Documents Required for Apna Ghar Scheme: 2026 Checklist
Submitting a complete, verified set of documents is the single most important factor determining whether your housing loan is approved within weeks or delayed for months. To help you organize your file seamlessly, we have categorized every required document by applicant type and loan purpose.
1. Standard Identification Documents (Mandatory for All)
- Computerized National Identity Card (CNIC / SNIC): 2 legible photocopies and high-resolution scanned digital copies (front and back). Must be valid and not expired.
- Passport-Sized Photographs: 4 recent passport-size color photographs of the applicant (and co-applicant, if applicable) with a clean white background.
- CNIC Copies of Next of Kin / Nominee: Photocopy of CNIC of your nominated heir or immediate family member.
- Proof of Current Residence: Paid utility bill (Electricity, Gas, or Water) of your current dwelling issued within the last 30 days.
2. Income Verification Documents
| Document Name | Salaried Applicants | Self-Employed / Business Persons |
|---|---|---|
| Salary Slips / Pay Slips | Last 3 months' official payslips signed/stamped by HR | Not applicable |
| Employment Certificate | Formal letter on company letterhead showing date of joining, designation & gross salary | Not applicable |
| Bank Statements | Last 6 months' salary bank statement bearing official bank seal | Last 12 months' business bank statement bearing official bank seal |
| Tax Documentation | Tax Deduction Certificate (Form 149) or FBR Active Taxpayer printout | FBR NTN Certificate + Last 2 years' verified Income Tax Returns & Wealth Statements |
| Proof of Business Existence | Not applicable | Business NTN, Partnership Deed, Sole Proprietorship letter, or SECP Incorporation certificate |
3. Property & Land Ownership Documents
For applicants seeking construction finance on a plot they already own:
- Fresh Fard-e-Malkiat (فرد ملکیت): Issued specifically for "Construction/Loan Purpose" (*Baraye Tameer-e-Makaan*) by the Punjab Land Records Authority (PLRA Arazi Record Center) or local revenue Patwari within the last 30 days.
- Aks-Shajra (عکس شجرہ): Official certified cadastral map showing exact plot boundaries, surrounding roads, and neighboring plot numbers.
- Registered Sale Deed / Allotment Letter: If located in a private housing scheme, housing society, or development authority (e.g., LDA, CDA, FDA, RDA), an original Allotment / Transfer letter and Non-Encumbrance Certificate (NEC).
- Approved Building Plan / Map: Approved architectural layout map passed by the local municipal committee, Tehsil Council, or development authority.
- Estimated Construction Cost Schedule: Cost estimate signed by an approved civil engineer or quantity surveyor detailing grey structure and finishing milestones.
4. Legal Undertakings & Affidavits
To complete your physical file, you must execute standard legal undertakings on government judicial stamp paper:
- Non-Ownership Affidavit (Rs. 100 Stamp Paper): Sworn declaration certified by an Oath Commissioner affirming that neither the applicant nor dependent family members own another residential house or flat in Pakistan.
- Truthfulness Undertaking: Declaration that all provided income statements, plot documents, and family trees are authentic and that any false statement will result in immediate loan cancellation and legal penal action under Pakistan Penal Code.
Digital Scanning Quality Advice
When uploading files to acag.punjab.gov.pk, ensure that all corners of documents are visible and scanned at 300 DPI in PDF or JPG format under 2MB. Blurry smartphone photos taken in dim light frequently trigger automated portal rejections.