Apni Chat Apna Ghar 15 Lakh Loan Scheme Phase 2 Apply Online Now
Apni Chat Apna Ghar Phase 2
Government of Punjab has launched Apni Chat Apna Ghar Scheme Phase 2 in August 2025, giving thousands of low-income families a golden opportunity to build their dream homes without the burden of bank interest. Under this program, eligible citizens can get an interest-free loan of up to Rs. 15 lakh to either construct a house on their own land or complete an under-construction home.
Unlike traditional bank loans that carry high interest rates, this scheme is designed for affordability and inclusivity. Families can repay the amount in easy monthly installments over a 10-year period, making home ownership more accessible than ever before.
Purpose of the Apni Chat Apna Ghar Scheme
In Punjab, many families, especially in rural and semi-urban areas, own land but lack the funds to start or finish construction. This leaves them stuck in rented houses, cramped rooms, or unsafe, unfinished structures.
Apni Chat Apna Ghar Scheme aims to break this cycle by offering interest-free financing, helping people move into safe and dignified homes. This initiative also supports the construction industry, creates jobs, and contributes to poverty reduction.
Key Features and Benefits
- Maximum Loan: Rs. 1,500,000 (15 lakh)
- Interest Rate: 0% – 100% interest-free loan
- Repayment Period: Up to 10 years
- Monthly Installments: Starting from Rs. 12,500
- Loan Disbursement: Released in three stages based on construction progress
💡 Why it’s better than a bank loan: No markup, longer repayment time, and flexible installment plans backed by the Punjab government.
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Eligibility Criteria For Apni Chat Apna Ghar Scheme – Who Can Apply?
Applicants must fulfill these requirements:
- Must be a permanent resident of Punjab
- Family income less than Rs. 60,000/month
- No fully constructed house in their name
- Must own land (registered in applicant’s name)
- If house is under construction, proof must be provided
- Priority given to widows, orphans, disabled persons, and labour-class workers
- Must have a valid CNIC and registered mobile number
Apni Chat Apna Ghar Scheme Registration Process (Online)
- Visit the official portal: https://acag.punjab.gov.pk
- Click Apply Now
- Enter personal details: Name, CNIC, mobile number, marital status, income, and address
- Select district, tehsil, and union council
- Provide land details and construction plan
- Tick the declaration box and submit the form
- Wait for confirmation SMS
- Track application status using your CNIC on the portal
Loan Disbursement – Three Phases
The loan is released in three stages to ensure proper use:
- Phase 1: 40% after plot and document verification
- Phase 2: 30% after basic structure completion
- Phase 3: Remaining 30% after roof and finishing work
Government teams will inspect the site before releasing each payment.
Required Documents
Keep these ready for faster approval:
- Computerized CNIC
- Proof of monthly income
- Land registry in applicant’s name
- Utility bill (gas or electricity)
- Family Registration Certificate (FRC) from NADRA
- Two passport-size photographs
Approval Time & Process
- Initial screening: 10–15 days
- NADRA and land record verification: 20–25 days
- On-site inspection: 10–15 days
- Final approval in 30–60 days
Final Call to Action:
Apply now for the Apni Chat Apna Ghar Scheme Phase 2 through the official website or your nearest PHATA office before the deadline in August 2025. This could be the first step towards a permanent, secure, and dignified future.
