Apni Chhat Apna Ghar Scheme Eligibility
Apni Chhat Apna Ghar Scheme Eligibility: The Apni Chhat Apna Ghar Program is a major housing program launched by the Government of Punjab under the leadership of the Chief Minister. This scheme is designed to provide 100,000 affordable houses and apartments to eligible residents across the province, with a focus on low-income families who currently live in rented accommodations or informal settlements. It aims to improve the quality of life for thousands of families by providing them with the opportunity to own their homes.
The initiative is managed by the Punjab Housing & Town Planning Agency. By combining administrative support and technical execution, the program ensures transparency and efficiency in providing housing to deserving citizens. With three execution models planned over the next four and a half years, the ACAG program is expected to have a positive social and economic impact on Punjab’s urban and rural communities.
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Eligibility Criteria for ACAG Scheme
To qualify for the Apni Chhat Apna Ghar scheme and apply for a 15 lakh PKR loan, applicants must meet specific eligibility requirements. These conditions ensure that only deserving families receive financial assistance and housing support. The eligibility criteria are as follows:
- The applicant or any family member must be a permanent resident of Punjab
- Applicant must be verified through a valid CNIC.
- The applicant should be the sole owner of a parcel of land. For urban areas, the land should not exceed 5 Marla, and for rural areas, it should not exceed 10 Marla. This land will be used for building the house.
- Applicants must not have any criminal convictions for anti-state, anti-social, or heinous crimes.
- Applicants should not be a defaulter of any financial institution or bank, ensuring responsible borrowing and repayment behavior.
These eligibility requirements are intended to prioritize low-income residents who genuinely need support while promoting responsible financial management. Ensuring all criteria are met before applying increases the likelihood of approval for the housing loan.
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Expected Outcomes of ACAG Program:
The ACAG program is designed to address the housing shortage in Punjab by providing low-cost housing solutions to families across the province. The scheme will deliver 100,000 houses within four and a half years through three execution models, catering to both urban and rural populations.
- Improved living conditions for low-income families.
- Reduction in slum settlements and overcrowding.
- Increased access to basic amenities like water, electricity, and sanitation.
- Enhanced community safety and security.
- Creation of opportunities for economic empowerment through home ownership.
The program also emphasizes social impact by allowing families to live in safe and organized communities, strengthening social bonds and creating a sense of stability for residents.
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Required Information and Documents for Application
Applicants need to provide accurate personal information and valid documents to successfully apply for the ACAG scheme. The documents required for the application include:
- Full name as registered with NADRA.
- CNIC number of the applicant.
- CNIC number of the head of the family (husband, wife, or parents, depending on the applicant).
- Contact information, including phone number and email address.
- Gender of the applicant.
- Current address, including division, district, and city.
- Property ownership documents to verify land size and ownership.
- User password for the online portal if the applicant already has an account; otherwise, create a new password.
- Spouse or parent information:
- If the applicant is a husband, provide wife’s details: full name, CNIC number, mobile number, job title, and income.
- If the applicant is a woman, provide husband’s details in the same format.
- If unmarried, provide parents’ details as required.
Providing correct information ensures that the application proceeds smoothly and prevents disqualification during verification. Applicants should gather all necessary documents before starting the registration process.
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Step-by-Step Online Registration Process
The Punjab Government has made it possible to apply for ACAG online, providing a convenient way for residents to submit applications from home. Follow these steps to complete the registration:
Step 1: First Form Submission Process
- Open the official ACAG portal: https://acag.punjab.gov.pk
- Click on the “Register Now” button on the top-right corner.
- Enter your full name as per CNIC.
- Enter your CNIC in the format with dashes
- Select relation one: Son of / Daughter of / Wife of.
- Enter the full name of your father or husband.
- Enter CNIC number of father or husband.
- Select Male or Female.
- Enter a valid email address.
- Select the company of the SIIM
- Enter your phone number
- Select your administrative division.
- Select your district.
- Select your tehsil.
- Enter the name of your city.
- Create a secure password.
- Re-enter the password to confirm.
After filling the form, click on the submit button.
Step 2: Login Process
- After registration, go to the login page on the ACAG portal.
- Enter your CNIC number.
- Enter the captcha code displayed on the screen.
- Click Login to access the detailed application form for further steps.
Step 3: Fill Out the First Form
The first form requires basic details such as name, CNIC, contact information, and property details. After completing the form, click the Register button. Once registered, log in using your CNIC number and captcha code.
Step 4: Complete the Detailed Application Form
After logging in, a new form will open. Enter the following details accurately:
- Personal information (already entered, verify correctness).
- Income and source of income.
- If married, provide spouse details: name, CNIC, mobile number, job title, and income.
- If a woman applicant, enter husband’s details instead.
- Current residential address.
- Permanent address.
- Upload a recent photograph.
Once completed, click the Submit button to proceed to the next stage.
Step 4: Document Upload Form
The next form is for uploading official documents. Ensure the following are uploaded:
- Front and back of CNIC.
- Land ownership papers.
- Upload a recent photograph.
After uploading, click Submit to move to the final verification form.
Step 5: Final Verification and Confirmation
The last form displays all the information entered in previous steps. Carefully review all details and correct any mistakes immediately. Once verified, click the Confirm button to finalize your application.
By following this structured registration process, applicants can ensure their application is complete and meets all requirements.
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Alternative Application Methods
For applicants unable to access the online portal, Punjab Government provides alternative methods for registration:
- Call At Helpline Number: Call 0800-09100 to provide your information over the phone. A government representative will fill the application on your behalf.
- Physical Application Centers: Visit the nearest Ac office or bank of Punjab to submit your details and documents. Officials will assist you in completing the application form.
These alternatives ensure that residents without internet access can still participate in the ACAG program.
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Important Note For Successful Application
- Double-Check Documents: Ensure all CNIC and land ownership papers are valid and up-to-date.
- Provide Accurate Income Information: Misrepresentation may lead to disqualification.
- Upload Clear Photos: Use a clear, recent photograph for your application.
- Review All Details: Verify information in the final form before confirmation.
- Keep Contact Information Updated: Ensure your phone number and email are active for communication regarding your application status.
By following these tips, applicants can improve their chances of approval and avoid delays.
Conclusion
The Apni Chhat Apna Ghar Scheme is a significant step by the Punjab Government to provide affordable housing to low-income families across the province. By carefully reviewing eligibility criteria, gathering the necessary documents, and following the step-by-step registration process, residents can successfully apply for the 15 lakh PKR loan to build their dream home.
The program not only addresses housing needs but also improves living standards, strengthens social cohesion, and enhances access to essential amenities for thousands of families in Punjab. Whether applying online, via phone, or through a physical center, eligible residents have multiple ways to participate and secure their place in this transformative housing initiative.
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FAQs
Who can apply for the Apni Chhat Apna Ghar scheme?
Permanent residents of Punjab with ownership of a small plot of land and no criminal record
What is the maximum land size allowed for applicants?
Urban applicants can have up to 5 Marla, while rural applicants can have up to 10 Marla
What documents are required for the ACAG application?
CNIC of applicant and spouse/parents, property papers, recent photograph, and contact details.
How can someone apply if they don’t have internet access?
They can call the toll-free number 0800-09100 or visit the nearest ACAG office or bank.
What should applicants do before final submission of the application?
Review all entered information carefully, correct any mistakes, and confirm before submission.