The Apna Ghar Apni Chat Scheme has been launched under the leadership of Punjab Chief Minister Maryam Nawaz to offer affordable housing opportunities to residents of Punjab. This initiative, facilitated through online registration on the Apna Ghar Apni Chat (AGAC) web portal, aims to alleviate the financial burden of owning a home. To participate in this scheme, all applicants must first register via the PSER Survey.
In this article, we provide an in-depth look at the eligibility criteria, the district-wise loan distribution quota, and the application process for this housing scheme.
What Is the Apna Ghar Apni Chat Scheme?
The Apna Ghar Apni Chat Scheme is a government initiative designed to help residents of Punjab acquire homes with the support of affordable loans. The scheme aims to provide financial assistance through government-backed loans for the construction of residential properties.
Eligibility Criteria for Apna Ghar Apni Chat Scheme
To qualify for the Apna Ghar Apni Chat Scheme, applicants must meet specific eligibility requirements, which ensure the scheme reaches those who need it most. Below are the key criteria:
1. Family Head Status
The applicant must be registered as the head of their family in the NADRA (National Database and Registration Authority) system.
2. Permanent Residence in Punjab
The applicant must permanently reside in Punjab, as indicated by their CNIC (Computerized National Identity Card).
3. Sole Ownership of Land
At the time of submitting the application, the applicant must be the sole owner and possessor of a plot of land in Punjab. The land must be intended for residential construction.
4. Land Size Limits
- In urban areas, the plot size must not exceed 5 marlas.
- In rural areas, the plot size must be up to 10 marlas.
5. Clean Criminal Record
The applicant must not have a criminal record, including convictions for violent crimes, anti-state activities, or other serious offenses.
District Quota for Apna Ghar Apni Chat Scheme
The government has allocated a total of 17,500 loans for distribution under this scheme, divided across three zones in Punjab: North, South, and Central. Below is a breakdown of loan distribution by district within each zone.
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North Zone
| District | Number of Loans |
|---|---|
| Hafizabad | 302 |
| Lahore | 1,690 |
| Nankana Sahib | 314 |
| Narowal | 357 |
| Okara | 518 |
| Pakpattan | 401 |
| Sheikhupura | 512 |
| Sialkot | 570 |
| Total | 5,804 loans |
South Zone
| District | Number of Loans |
|---|---|
| Bahawalnagar | 454 |
| Bahawalpur | 517 |
| Rahim Yar Khan | 714 |
| Dera Ghazi Khan | 498 |
| Khanewal | 458 |
| Lodhran | 380 |
| Multan | 726 |
| Rajanpur | 368 |
| Sahiwal | 443 |
| Vehari | 517 |
| Total | 5,074 loans |
Central Zone
| District | Number of Loans |
|---|---|
| Khushab | 243 |
| Layyah | 366 |
| Mianwali | 307 |
| Muzaffargarh | 714 |
| Total | 1,913 loans |
Total Across All Zones
- 17,500 loans distributed across Punjab.
How to Apply for the Apna Ghar Apni Chat Scheme
The application process for the Apna Ghar Apni Chat Scheme is simple and fully online. Follow these steps to register:
Step 1: Visit the AGAC Web Portal
Go to the official website of the scheme: acag.punjab.gov.pk.
Step 2: Start the Registration Process
On the home page, click the “Register” button located in the top left corner.
Step 3: Fill Out the Application Form
A new form will appear where you need to enter your personal information, including your name, CNIC, and contact details.
Step 4: Submit the Application
Once you have filled in all the required fields accurately, click the “Register” button to submit your application.
Step 5: Confirmation
After submission, you will receive a confirmation message on your mobile phone, indicating that your application has been successfully registered.
Quick Details in Table
| Requirement | Details |
|---|---|
| Head of Family | Must be the head of the family (as per NADRA data) |
| Permanent Resident | Residing in Punjab (as per CNIC) |
| Land Ownership | Sole owner of land intended for residential use |
| Land Size (Urban) | Max 5 marlas |
| Land Size (Rural) | Max 10 marlas |
| Criminal Record | No serious offenses or anti-state activities |
Conclusion
The Apna Ghar Apni Chat Scheme is a promising initiative aimed at providing affordable housing to the residents of Punjab. By meeting the eligibility criteria and applying through the AGAC web portal, applicants can take advantage of this opportunity to secure housing loans. With a distribution quota of 17,500 loans across various districts, this scheme is a step toward making homeownership accessible for thousands of families in Punjab.
For more information or to apply, visit the AGAC web portal today!
