The Apni Chhat Apna Ghar Scheme 2026 is a landmark project by the Government of Punjab to solve the housing crisis for low-income families. Under this scheme, citizens can get interest-free loans of up to 1.5 million PKR to construct their own houses on their existing land. This initiative is designed to provide a secure and dignified living environment for everyone.

This scheme is unique because of its easy repayment terms:

• Total Loan: Up to 1,500,000 PKR (15 Lakh).
• Interest Rate: 0% Interest (Totally Interest-Free).
• Monthly Installment: Approximately 14,000 PKR per month.
• Grace Period: No installments for the first few months to allow for construction.

To be eligible for this housing loan, you must fulfill the following conditions:

• Land Ownership: The applicant must own a plot of up to 5 marla in urban areas or 10 marla in rural areas.
• Residency: Applicant must be a permanent resident of Punjab.
• Clean Record: Must not be a bank defaulter or involved in major legal issues.
• Income Status: Preference is given to widows, orphans, and families with low monthly income.

Follow these steps to apply for the Apni Chhat Apna Ghar program:

1. Visit the official ACAG portal at acag.punjab.gov.pk.
2. Register using your CNIC and mobile number.
3. Fill out the application form with your land details and family information.
4. Upload required documents including CNIC copy and proof of land ownership.
5. Submit the application and track your status using the provided ID.