Apna Ghar Apni Chhat Scheme Phase 2 Registration Procedure Complete Update

Apna Ghar Apni Chhat Phase 2 Registration

Punjab Chief Minister Maryam Nawaz Sharif has announced the Apna Ghar Apni Chhat Scheme Phase 2, under which a special loan of Rs. 1.5 million will be provided for constructing a 10-marla house. This loan must be repaid within 7 years, and the registration process has already begun.

Chief Minister Maryam Nawaz Sharif further stated that a second phase will soon be launched to help deserving individuals who do not own a house. This initiative aims to support them in building their own homes through their efforts, allowing them to live in a secure and comfortable environment.

To register, applicants need to visit the ACAG official website and enter all required information in detail. Once registered, applicants will receive a confirmation, informing them that they are eligible to build their house under the Apna Ghar Apni Chhat scheme. Read this article for more information about the Apna Ghar Apni Chhat Scheme. We will provide all the details about this scheme.

What is the Apna Ghar Apni Chhat Scheme?

The Apna Ghar Apni Chhat Scheme is a government initiative designed to help low-income families in Punjab own homes. The program provides interest-free loans of up to Rs. 1.5 million, ensuring that more people can build their houses without financial burden.

Key Objectives of the Scheme:

Offering financial assistance to low-income families.
Providing interest-free loans for home construction.
Reducing homelessness and improving living standards.

Who Can Benefit?

Homeless and low-income individuals.
Victims of natural disasters.
People who do not already own a house.

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Phase 2 of Apna Ghar Apni Chhat Scheme

The second phase of the scheme has been launched with even better benefits for applicants.

Key Features of Phase 2:

Interest-free loans of Rs. 1.5 million.
Construction support for 10-marla houses.
Repayment period of seven years.
Monthly installment of Rs. 14,000 with a waiver for the first three months.

This initiative ensures that families can build homes without immediate financial stress.

Eligibility Requirements

To qualify for the scheme, applicants must meet the following requirements:

Must own 5 marlas in urban areas or 10 marlas in rural areas.
Must be a permanent resident of Punjab.
Applicants should not already own a house.
The application must be made by the family head.
A valid CNIC is required.
Applicants must have a clean legal record.

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Required Documents

To register for the Apna Ghar Apni Chhat Scheme 2025, ensure you have the following documents:

National Identity Card.
Proof of property ownership.
Proof of monthly income.

Having these documents ready will make the registration process smoother.

Apna Ghar Apni Chhat Phase 2 Registration

How to Register Online for the Apna Ghar Apni Chhat Scheme

Follow these steps to complete your registration:

Ensure a stable internet connection.
Visit the official website: acag.punjab.gov.pk.
Create a new account by entering your CNIC, email, and phone number.
Log in and accept the terms.
Fill out the application form with personal details.
Upload required documents (CNIC, property papers, income proof).
Submit the form and wait for SMS confirmation.

Once submitted, authorities will verify the application before proceeding with approval.

PSER Survey: A Mandatory Step

Applicants must complete the PSER survey to qualify for the scheme.

Why is the PSER Survey Important?

It helps update poverty scoring.
Ensures fair distribution of government assistance.
Replaces outdated NSER data for better accuracy.

All applicants must complete the survey before loan approval.

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Benefits of the Scheme

The Apna Ghar Apni Chhat Scheme 2025 provides several advantages to applicants:

Interest-free loans up to Rs. 15 lakh.
Affordable repayment plan over seven years.
Subsidized home construction near city areas.
Durable and high-quality homes for low-income families.

These benefits ensure that housing becomes more accessible and financially manageable for deserving families.

Loan Disbursement and Repayment Process

Before loan approval, the Punjab Housing and Town Planning Agency (PHATA) will verify applications.

First installment disbursement of Phase 2 soon.
Waiver of first three installments for ease of payment.
Monthly repayment: Rs. 14,000 over seven years.

Applicants should ensure they have a clear repayment plan to avoid financial difficulties.

Impact of the Apna Ghar Apni Chhat Scheme

The scheme is expected to bring significant improvements to the Punjab housing sector:

Boosting affordable housing for low-income groups.
Generating economic growth by increasing construction activities.
Enhancing living conditions for underprivileged families.

The initiative is not just about providing homes but also about improving the overall standard of living for thousands of people.

FAQs About the Apna Ghar Apni Chhat Scheme 2025

Who is eligible for the scheme?
Anyone who meets the eligibility criteria, including land ownership and income requirements.

How can I apply for the scheme?
Applicants must register online at acag.punjab.gov.pk and complete the PSER survey.

What documents are required for registration?
A valid CNIC, proof of property ownership, and proof of monthly income.

What is the repayment process?
Loans will be repaid over seven years with a monthly installment of Rs. 14,000.

Also read: Apply Online for Government Aid in PSER Punjab Registration 2025

Final Summary

The Apna Ghar Apni Chhat Scheme 2025 is a golden opportunity for low-income families in Punjab to own a home with government support. With interest-free loans, easy repayment plans, and quality construction assistance, the scheme ensures that more families can secure a better future.

If you meet the eligibility criteria, do not wait to Complete your Apna Ghar Apni Chhat Phase 2 Registration today and take a step towards a secure and stable home. In kind of face any issues then visit our website to get information and solve the issue.