Apni Chhat Apna Ghar Scheme 2026: 1.5M PKR Housing Loan Apply

The Apni Chhat Apna Ghar housing scheme is designed for low-income citizens across Punjab to build their own homes. Eligibility is verified electronically via NADRA CNIC and Land Records (PLRA). Key Scheme Details: • Loan Amount: Up to PKR 1,500,000 (1.5 Million / 15 Lakhs) • Interest Rate: 0% — completely interest-free (no Riba) • Monthly Installment: Approximately PKR 14,000 per month • Repayment Period: 9 years (108 equal monthly installments) • Administering Bank: Bank of Punjab (BOP) on behalf of Punjab Government • Disbursement: Released in tranches based on construction progress Eligibility Criteria: • Pakistani citizen with valid CNIC registered in Punjab • Must own an undeveloped plot: up to 5 Marla in urban areas OR up to 10 Marla in rural/peri-urban areas • Plot must be registered in the applicant's name in PLRA (Punjab Land Records Authority) • Must not own a constructed house anywhere in Pakistan • Must not have previously benefited from any government housing scheme (Naya Pakistan Housing, Mera Ghar, etc.) How to Apply (Step by Step): 1. Visit acag.punjab.gov.pk on your smartphone or computer 2. Create an account using your CNIC and mobile number 3. Fill in the online application form with personal and property details 4. Upload scanned copies of: CNIC, property ownership document (Fard/Mutation), and photograph 5. Submit application — your eligibility is verified automatically via NADRA + PLRA integration 6. If shortlisted, Bank of Punjab will contact you for the loan agreement Construction Disbursement: The loan is released in 3 construction tranches: • 1st Tranche (30%): After foundation is complete • 2nd Tranche (40%): After roof slab is complete • 3rd Tranche (30%): After plastering/finishing is done Official Helpline: 0800-02345 (toll-free, Monday to Saturday)