acag.punjab.gov.pk | CM Punjab Apni Chat Apna Ghar Program September 2025 Update
The Government of Punjab has re-launched the Apni Chat Apna Ghar Program in September 2025. This scheme was started by Chief Minister Maryam Nawaz Sharif. Its main goal is to help low-income families build or own houses in Punjab.
The program aims to provide 100,000 affordable houses in different parts of the province over the next few years. This includes both rural and urban areas. It is a big opportunity for people who live in rented houses or poor areas.
The good news is that the registration is now open again. If you did not apply before, this is the right time to do it. You can also get Prime Minister Electric Bike and Rickshaw.
About the ACAG Program | acag.punjab.gov.pk
This housing project is managed by the Punjab Housing and Town Planning Agency (PHATA). It is supervised by the Housing, Urban Development and Public Health Engineering Department (HUD&PHED).
There are three types of models in this program:
Model 1: Houses on Government Land
- The government gives land to private developers.
- Developers build houses and roads on this land.
- No subsidy is given to the developers.
- PHATA decides the house price and design.
- All work is done under PHATA’s planning rules.
Model 2: Houses in Private Housing Schemes
- Developers reserve 20% land for low-cost housing in private schemes.
- The government gives a Rs. 10 lakh subsidy per house.
- Applicants pay a down payment, then pay in monthly installments.
- PHATA checks all construction work.
- Payment goes through an escrow account for safety.
Model 3: Interest-Free Loans
- This is for people who already own land.
- They get interest-free loans up to Rs. 15 lakh to build a house.
- Loans are paid back over 7 years in monthly payments.
- The government also pays sales tax and admin fees.
- The money is given in tranches as the house is built.
Who Can Apply?
To apply, you must meet the eligibility criteria:
- Punjab Resident
You or a family member must be a permanent resident of Punjab, shown by CNIC. - Land Ownership
You must own land in your name:- Up to 5 Marla in urban areas
- Up to 10 Marla in rural areas
- No Criminal Record
You must not be involved in any serious or anti-state crimes. - No Loan Default
You must not have defaulted on any bank loan.
This ensures that only the deserving people benefit from the program.
September 2025 Update
In this new update, registrations are open again. You can now apply online through the official website. If you missed earlier chances, you can now fill out your form and join the program.
Everything is done online, so there is no need to visit any office. The government wants to make the process easy, clear and fast.
How to Apply at acag.punjab.gov.pk portal Step-by-Step
Here is how to register on the official portal:
Website: www.acag.punjab.gov.pk
Step 1: Open the Website
Go to the official site on your computer or phone.
Step 2: Start the Form
Click on “Register.” A form will open.
Step 3: Fill Your Personal Details
- Full Name
- Choose: Son of, Daughter of, or Wife of
- Father’s or Husband’s Name
- Your CNIC number
- CNIC of Father or Husband
- Gender
Step 4: Add Contact Details
- Choose your Mobile Network (e.g., Mobilink, Ufone)
- Enter your Mobile Number
Step 5: Add Location Info
- Select Division
- Select District
- Select Tehsil
- Type City Name
Step 6: Set Password
- Choose a Password
- Confirm the same Password
Step 7: Submit the Form
Click on the green Register button. You will get a confirmation by email or SMS.
Once your account is made, you can apply for a house or loan through the system.
Frequently Asked Questions (FAQs)
Q1: Who can apply for this program?
Anyone who meets the eligibility conditions and is a Punjab resident with land.
Q2: Is registration open right now?
Yes. The September 2025 update has opened registration again.
Q3: What if I don’t have land?
You can still apply under Model 1 or Model 2 where housing is provided on government or developer land.
Q4: Can women apply?
Yes. Women who fulfill the criteria can apply.
Q5: How much loan can I get?
You can get a loan of up to Rs. 15 lakh, interest-free.
Q6: How do I repay the loan?
You repay it in monthly installments over 7 years.
Q7: Will I get free house?
No. This is not a free housing scheme. You must pay a down payment and monthly payments or repay the loan.
Q8: What is the down payment?
The down payment depends on the type of house. PHATA decides the amount.
Q9: How is the subsidy paid?
In Model 2, the government pays Rs. 10 lakh to the developer after your payment and paperwork.
Q10: Is the whole process online?
Yes. You do not need to go to any office. All steps are completed through the portal.
Benefits of the Program
- Helps low-income families build their own home.
- Reduces problems caused by living in rented or broken homes.
- Gives access to water, sanitation and electricity.
- Encourages jobs in the housing and construction sector.
- Loans are interest-free and easy to repay.
- Application process is simple and online.
- Reduces slum areas and improves community safety.
Final Words
The CM Punjab Apni Chat Apna Ghar Program is a big step toward helping poor and middle-class families in Punjab. It is not just a scheme. It is a way to give people hope, dignity and safety.
If you live in Punjab, own land, and want to build your house, now is your chance. The September 2025 update has reopened registration. Visit the portal today, fill the form, and begin your journey to owning a home.
