How to Apply (Detailed Guide)

Apna Ghar Apni Chat 2026 – Apply Online Step by Step Guide

Agar aap Apna Ghar Apni Chat Scheme ke liye apply karna chahte hain to yeh simple guide follow karein.

👉 Apply karne ke liye official portal:

https://acag.punjab.gov.pk/

📲 Apply Steps:

Website open karein
👉 https://acag.punjab.gov.pk/
Register account
Login karein
Form fill karein
Documents upload karein
Submit karein

👉 Direct apply link:
https://acag.punjab.gov.pk/

📌 Important Tip:

Form fill karte waqt correct info dein warna application reject ho sakti hai.

👉 Complete scheme details ke liye yeh post bhi read karein:
“Apna Ghar Apni Chat 2026 – Complete Guide”

Easy way

Apni Chhat Apna Ghar" (ACAG) scheme Punjab ke low-income residents ke liay Maryam Nawaz Sharif (Chief Minister Punjab) ki taraf se launch kiya gaya aik housing program hai. Is scheme ka maqsad interest-free loans aur free residential plots mohaiyya karna hai.

Neechay apply karne ka mukammal tareeqa diya gaya hai:

"Apni Chhat Apna Ghar" Scheme ke liay Kaise Apply Karein? (Step-by-Step)

Is scheme ke liay application sirf online submit ki ja sakti hai. Kisi offline office mein application submit karne ka koi process nahi hai.

Official Portal Par Jayein: Sab se pehlay scheme ke official web portal par jayein: acag.punjab.gov.pk.
Citizen Registration: Portal par 'Register' ke option par click karein. Aik registration form khul jayege jahan aap ko apni basic details enter karni hon gi, jaise:
- Apna Full Name
- CNIC Number (Nadra verification ke liay)
- Valid Mobile Number
- Aik secure Password banayein aur confirm karein.
- OTP (One-Time Password) enter karein jo aap ke mobile number par bheja jayega.
Certify Application: Registration complete karne ke baad, aap aik dashboard par redirect ho jayein ge. Yahan aik 'Certification Form' hoga. Aap ko har category ko verify karna hoga ke aap di gayi eligibility criteria par poora utartay hain.
Fill Application Form: Certification step complete karne ke baad, 'Application Form' active ho jayega. Is form mein mazeed tafseelat enter karein, jaise ke:
- Personal Information
- Address Details (Punjab residency proof ke liay)
- Land Ownership Details (Plot ka size, location, address)
- Income details aur NSER (National Socio-Economic Registry) registration score.
Attach Required Documents: Form fill karne ke baad, required documents ki scanned copies attach karein. In mein shamil hain:
- Scanned copy of your valid CNIC.
- Proof of Plot Ownership (e.g., registry, Fard, allotment letter).
- Proof of Income (Salary slip ya bank statement).
- A recent photograph.
Submit the Form: Sab details verify karne ke baad, 'Submit' par click karein. Aap ki application process ho jaye gi.
Application Tracking: Application submit karne ke baad, aap Portal par login karke apni application ka status track kar saktay hain.

Scheme ke liay Eligibility Criteria (Aheliyat)

Apply karne se pehlay, yakeeni banayein ke aap in criteria par poora utartay hain:

Residence: Aap ko Punjab ka permanent resident hona chahiye (CNIC par Punjab ka address).
Plot Size: Aap ke paas apna residential plot hona chahiye:
- Urban areas mein 1 to 5 marla.
- Rural areas mein 1 to 10 marla.
Income Limit: Monthly household income 50,000 PKR se kam honi chahiye.
Property Ownership: Applicant ke naam koi doosra ghar ya property nahi honi chahiye.
Loan Details: Ye scheme maximum 1.5 million (15 lakh) PKR tak ka loan mohaiyya karti hai.
Loan Tenure: Loan ki wapsi 7 saal (84 months) mein karni hogi.
Monthly Installment: Maximum monthly installment 14,000 PKR hai.
NSER Score: Applicant ka NSER (National Socio-Economic Registry) score 60 ya us se kam hona chahiye.
Clear Record: Applicant default list mein nahi hona chahiye aur koi criminal record bhi nahi hona chahiye.