Quick Facts
Introduction
Complete Apni Chhat Apna Ghar 2026 guide: eligibility, Rs 1.5 million new-house loan, Mehfooz Chhat categories, repayment, rebate, documents and official apply link.
Apni Chhat Apna Ghar 2026 is a flagship housing initiative of the Government of Punjab, implemented through the Punjab Housing and Town Planning Agency and the Housing, Urban Development and Public Health Engineering Department. Its purpose is to help eligible families build or improve a safe home through interest-free housing finance and a digital application system.
For related updates, explore Banking Info, Scholarships, Jobs and for more information.
The official portal now presents more than one application route. Applicants who want to build a new house on their own plot should select Apni Chhat Apna Ghar. Applicants who need to repair a weak roof, add a room or construct an additional storey should select the relevant Apni Chhat Mehfooz Chhat category. Choosing the correct option is important because the purpose, loan limit and disbursement stages are different.
Official ACAG Portal and Online Apply Link
Applications and programme information are available through the official Punjab portal:
Open the home page, choose Register if you are a new applicant or Login if you already have an account. On the dashboard, select the application card that matches your housing need. Do not use private websites or agents claiming to submit an application for a fee.
Apni Chhat Apna Ghar: New House Construction Loan
This is the main ACAG category for eligible applicants who already own and possess a small residential plot and want to construct a new house. The official programme information lists an interest-free loan of up to Rs 1.5 million. The finance is for construction on the applicant’s own plot; it is not a land-purchase grant.
| Purpose | Construction of a new house on a self-owned and possessed plot |
|---|---|
| Maximum loan | Up to Rs 1,500,000 |
| Markup | Interest-free / zero markup under the programme terms |
| Plot size | Up to 5 Marla in urban areas or up to 10 Marla in rural areas |
| Repayment | Programme finance documents list a long-term schedule; the current facility offer letter and payment schedule control the exact instalment |
| Disbursement | Released in construction-related stages according to the approved process |
The final loan amount, construction stages, instalment and payment dates are decided according to the approved application and finance documents. Applicants should read the facility offer letter and repayment schedule before accepting the loan.
Apni Chhat Mehfooz Chhat: Loan Categories
Apni Chhat Mehfooz Chhat is designed for families who need to improve the safety or usable space of an existing home. The official loan-category page displays the following options:
| Category | Eligible work | Maximum loan | Tenure / release |
|---|---|---|---|
| Category 01 | Repair and strengthening of a weak or dilapidated roof, or addition of a room | Rs 500,000 | 9 years; two instalments |
| Category 02 | Construction of an additional storey or floor | Rs 1,000,000 | 9 years; two tranches at approval and lintel level |
Select Category 01 if the main need is roof repair, roof strengthening or an additional room. Select Category 02 if the approved work is an additional floor or storey. The portal may require inspection, construction evidence and stage-based verification before the next release.
Eligibility Criteria for Apni Chhat Apna Ghar
The Punjab Government’s programme information lists the following core requirements for the new-house category:
- The applicant must be the head of the nucleus family according to the NADRA record.
- The applicant must be a permanent resident of Punjab according to the CNIC.
- The applicant must be the sole owner and possessor of a plot measuring up to 5 Marla in an urban area or up to 10 Marla in a rural area anywhere in Punjab, at the time of online application.
- The applicant must not have a criminal record involving anti-state, anti-social or heinous offences as described in the programme criteria.
- The applicant must not be a loan defaulter of a bank or financial institution.
- The applicant’s household must be registered in the National Socio-Economic Registry (NSER) with a PMT score of 60 or less.
Eligibility for Mehfooz Chhat Categories
Applicants applying for roof repair, an additional room or an additional floor should use the eligibility and property conditions shown on the live portal. In addition to identity and Punjab-residency checks, the authority may verify that the applicant has a lawful connection with the existing home, that the proposed work is technically feasible and that the property is not being used for a different purpose than the selected category.
Do not select a category merely because it has a higher loan limit. Choose the category that accurately describes the work you intend to complete and provide truthful property and construction information.
Early Payment Rebate
An important-news notice displayed on the official portal states that when a borrower makes full and final pre-payment of the outstanding loan amount, the rebate on the remaining principal is:
| Full settlement period | Displayed rebate |
|---|---|
| Within 1 to 3 years | 20% rebate on the outstanding principal |
| Within 4 to 6 years | 10% rebate on the outstanding principal |
This rebate is for full and final settlement and should not be confused with a routine monthly instalment. Confirm the applicable rebate, calculation method and settlement procedure with the finance partner and the signed loan documents before planning an early payment.
Required Documents and Information
Prepare clear copies of the information requested by the live portal. The exact checklist can vary by category and verification stage, but applicants should generally keep the following ready:
- Applicant’s valid CNIC and a mobile number registered in the applicant’s name.
- NADRA family information supporting head-of-family status.
- Proof of plot ownership and possession, such as the relevant registry, fard, allotment or ownership record.
- Property location, size, address and other land-record information.
- NSER registration and PMT-related household information.
- Construction, roof condition, room or floor details according to the selected category.
- Any photographs, declarations, income or supporting documents requested by the portal or finance partner.
Use readable documents and keep the spelling of the applicant’s name, CNIC and property information consistent. Never upload someone else’s documents or make a false declaration.
How to Apply Online
- Open the official portal at acag.punjab.gov.pk/index.aspx.
- Click Register to create an account, or click Login if you already registered.
- Enter the CNIC, contact and household information exactly as required.
- Select Apni Chhat Apna Ghar for new-house construction, or select Apni Chhat Mehfooz Chhat for roof, room or floor work.
- Choose the correct loan category and enter property and construction details.
- Upload clear supporting documents and complete the declarations.
- Review the form carefully and submit it through the portal.
- Save the application ID, acknowledgement and screenshots for future reference.
- Check the dashboard and official messages for verification, approval, selected MFI, construction stage or any missing information.
How to Check Application Status
After login, applicants can use the portal’s application-status area. The official status page is designed to show the application ID, applicant name, CNIC, current application status and selected microfinance institution (MFI), where applicable.
Check the status regularly and respond through the official channel if the authority requests a correction or additional document. Do not submit duplicate applications simply because the status has not changed.
Loan Disbursement and Repayment
The new-house loan and Mehfooz Chhat facilities are not normally paid as an unrestricted cash grant. Releases are connected with the approved purpose and construction progress. For Mehfooz Chhat Category 01, the portal displays two instalments. For Category 02, it displays two tranches linked with approval and lintel-level progress.
The finance partner’s offer letter, agreement and repayment schedule are the final documents for instalments, grace period, due dates, construction verification and early settlement. Keep every receipt and do not pay an unofficial person for a release.
Latest Portal Statistics
At the time of reviewing the supplied ACAG portal screenshot, the public dashboard displayed approximately 222,854 loans disbursed, PKR 289,754.8 million disbursed, 126,294 houses completed and 61,499 houses under construction. These counters are dynamic and can change; they should not be treated as a permanent target or as an individual applicant’s approval.
Is There a Last Date to Apply?
The two official pages reviewed for this guide do not display a single fixed closing date for all applicants and categories. The portal is the correct place to confirm whether registration, a particular category or a district quota is currently available. If the authority announces a deadline, pause or category-specific closing date, it should be verified on the official portal or through the helpline before applying.
Official Helpline and Safety Advice
The portal displays the toll-free helpline 0800-09100. Use it for programme guidance, login problems, application status questions and category clarification.
- Apply only through acag.punjab.gov.pk.
- Do not pay an agent for registration, selection, balloting or loan release.
- Never share your password, OTP or complete CNIC details with an unverified person.
- Confirm any message, fee or demand through the official helpline or selected finance partner.
- Keep the application ID, submitted form and all official receipts safe.
Official Sources
- Apni Chhat Apna Ghar official portal
- Official loan categories page
- Official applicant status page
- Punjab Government programme details and eligibility
- Punjab Portal programme listing
Verification note: This article was prepared on 20 October 2026 after reviewing the supplied official ACAG pages and the programme information published by the Punjab Government. Loan amounts, category availability, counters, instalment schedules and deadlines can be updated. Always confirm the live portal and signed finance documents before taking action. For more Punjab government updates, visit our Govt Schemes category.
FAQs
What is Apni Chhat Apna Ghar?
It is a Punjab Government housing programme that provides eligible families with interest-free finance to build a house on their own eligible plot.
How much loan is available for a new house?
The main Apni Chhat Apna Ghar category displays a maximum loan of up to Rs 1.5 million, subject to eligibility, verification and the approved finance agreement.
What is Apni Chhat Mehfooz Chhat?
It is the related safe-roof and home-improvement route. Category 01 covers roof strengthening or an additional room up to Rs 500,000, while Category 02 covers an additional floor or storey up to Rs 1 million.
Who can apply for the new-house loan?
The core criteria include being the head of the NADRA-recognised family, a permanent Punjab resident, the sole owner and possessor of an eligible plot, not a loan defaulter, without the stated criminal record, and part of an NSER household with a PMT score of 60 or less.
What is the early payment rebate?
The portal notice displays a 20% rebate on the outstanding principal for full settlement within 1 to 3 years and a 10% rebate for full settlement within 4 to 6 years. Confirm the calculation and terms with the finance partner.
What is the last date to apply?
No single fixed last date for all categories was displayed on the pages reviewed. Check the live official portal for category or district-specific availability and any new deadline.
How can I check my application status?
Log in to the official ACAG portal and open the application-status option. The status page can show the application ID, applicant details, current status and selected MFI where applicable.
Conclusion
Review the official sources, dates and eligibility conditions mentioned in this article before taking action. For more related updates, explore the category links above.
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