Apni Chhat Apna Ghar Scheme Phase 3
The Apni Chhat Apna Ghar Scheme Phase 3 is a transformative initiative launched by Punjab Chief Minister Maryam Nawaz to address the housing crisis and empower homeless families. This scheme offers interest-free loans for constructing personal homes, enabling low-income families to achieve their dream of homeownership. For 2025, the program has reopened applications for new participants, making it an unmissable opportunity for those who meet the criteria.
After the success of the first two phases of the Apni Chhat Apna Ghar program, the third phase is being launched in which more people will be included and loan amount will also be provided to these more people. So, what’s the delay? Register now and get a loan of 1.5 million for yourself while sitting at home.
Loan Approval And Per Month Installment
This program stands out for its user-focused benefits and innovative design:
- Interest-Free Loans: Eligible applicants can receive up to 1.5 million without paying any interest.
- Affordable Repayment Plan: Loans can be repaid in easy monthly installments of just 14,000 over seven years.
- Urban and Rural Inclusion: The scheme accommodates residents of urban areas with 5 Marla land and rural areas with 10 Marla land.
- Transparent Selection Process: If applications exceed 100,000, a fair lottery system will decide successful candidates.
This initiative not only provides financial support but also ensures a fair and transparent process for all participants.
Eligibility Criteria
To ensure that the scheme benefits the right individuals, the Punjab Government has established the following criteria:
- Permanent Residency: Applicants must be residents of Punjab.
- Land Ownership: Applicants must own 5 Marla land in urban areas or 10 Marla land in rural areas.
- No Previous Loans: Candidates must not have availed loans from any government or private institution.
Meeting these requirements is essential to qualify for the program.
How to Apply for the Loan Through ACAG Online Portal
To register for the Apni Chhat Apna Ghar Scheme Phase 3, follow these simple steps:
- Visit the Official Website: Go to the official portal of the scheme at http://acag.punjab.gov.pk
- Click on the Registration Button: click the Registration button to begin the application process.
- Fill in Your Personal Information: Enter your full name, father or husband’s name, CNIC number, registered phone number, and monthly income details.
- Provide Your Address: Enter your complete home address accurately.
- Upload Required Documents:
- Upload a clear photo of your land documents.
- Upload the front and back photos of your CNIC.
- Provide two photos of your father’s or husband’s CNIC front and back
- Submit Your Application:
After completing all the required fields and uploading the necessary documents, click the Submit” button. Your application will then be received for further processing. - Loan Approval Call: Once your application is reviewed, you will receive a call for loan approval.
- Draw-Based Selection: If the number of applications exceeds the limit, eligible candidates will be selected through a transparent draw. You will be notified if your name is included in the list of successful applicants.:
What to do after registration
Once the application is submitted, eligible candidates will be informed of their status. If the number of applications exceeds 100,000, the government will conduct a transparent lottery system to ensure fairness. Successful applicants will then receive their interest-free loans on a scheduled date.
How will people benefit from the scheme?
The Apni Chhat Apna Ghar Scheme Phase 3 is more than just a financial aid program it is a beacon of hope for countless families. Here’s how it makes a difference:
- Reduces Homelessness: Provides housing solutions for low-income families.
- Empowers Communities: Enables citizens to take charge of their futures.
- Promotes Financial Inclusion: Ensures affordable housing for all.
By focusing on inclusivity and simplicity, the scheme creates opportunities for a better and more secure Punjab.
How To Submit a Successful Application For Loan Important Details
To enhance your chances of success, keep the following tips in mind:
- Double-check all required documents for accuracy and validity.
- Ensure you meet the eligibility criteria before starting the application.
- Avoid errors in the application form to prevent delays or rejections.
- Apply as early as possible to avoid last-minute issues.
Also Read: How to Receive Benazir Kafaalat Payment 13500 in 2025 – Simple and Updated Guide
Frequently Asked Questions
What is the maximum loan amount I can receive?
You can receive up to Rs 1.5 million as an interest-free loan.
How can I check my application status?
You will be notified via SMS or email, and updates will also be available on the ACAG portal.
Is there a registration fee for the scheme?
No, the registration process is entirely free of cost.
What happens if I fail to repay the loan?
The government will provide assistance, but repayment is encouraged for the scheme’s sustainability.
Can applicants with leased land apply?
No only individuals with clear property ownership are eligible.
Conclusion
The Apni Chhat Apna Ghar Scheme Phase 3 is a groundbreaking opportunity for Punjab’s homeless and low-income families to secure a brighter future. By offering interest-free loans with affordable repayment plans, the Punjab Government has taken a significant step towards solving the housing crisis.
If you meet the eligibility criteria, don’t delay visit http://acag.punjab.gov.pk today and register for this life-changing initiative. Together, let’s build a Punjab where every family has a roof over their head and hope in their hearts.
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