The CM Punjab Apni Chhat Apna Ghar Scheme returns with Phase 2 in 2025, offering renewed possibilities for low-income families who aspire to own a home. Initiated by Chief Minister Maryam Nawaz Sharif, this program seeks to deliver affordable housing to the less privileged individuals in Punjab.
With latest updates, broadened eligibility, and simplified applications, Phase 2 promises even greater accessibility. Here’s all the information you need, from recent modifications to a detailed registration process.
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Quick Summary Table
| Feature | Details |
|---|---|
| Scheme Name | Apni Chhat Apna Ghar Scheme 2025 (Phase 2) |
| Launched By | Punjab Government (Chief Minister Maryam Nawaz Sharif) |
| Target Beneficiaries | Low-income families, daily wage workers, and homeless individuals |
| Subsidy Offered | Up to PKR 1.5 million per family |
| Official Website | acag.punjab.gov.pk. |
What’s New in Phase 2 (2025 Updates)
1. Expanded Eligibility Criteria
The Punjab government has enlarged the scope to accommodate more families:
- Monthly income limit increased from PKR 30,000 to PKR 40,000.
- Priority given to widows, disabled persons, and families affected by floods.
- Government employees with salaries under PKR 60,000 are now eligible to apply.
2. Increased Subsidy & Flexible Installment Plans
- Subsidy raised to PKR 1.5 million (from PKR 1 million).
- Flexible payment options (5–10 years) with low-interest rates (5%).
3. Digital Application Process
- Fully functional online portal to minimize paperwork.
- SMS notifications for application status updates.
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Required Documents (prepare before applying)
- CNIC (original & copy)
- Proof of income (salary slip/undertaking)
- Land ownership documents (fard/registry; site location)
- Latest utility bill (address verification)
- Family Registration Certificate (FRC)
- 2 passport-size photos
- If applicable: death certificate (widow), disability certificate, divorce certificate (for divorced women)
(Document requirements may differ based on individual circumstances; the portal/instructions will specify what’s necessary.)
Who Can Apply? (Eligibility)
To be eligible for the Apni Chhat Apna Ghar Scheme 2025 Phase 2, applicants must:
✅ Be a Punjab resident (CNIC verification required).
✅ Have a monthly income below PKR 40,000.
✅ Not own a house in any major city.
✅ Priority groups include:
- Widows & orphans
- Individuals with disabilities
- Families impacted by natural disasters
How to Apply? (Step-by-Step Guide)
Step 1: Check Eligibility
Visit the acag.punjab.gov.pk. or your nearest District Housing Office for pre-screening.
Step 2: Submit Documents
Gather the following:
- CNIC copies (applicant + spouse)
- Income proof (salary slip, affidavit if self-employed)
- Utility bills (proof of residence)
Step 3: Apply Online/Offline
- Online: Complete the form on the Punjab Housing Portal.
- Offline: Submit all documents at designated Bank of Punjab branches.
Step 4: Wait for Approval
Successful applicants will receive an SMS confirmation within 4–6 weeks.
Benefits of the Scheme
🔥 Affordable Ownership: Budget-friendly housing with long-term installment plans.
🔥 Subsidy Support: Up to PKR 1.5 million in financial assistance.
🔥 Transparent Process: Direct government allocation, eliminating middlemen.
Challenges & Public Feedback
While the scheme has received high praise, some issues persist:
⚠ Delays in allotment stemming from high demand.
⚠ Limited housing units in urban settings (with greater focus on rural housing).
Nevertheless, the Punjab government has promised quicker processing in Phase 2.
FAQs CM Punjab Apni Chhat Apna Ghar Scheme
1. When will Phase 2 registrations close?
The expected deadline is in October 2025, but please check the official portal for updates.
2. Can I apply if I already own a small plot?
Yes, as long as you do not have a constructed house.
3. Is there an application fee?
No, the process is completely free—be cautious of fraudsters asking for payment.
4. How are beneficiaries selected?
Beneficiaries are chosen through a computerized ballot system to ensure fairness.
Final Thoughts
The Apni Chhat Apna Ghar (ACAG) 2025 Phase 2 program enables homeownership through Rs 15 lakh interest-free financing, milestone-based payments, and extended tenures that align with tight budgets. Phase 2 is a transformational initiative for low-income families. With higher subsidies, simplified applications, and prioritization for vulnerable groups, this is a golden chance to secure a home.
Don’t hesitate—apply now and make your dream of homeownership a reality!