As of August 2025, Punjab’s Apni Chhat Apna Ghar program has entered a crucial phase: registration is open for homeowners looking to access a Rs 1.5 million interest-free loan to build their own home. This initiative, launched by CM Maryam Nawaz, continues to bring real hope to low-income families across Punjab. In this article, we cover the latest developments, benefits, how to apply, and what makes this moment a unique opportunity.
Current Status of the Scheme
Since its launch in August 2024, the scheme has delivered significant impact. Over 51,900 families have benefited so far, with 6,160 homes already completed and another 45,163 under construction.
Most recently, Rs 42 billion was allocated in mid-July 2025 to scale up the programme making this the largest provincial investment to date in affordable housing . The full-scale rollout is now moving into high gear as registrations open this August.
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What You Stand to Gain
- Generous Loan, Zero Interest
Borrow up to Rs 1.5 million to build your own home, with no interest applied. - Manageable Payments, Delay in Start
The repayment term spans seven years, with monthly installments around Rs 14,000, and a grace period of three months where no payment is required . - Wide Reach & Fair Access
The scheme includes both urban and rural residents: urban applicants who own up to 5 marlas and rural landowners up to 10 marlas are eligible.
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Application Steps at a Glance
| Step | Action | Key Details |
|---|---|---|
| 1 | Check Eligibility | Must be a Punjab resident with a CNIC; own land within specified limits (up to 5 marlas urban, 10 rural). |
| 2 | Register Online | Visit the ACAG portal (acag.punjab.gov.pk) and complete the registration form. |
| 3 | Submit Documents | Provide CNIC, proof of land ownership, socioeconomic snapshot, and contact details. |
| 4 | Wait for Verification | Applications are reviewed by PHATA; successful applicants move to loan processing. |
| 5 | Loan Disbursement & Construction | Funds are released, construction begins, and repayment starts after the 3-month grace period. |
All steps are designed to be user-friendly, with assistance available via the portal or the helpline.
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Why Now Is the Moment to Act
With Rs 42 billion freshly allocated, this August’s registration window is more powerful than ever it kicks the programme into overdrive. If you own eligible land, now is the opportunity to build a safe, dignified home and pay it off at affordable monthly rates.
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Conclusion
The Apni Chhat Apna Ghar August 2025 registration opens a rare window for homeownership made possible through interest-free financing. With significant government backing and strong implementation, this is not just a loan it’s a tangible path to secure housing and stability. If you qualify, act now and turn your dream of a home into reality.
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FAQs
Who is eligible for the Apni Chhat Apna Ghar loan?
Eligibility requires being a Pakistan citizen and resident of Punjab, holding a CNIC and owning land up to 5 marlas in urban areas or 10 marlas in rural zones.
How much can I borrow, and what are the terms?
You can access up to Rs 1.5 million interest-free, with a 7-year repayment period and a 3-month grace before installments begin, typically around Rs 14,000/month.
How do I register for the loan?
Visit the ACAG online portal, fill the registration form, upload documents, submit, and wait for verification by authorities.
What happens after I’m approved?
Upon approval, funds are disbursed for construction. You begin repayment only after three months then start monthly installments over the remaining duration.
Is this scheme expanding?
Yes. With Rs 42 billion allocated in mid-July 2025, the program is expanding rapidly making now the best time to pursue your application.
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