedback before the final submission.
  8. Wait for Eligibility Confirmation: If you meet the eligibility criteria, you will receive a confirmation message from the Punjab Government regarding your qualification for the scheme.
Apni Chat Apna Ghar Scheme

ACAG Helpline Contact Information

If you need assistance or have questions regarding the registration process for the Apni Chhat Apna Ghar Program, you can reach out to the official support team through the following:

  • Contact Numbers (رابطہ نمبر):
    042-99213419, 042-99213428
  • Email (ای میل):
    info@phata.punjab.gov.pk

Apni Chhat Apna Ghar Register via Smartphone

To build your own house through the Apni Chhat Apna Ghar scheme, complete the registration process from home with a good internet connection. A step-by-step guide is provided for registering using your smartphone.

  1. To access Apni Chhat Apna Ghar, visit their official website at acag.punjab.gov.pk.
  2. Create an account by entering your CNIC number, phone number, password, email, and address.
  3. Review and accept the terms and conditions.
  4. Fill out a form with your personal information, upload required documents, and provide feedback.
  5. Finally, click on the submit button to submit your information.

Conclusion

Registering for the Apni Chhat Apna Ghar Program is easy, but accuracy in providing information is crucial. The program offers eligible residents of Punjab the chance to receive interest-free loans for home construction.

For help, visit the official ACAG Punjab website or contact their support team. This scheme is a significant opportunity for low-income families, especially those earning under Rs 60,000, to own a home with interest-free financing through online or offline applications.

Frequently Asked Questions [FAQs]

  1. What is the Apni Chhat Apna Ghar Scheme?
    • The Apni Chhat Apna Ghar Scheme is a housing initiative by the Punjab Government that provides interest-free loans to low-income families for building homes.
  2. Who is eligible for the Apna Chhat Apna Ghar Scheme?
    • Residents of Punjab with a valid CNIC, owning 5 marla land in urban areas or 10 marla land in rural areas, and registered in the NSER with a PMT score of 60 or below.
  3. How can I apply for the Maryam Nawaz Scheme?
    • You can apply online via the official Apni Chhat Apna Ghar website or visit designated centers for assistance.
  4. What documents are required for the application?
    • CNIC, proof of property ownership, proof of income, and valid contact details.
  5. How much can I borrow under this scheme?
    • Up to 15 lakhs.
  6. What is the payment period for a 15 lakh loan?
    • The repayment period is 7 years, with easy monthly installments.
  7. Are there any initial payment requirements?
    • No, the first three months’ installments are waived.
  8. Can I apply through my smartphone?
    • Yes, the entire process can be completed via smartphone by visiting the official website.
  9. What do I do if I face issues during registration?
    • Contact the official helpline or support team for assistance.
  10. Is the loan interest-free?
  • Yes, it is completely interest-free.
  1. How can I confirm my application status?
  • Track your status via the official website or by contacting support.

If you encounter any issues or have questions about applying for the Apna Chhat Apna Ghar program, feel free to contact us. We are happy to assist you.