The Apni Chhat Apna Ghar Scheme 2026, also known as the CM Maryam Nawaz Housing Loan, is a flagship initiative of the Punjab Government led by Chief Minister Maryam Nawaz. The program aims to provide affordable, secure, and dignified housing to low-income families across Punjab through interest-free loans, subsidies, and public–private partnerships.
Under the Apni Chhat Apna Ghar Scheme 2026, eligible applicants can apply online, track their application status, and check results via the official ACAG portal at acag.punjab.gov.pk, making home ownership more accessible and affordable throughout Punjab.
Apni Chat Apna Ghar Scheme 2026 CM Maryam Nawaz Housing Loan
Apni Chat Apna Ghar Scheme 2026, launched under the leadership of CM Maryam Nawaz, is a flagship Punjab Government housing initiative that provides interest-free housing loans to low-income families for building their own homes.
CM Maryam Nawaz Housing Loan 2026 Last Date
The scheme supports owners of up to 5 Marla plots in urban areas and up to 10 Marla plots in rural areas, with transparent balloting, district-wise quotas, and easy online application.
مزید معلومات کے لیے یا مفت آن لائن درخواست دینے کے لیے ہمارے واٹس ایپ چینل میں شامل ہوں۔ لنک پر کلک کریں اور چینل جوائن کریں
acag.punjab.gov.pk Apply Online
| Feature | Details |
|---|---|
| Scheme Name | Apni Chhat Apna Ghar Scheme 2026 |
| Launched By | CM Maryam Nawaz (Punjab Government) |
| Purpose | Interest-free housing loans for low-income families |
| Loan Type | 100% Interest-Free Housing Loan |
| Plot Eligibility | Urban: up to 5 Marla • Rural: up to 10 Marla |
| Application Start | January 2026 |
| Last Date to Apply | 15 February 2026 |
| Early Repayment Rebate | 1–3 years: 20% • 4–6 years: 10% |
| Selection Method | Transparent Balloting (District-wise quota) |
| Total Units / Loans | 17,500 |
| Eligibility | Punjab domicile, land owner, non-defaulter |
| PMT Score | Used to prioritize deserving families |
| Official Portal | acag.punjab.gov.pk |
🏠 A flagship housing initiative ensuring affordable, dignified, and secure homes for families across Punjab.
Apni Chat Apna Ghar Apply Online
The Apni Chhat Apna Ghar Scheme 2026, launched by Chief Minister Maryam Nawaz, began in January 2026 to offer interest-free housing loans to eligible families across Punjab. The deadline to apply is 15 February 2026, and applications can be submitted online through the official portal.
Apni Chat Apna Ghar Scheme 2026 Apply Online Last Date
“Home ownership is not just about walls and roofs; it is about dreams, security, and a brighter future.”
This program reflects the Punjab Government’s commitment to uplift laborers, teachers, daily wage earners, and small business owners by ensuring they have a safe place to call home.
The scheme promotes:
- Affordable housing for low-income families
- Dignified living and community development
- Financial inclusion through interest-free loans
Apply Online ACAG Registration Form
Early Payment Rebate (Pre-Payment Facility) Apni Chat Apna Ghar Scheme
Borrowers who opt for full and final early repayment of their outstanding loan amount can benefit from the following rebates on the remaining principal:
| Repayment Period | Rebate on Outstanding Principal |
|---|---|
| 1 to 3 Years | ✅ 20% Rebate |
| 4 to 6 Years | ✅ 10% Rebate |
This incentive encourages responsible repayment and reduces the financial burden on beneficiaries.
Key Housing Models Under the Scheme
The Apni Chat Apna Ghar Program offers multiple housing solutions, including:
- Interest-free loans for:
- Up to 5 Marla plots (Urban areas)
- Up to 10 Marla plots (Rural areas)
- Equity-based land-sharing on state land in major cities
- Subsidized housing units in approved private housing schemes
- Collaboration with developers, banks, and financial institutions
Eligibility Criteria (Who Can Apply?)
Applicants must meet the following conditions:
- Applicant or family member must be a permanent resident of Punjab (as per CNIC).
- Applicant must be the sole owner of:
- Up to 5 Marla land in urban areas, or
- Up to 10 Marla land in rural areas (at the time of application).
- Applicant must have no criminal record, including anti-state or heinous crimes.
- Applicant must not be a loan defaulter of any bank or financial institution.
District-Wise Loan Quota (PHATA Regions)
Loans are distributed fairly across Punjab under PHATA regional quotas, covering Central, North, South, Faisalabad, Lahore, Rawalpindi, Multan, and Bahawalpur zones.
- Total Housing Units / Loans: 17,500
- Allocation is based on district population and housing needs
- Balloting is conducted transparently
Apni Chat Apna Ghar Balloting & Result
- Apni Chat Apna Ghar Balloting Result is announced officially after verification.
- Selected applicants are informed via SMS and portal updates.
- Results and lists can be checked online.
How to Apply Online Apna Ghar Scheme?
Step-by-Step
- Visit acag.punjab.gov.pk
- Click on Apni Chat Apna Ghar Scheme Apply Online
- Create an account / Login
- Fill in personal, CNIC, and land details
- Submit the application
- Check application status online
Apni Chat Apna Ghar Login & Status Check
Applicants can:
- Log in to their account
- Track application status
- View PMT Score
- Check balloting results
- Download Apni Chat Apna Ghar List 2026 PDF
PMT Score (Poverty Measurement Tool)
The PMT Score is used to assess financial eligibility and ensure that housing support reaches truly deserving families. Lower PMT scores are given priority.
CM House Loan Scheme 2026
The Apni Chhat Apna Ghar Loan Scheme 2026 under the leadership of CM Maryam Nawaz is a landmark initiative toward ensuring housing for all in Punjab. Through interest-free loans, subsidies, and transparent distribution, the scheme enables low-income families to build not only homes but also secure futures and strong communities.
