Apni Chhat Apna Ghar (ACAG) Program 2024
The Apni Chhat Apna Ghar (ACAG) program is an affordable housing initiative launched by the Punjab Government. Its goal is to provide interest-free loans and homes to low-income families across the province, improving their living standards. Here’s a comprehensive guide on the key highlights, who can apply, and how to register.
Key Highlights of Apni Chhat Apna Ghar Program
Affordable Housing Units: The scheme plans to build 100,000 affordable homes across Punjab within four and a half years.
Interest-Free Loans: Financial assistance up to PKR 1.5 million per household is available through interest-free loans, repayable over 7 years.
Three Models:
- Model 1: 10,000 units on state land.
- Model 2: 20,000 units in private schemes.
- Model 3: 70,000 units financed via loans.
Also Read: BISP Starts New SOPRAN Project
Who Can Apply for ACAG Housing Scheme 2024?
To be eligible for the Apni Chhat Apna Ghar scheme, applicants must meet the following criteria:
- Punjab Residency: Applicants must be permanent residents of Punjab.
- Ownership of Plot: They must own land not exceeding 5 marlas in urban areas or 10 marlas in rural areas where they wish to build their home.
- Head of Household: Applicants should be the head of their nuclear family as per NADRA records.
- No Criminal Record: The applicant should have no criminal record or involvement in anti-state activities.
- Registered in NSER: Applicants must be listed in the National Socio-Economic Registry (NSER) with a PMT score of 60 or below.
Also Read: BISP Registered Beneficiaries
ACAG Program Online Registration Process
You can apply for the Apni Chhat Apna Ghar program online through the official portal of the Government of Punjab. Here’s a simple step-by-step guide:
- Visit the ACAG Portal: Head over to acag.punjab.gov.pk.
- Register Online: Click on the “Register” button and fill out the basic form with details such as your CNIC, contact information, and income details.
- Submit Documents: You will need to upload your ownership documents, CNIC, and any supporting financial details.
- District Quota Check: Ensure your district is included in the scheme. The distribution of housing units is based on district population.
- Submit Application: Once the form is complete, submit it for processing.
Make sure all your details are accurate, as any mistakes could delay your application.
Also Read: Roshan Gharana Program Details
Final Words
The Apni Chhat Apna Ghar scheme is a lifeline for low-income families in Punjab, offering them the chance to own affordable housing through interest-free loans. It’s a transformative initiative that will improve the living conditions for thousands of families and contribute to the development of organized, sustainable communities.
If you’re eligible, ensure to complete the registration as soon as possible and monitor the status of your application online.
Also Read: Mobilink Bank Doost App
10 Frequently Asked Questions (FAQs)
What is the Apni Chhat Apna Ghar program?
It’s a housing scheme launched by the Punjab government offering affordable homes and interest-free loans for low-income families.
Who is eligible for the ACAG program?
Permanent residents of Punjab, heads of nuclear families with a plot of 5 marlas or less in urban or 10 marlas in rural areas, registered with NSER, and with no criminal background.
What are the loan terms?
Loans up to PKR 1.5 million, repayable over 7 years with no interest.
How can I apply for the Apni Chhat Apna Ghar scheme?
You can apply online via the official ACAG portal, acag.punjab.gov.pk.
What documents are needed for registration?
CNIC, plot ownership papers, and other financial details are required.
Can I apply if I don’t own land?
No, the scheme is specifically for individuals who own a plot of land.
What are the district quotas?
Each district in Punjab has a designated quota of homes based on population size.
Are there any fees to apply?
No, the registration process is free of charge.
What is the maximum size of the plot I can own?
5 marlas in urban areas or 10 marlas in rural areas.
