Apni Chhat Apna Ghar New Applications 2026

The Punjab government has approved inviting fresh applications under the Apni Chhat Apna Ghar housing scheme, at a special review meeting chaired by Chief Minister Maryam Nawaz Sharif on 3 November 2026. More than 1.7 million people have registered on the scheme’s portal. Over 225,000 loans have been disbursed. A total of 128,718 houses have been completed, and 62,600 more houses are nearing completion. The scheme has recovered 97.6 percent of loan installments, with Rs 22.29 billion recovered from beneficiaries so far.

What Is Apni Chhat Apna Ghar?

Apni Chhat Apna Ghar is a Punjab government housing scheme run by the Punjab Housing and Town Planning Agency (PHATA). It helps low- and middle-income families build a house on a plot they already own, with an interest-free loan repaid over 7 years in monthly installments. The loan is up to Rs 1.5 million for building a new house. The scheme covers all 36 districts of Punjab. The whole application process is free and fully digital, through the official portal at acag.punjab.gov.pk. The toll-free helpline is 0800-09100.

What the 3 November Meeting Decided

At the meeting in Lahore, the Chief Minister directed the authorities to ensure timely completion of targets. The scheme had received an overwhelming public response and recognition from international institutions. The most important decision for new applicants was the approval to invite fresh applications. No date, schedule or last date has been announced, so do not believe any date circulating on social media. Check the official portal at acag.punjab.gov.pk for the announcement.

Progress So Far

The progress figures given at the meeting are the latest official numbers for Apni Chhat Apna Ghar. More than 1.7 million people have registered, over 225,000 loans have been disbursed, 128,718 houses are complete, 62,600 are nearing completion, and 171,597 beneficiaries have received the second installment, paid as construction moves forward. The recovery rate is 97.6 percent, with Rs 22.29 billion recovered. The Punjab Cabinet had already approved Rs 60 billion on 19 October 2026 for 40,000 more loans through the Bank of Punjab, which supports the fresh applications now being invited.

Who Can Apply for Apni Chhat Apna Ghar?

The portal lists the full eligibility conditions, and applicants should read them before applying. In general, the applicant must be a permanent resident of Punjab with a valid CNIC. The applicant, or a family member, must be the sole owner of a plot measuring 5 marla or less in urban areas, or up to 10 marla in rural areas, anywhere in Punjab. Preference is given to families with a low monthly income. The exact limits and the full eligibility table are on the official portal and can change, so check the portal’s eligibility page on the day you apply.

How to Apply for Apni Chhat Apna Ghar Online

Apply only through the official portal at acag.punjab.gov.pk. Registration is free. No agent is needed, and no fee is charged at any stage. Open the portal and create a citizen account with your CNIC and a mobile number in your own name. You will receive a one-time code by SMS. Then log in, choose the loan category for building a new house, fill in your personal, family and plot details, and submit. Confirmation comes by SMS from 8070. Your name, CNIC and mobile number cannot be changed after registration, so enter them carefully. If you cannot apply online, visit the registration desk at your district Deputy Commissioner office or a PHATA facilitation desk.

Apni Chhat, Mehfooz Chhat

A related scheme, Apni Chhat, Mehfooz Chhat, was also reviewed. Its application process is complete: loans worth Rs 1.216 billion have gone to 3,055 applicants, and work on 532 houses is done. Do not confuse the two schemes. The fresh applications approved on 3 November 2026 are for Apni Chhat, Apna Ghar, so check the category on the portal before you apply.

Stay Safe From Fraud

The application is completely free. Anyone asking for a fee or money to guarantee approval for Apni Chhat Apna Ghar is committing fraud. The only official channels are acag.punjab.gov.pk, SMS from 8070 and helpline 0800-09100. Do not believe messages that promise a guaranteed plot or loan. Do not share your CNIC photo or portal password. If someone asks for money, report it to the helpline or your district PHATA office.

Frequently Asked Questions

Are fresh applications open for Apni Chhat Apna Ghar? Fresh applications were approved on 3 November 2026, but no date or schedule has been announced yet. Check acag.punjab.gov.pk for the announcement.

How much loan does the scheme give? Up to Rs 1.5 million, interest-free, repaid over 7 years in monthly installments.

How many houses have been completed so far? A total of 128,718 houses have been completed, and 62,600 more are nearing completion.

Who can apply? A permanent resident of Punjab with a valid CNIC who owns a plot of 5 marla or less in urban areas, or up to 10 marla in rural areas. Check the full eligibility list on the portal.

Where do I apply? Only on the official portal at acag.punjab.gov.pk, or in person at a Deputy Commissioner office or PHATA desk. The helpline is 0800-09100.

Conclusion

Apni Chhat Apna Ghar has passed 225,000 loans and 128,718 completed houses, and fresh applications are approved. The loan is interest-free up to Rs 1.5 million and the application is free. Wait for the announcement on acag.punjab.gov.pk and never pay anyone for approval. For other Punjab support, see the PM Youth Loan and the CM Punjab E-Bike Scheme.

Official source: acag.punjab.gov.pk

Disclaimer: This is not an official government website. Always confirm on the official portal.