Breaking: Apni Chhat Apna Ghar Scheme 2026 – Complete Guide to 15 Lakh Interest-Free Loan in Punjab

The Apni Chhat Apna Ghar Scheme 2026 is a major Punjab Government Housing Scheme launched under Chief Minister Maryam Nawaz Sharif to support low-income and middle-class families. Under this 15 Lakh Interest-Free Loan Program, eligible citizens can receive Rs. 1.5 million without any markup or bank interest to build their own homes. Due to rising property prices and high rent in Punjab, the Apni Chhat Apna Ghar Loan Scheme has become one of the most searched government relief programs in 2026. This initiative focuses on families who already own small plots but cannot afford construction costs.

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Apni Chhat Apna Ghar 15 Lakh Loan – Key Features and Financial Details

The Apni Chhat Apna Ghar 15 Lakh Loan Scheme provides simple repayment terms and zero-interest financing. Below are the most important financial details of the Punjab Interest-Free Housing Loan 2026:

Feature	Details
Loan Amount	Rs. 15 Lakh
Interest Rate	0% (Completely Interest-Free)
Repayment Duration	7 Years (84 Months)
Monthly Installment	Approx. Rs. 14,000
Grace Period	3 Months No Payment
Urban Plot Limit	Up to 5 Marla
Rural Plot Limit	Up to 10 Marla
Official Portal	https://acag.punjab.gov.pk

This Apni Chhat Apna Ghar Loan 2026 ensures applicants only repay the original loan amount. The easy installment plan makes the Punjab 15 Lakh Housing Scheme affordable for working families.

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Eligibility Criteria for Apni Chhat Apna Ghar Scheme 2026

To qualify for the Apni Chhat Apna Ghar 15 Lakh Loan, applicants must follow clear eligibility rules defined by the Punjab Government. The eligibility criteria for the Punjab Housing Loan Scheme 2026 include:

• Must be a permanent resident of Punjab
• Must be 18 years or older
• Must be married
• Must not already own a house
• Must own 5 Marla (urban) or 10 Marla (rural) land
• Must complete the PSER survey
• Must not be a bank defaulter
• Must not have a criminal record

The government has simplified the Apni Chhat Apna Ghar eligibility process by removing the PMT score requirement, making the scheme more accessible.

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Required Documents for Apni Chhat Apna Ghar Online Registration

Applicants applying for the Apni Chhat Apna Ghar Online Apply 2026 must prepare the required documents carefully. Proper documentation improves approval chances under the 15 Lakh Interest-Free Housing Loan Punjab.

• CNIC copy (front and back)
• Passport-size recent photograph
• Land ownership documents
• Active mobile number and email
• Family information details
• Utility bill (if required for verification)

Submitting complete documents ensures smooth verification in the Punjab Government Housing Scheme 2026.

Step-by-Step Process to Apply for Apni Chhat Apna Ghar 15 Lakh Loan

The Apni Chhat Apna Ghar Online Application Process is simple and transparent. Follow these steps to apply for the Punjab 15 Lakh Loan Scheme:

• Visit the official website: https://acag.punjab.gov.pk
• Click on “Register” or “Apply Now”
• Enter CNIC and mobile number
• Create login credentials
• Fill personal and property details
• Upload required documents
• Review all entered information
• Submit the application and save tracking ID

Applicants can track their Apni Chhat Apna Ghar application status online. Approved candidates receive confirmation through SMS.

Benefits of Apni Chhat Apna Ghar 15 Lakh Housing Scheme

The Apni Chhat Apna Ghar Scheme 2026 offers strong financial and social benefits. The key advantages of the Punjab Interest-Free Housing Loan include:

• Zero interest and no hidden charges
• Affordable installment of around Rs. 14,000
• 7-year repayment period
• 3-month grace period
• Transparent digital application system
• SMS tracking and verification
• Government-backed secure loan

For many families, the installment under the Apni Chhat Apna Ghar Loan Scheme is lower than monthly house rent, making home ownership achievable.

Latest Updates on Apni Chhat Apna Ghar Scheme 2026 Phase 2

The Punjab Government has introduced new updates in the Apni Chhat Apna Ghar Phase 2 Program to expand coverage. The latest updates in the 15 Lakh Housing Loan Scheme Punjab include:

• Joint family members can apply for house expansion
• Faster digital verification system
• More districts included in Phase 2
• Improved transparency measures
• Strong monitoring to prevent fraud

These updates strengthen the Apni Chhat Apna Ghar 2026 Housing Initiative and ensure fair distribution.

Apni Chhat Apna Ghar Loan Disbursement and Repayment Structure

Understanding the Apni Chhat Apna Ghar Loan Repayment Plan is important before applying. Below is a detailed breakdown of the 15 Lakh Interest-Free Loan Structure:

Loan Component	Description
Total Loan	Rs. 1,500,000
Installment Months	84 Months
Monthly Payment	Approx. Rs. 14,000
Grace Period	First 3 Months No Installment
Early Repayment	Allowed Without Penalty
Processing Fee	No Official Fee
Disbursement Mode	Bank Transfer / Official Channel
Verification Method	Digital & Field Verification

This repayment structure makes the Punjab 15 Lakh Housing Loan 2026 manageable for low-income families.

Helpline and Official Contact Information

For official support regarding the Apni Chhat Apna Ghar Loan 2026, applicants should contact government sources only.

Helpline Number: 0800-09100
Official Website: https://acag.punjab.gov.pk
Application Support: Deputy Commissioner Offices

Citizens are advised to avoid agents and trust only official platforms for the Punjab Government Housing Loan Scheme.

Conclusion

The Apni Chhat Apna Ghar Scheme 2026 is a powerful initiative aimed at solving housing problems in Punjab. With a 15 Lakh Interest-Free Loan, easy monthly installments, transparent online registration, and expanded Phase 2 coverage, the scheme offers real relief to deserving families. By meeting eligibility requirements and completing the correct application process, citizens can turn their dream of owning a house into reality under the Punjab Housing Loan Program 2026.