CM Punjab Maryum Nawaz has launched the Apni Chat Apna Ggar Scheme for the Low-income persons of Punjab. You can apply For Loan up to 15 Lac rupees to build your own house, for the house loan apply at https://accaq.punjab.gov.pk.
The CM Punjab Apni Chhat Apna Ghar Scheme is a government initiative aimed at providing affordable housing to low-income families in Punjab, Pakistan. Under this scheme, eligible applicants can receive interest-free loans of up to 15 lakh rupees to construct their own homes. The repayment period is 7 years, with manageable monthly installments designed to be lower than typical rent payments.
Eligibility for Apna Ghar Scheme
To qualify for the Apna Ghar Scheme, applicants must meet the following criteria:
- Low-Income Household: Belong to a low-income group as per government-defined criteria.
- Land Ownership: Own a 5-marla plot in urban areas or a 10-marla plot in rural areas in Punjab.
- No Previous Home Ownership: Should not currently own or have previously owned a house.
- Residency Requirement: Must be a permanent resident of Punjab.
- Additional Factors: Family size, economic background, and other socio-economic conditions may also be considered.
How to Apply for CM Punjab Apni Chhat Apna Ghar Scheme Online
Applying for the CM Punjab Apni Chhat Apna Ghar Scheme is straightforward. Follow these steps to complete your application:
- Online Registration: Visit the official PITB (Punjab Information Technology Board) portal and register with your details.
- Fill Out Application Form: Complete the form with accurate personal, financial, and land ownership details.
- Submit Required Documents: Upload documents such as income proof, CNIC copy, land ownership records, and residency certificates.
- Verification Process: Government authorities will verify your application and conduct background checks.
- Loan Approval & Disbursement: If eligible, you will receive confirmation of loan approval and further guidance on house construction.
Interest-Free loan amount | Up to 15,00,000 |
Monthly Installment | 14,000 |
Eligibility | Resident of Punjab |
Plat for Twon resident | 1-5 Marla |
Plat For viilege resident | 1-10 Marla |
Online Apply Portal | https://accag.punjab.gov.pk |
Helpline Number | 0800-09100 |
Duration of Loan Return | 9 Years |
Checking CM Punjab Apni Chhat Apna Ghar Scheme Status
Applicants can check their status on the PITB portal using their CNIC number. For further assistance, visit the DC or Commissioner’s office in your area.
Scheme Benefits – What Makes It Unique?
The Apni Chhat Apna Ghar Scheme offers multiple benefits for low-income families:
- Affordable Housing Units: Subsidized homes at minimal costs.
- Easy Installments: Small monthly repayments lower than market rent.
- Interest-Free Loans: No additional financial burden.
- Priority Allocation: Those who qualify get priority in government-built housing units.
Key Announcements by CM Punjab Maryam Nawaz
Chief Minister Maryam Nawaz Sharif has outlined additional measures to support Punjab residents:
- Model House Construction: A prototype house will be built in 6 weeks.
- Healthcare Initiatives: Free emergency medicines in government hospitals, better screening services, and new state-of-the-art hospitals.
- Youth Empowerment: Interest-free loans, youth training programs, and IT startup support.
- Transport & Education Support: Electric bikes for youth, educational scholarships in top foreign universities.
How to Increase Your Chances of Approval
Follow these tips to enhance your application success:
- Ensure accurate document submission with no missing details.
- Apply only if you meet the income and land ownership criteria.
- Stay updated on official announcements via PITB and government websites.
Conclusion
The CM Punjab Apni Chhat Apna Ghar Scheme is a game-changer for low-income families looking to own a house. With interest-free loans, easy installments, and priority housing, this initiative supports financial stability and social welfare.
To apply online and check your application status, visit the official PITB website today!

Fahad Munir is a seasoned journalist and editor at Awam PK, specializing in sharing accurate and timely news, job updates, and educational information to the Pakistani audience.