Apna Ghar Scheme 2026 – Apply Online for Rs 15 Lakh Interest-Free Loan
The Apna Ghar Scheme helps low-income families across Pakistan build a home of their own. Through the Punjab programme Apni Chhat Apna Ghar, families who own a small plot can get an interest-free loan of up to Rs 1,500,000 — repayable in easy instalments of about Rs 14,000 per month — while the federal Wazir-e-Azam Apna Ghar Program supports first-time home buyers through partner banks. This guide explains eligibility, documents, registration, instalments and application status checking, step by step.
✔ 100% interest-free • ✔ No application fee • ✔ First 3 months instalments waived • ✔ Verification by NADRA, PLRA & NSER
Wazir-e-Azam Apna Ghar Program Official Banner
This banner carries the official programme information: the largest and easiest financing scheme in the country's history for people who want a low-cost house or flat — financing of up to Rs 1 crore for buying or building your home, at a subsidised rate of only 5%, has now been launched.
Financing of up to one crore rupees can be obtained in easy instalments for building or buying a house of up to 10 marla (2,720 sq ft), or for buying an apartment of up to 1,500 sq ft.
Repayment is spread over 20 years, and for the first ten years only a fixed 5% subsidised rental/markup rate applies — significantly lower than ordinary bank loans.
Applications can be submitted on the online portal, or at any branch of any commercial, Islamic or microfinance bank or HBFC across the country. Only people who do not already own a house or flat in their name are eligible.
Quick Links Everything in One Place
Most visitors come for one of these six tasks. Pick yours and follow the short guide — every application action itself happens only on the official government portal.
Register free on the official portal with your CNIC and mobile number — full step-by-step guide here.
Registration guide →Punjab resident, plot up to 5 marla (urban) or 10 marla (rural), NSER PMT score 60 or less.
Check criteria →Log in to your portal dashboard to see verification stage, comments and the next step.
Status check guide →CNIC, plot fard/registry, photograph and NSER details — keep scanned copies ready.
Documents list →No plot at all? Apni Zameen Apna Ghar allots free 3 marla plots in 19 districts.
Free plot guide →Rs 5, 10 and 15 lakh loan tiers explained with monthly instalment and tenure.
View loan tiers →What Is the Apna Ghar Scheme?
Launched on 21 August 2024 by Chief Minister Maryam Nawaz Sharif and executed by the Punjab Housing and Town Planning Agency (PHATA), Apni Chhat Apna Ghar — widely searched as the Apna Ghar Scheme — was created for a simple problem: thousands of families in Punjab own a small plot, yet rising construction costs keep them in rented or unfinished houses for years.
Instead of a commercial bank loan with heavy markup, the programme gives a 100% interest-free loan that is released in construction stages (tranches) as your house progresses. The instalment — around Rs 14,000 a month for the full loan — is deliberately kept close to what a family already pays as monthly rent, so owning a home costs no more than renting one. In 2026 the programme was also expanded so joint families can apply to add rooms or a storey on a shared family plot.
Two related programmes are often confused with it, and this guide covers all three honestly: Apni Zameen Apna Ghar (free 3 marla plot if you own nothing) and the federal Apna Ghar housing finance available through banks across Pakistan. The comparison table below keeps them separate so you apply to the right one.
Loan Amount, Instalment & Tenure
Borrow only what your construction stage needs. All three tiers are interest-free, repaid over 7 years, and the first 3 months of instalments are waived.
| Loan Tier | Best For | Monthly Instalment | Tenure |
|---|---|---|---|
| Rs 500,000 | Washroom construction, roof repair, small additions | Lower instalment* | 7 years |
| Rs 1,000,000 | Upper portion / additional storey on an existing house | Medium instalment* | 7 years |
| Rs 1,500,000 | Complete new construction, major repair or extension on your own plot | Rs 14,000 (official) | 7 years |
*Exact instalment for the Rs 5 lakh and Rs 10 lakh tiers is shown on your approval letter and portal dashboard. The loan is disbursed in stages linked to construction progress, not as a single lump sum — this protects your family and the programme from misuse.
Eligibility Checker — 30 Seconds
Answer 4 quick questions for an instant indication. This is a guide only — final eligibility is decided by PHATA after NADRA, PLRA and NSER verification on the official portal.
1. Are you a permanent resident of Punjab (as per CNIC)?
2. Do you own a plot of up to 5 marla (urban) or 10 marla (rural)?
3. Is your household NSER / PMT score 60 or less (low income)?
4. Are you free of bank loan default and any criminal record?
Eligibility Criteria — Who Can Apply?
Your application is verified against NADRA family data, Punjab Land Records Authority (PLRA) plot records and your NSER poverty score, so every point below must be true on record — not just in your form.
- You are a permanent resident of Punjab, verified through your CNIC address.
- You are the head of your family according to NADRA records.
- You own a plot of 1–5 marla in an urban area or 1–10 marla in a rural area.
- Your household is registered in NSER with a PMT score of 60 or less.
- Your monthly household income is roughly Rs 60,000 or less.
- You live in a joint family and need to add rooms/storey on the shared plot (new for 2026).
- You are a defaulter of any bank or financial institution.
- You have a criminal record, especially for serious offences.
- You or your spouse already own a completed house (for the construction loan).
- Your plot is larger than the limit for your urban/rural category.
- Any information or document in your application is false — this leads to disqualification.
- You submit more than one application for the same family.
Documents Required
Prepare clear scanned copies before you open the portal. Blurry or mismatched documents are the most common reason applications get stuck in verification.
• CNIC front & back (applicant)
• CNIC of spouse (if married)
• Recent passport-size photograph
• Mobile number registered in your own name
• Plot ownership proof — Fard or registry
• Plot location / site photograph (if asked)
• Affidavit where the portal requires one
• NSER registration / PMT score details
• Proof of income, where available
• Marriage certificate (if applicable)
• Disability certificate (if applicable)
How to Apply Online — Step by Step
The full process is free and digital. It takes about 15 minutes if your documents are ready. You can also apply through the toll-free helpline 0800-09100 or at your nearest DC office / PHATA facilitation desk.
- Open the official portal. Go to acag.punjab.gov.pk only — check the address ends in .gov.pk before entering any detail.
- Register your account. Enter your CNIC number and the mobile number registered in your own name, then verify with the OTP sent to your phone.
- Fill the application form. Add personal, family, income and NSER details exactly as they appear in NADRA records.
- Choose your loan tier. Select Rs 5 lakh, Rs 10 lakh or Rs 15 lakh according to your construction need.
- Add plot details & upload documents. Enter fard/registry information and upload your CNIC, ownership proof and photograph.
- Review and submit. Check every field once, submit, and save your tracking/application reference. Confirmation comes by SMS.
- Verification. PHATA verifies your case through NADRA, PLRA and NSER. Approved applicants are informed through the portal and SMS, and the loan is released in construction stages.
How to Check Application Status
1. Open acag.punjab.gov.pk and log in.
2. Open your application dashboard.
3. See your current stage — submitted, under verification, approved, tranche released or rejected (with the reason).
4. Follow any comment from the verification team and upload a missing document if asked.
• Call the toll-free helpline 0800-09100 with your CNIC and application reference ready.
• Or visit your district's DC office / PHATA facilitation desk.
Tip: Check status on the portal first — it is updated before SMS in most districts.
Apni Zameen Apna Ghar — Free 3 Marla Plot
For families who own nothing — no plot and no house anywhere in Pakistan — Punjab runs a separate programme that allots a free 3 marla residential plot through transparent, computerised balloting. Apply on azag.punjab.gov.pk.
• 1,892 free plots in 23 housing schemes
• 19 districts: Attock, Bahawalnagar, Bahawalpur, Bhakkar, Chiniot, Faisalabad, Gujrat, Jhang, Jhelum, Kasur, Khushab, Layyah, Lodhran, Mandi Bahauddin, Okara, Rajanpur, Sahiwal, Sargodha, Vehari
• Priority: widows, orphans, persons with disabilities and the poorest families
• One application per family, for your own district only
- Permanent Punjab resident with valid CNIC.
- Applicant, spouse and dependent children own no plot or house anywhere in Pakistan.
- Low household income (generally below Rs 60,000/month).
- No bank default and no criminal record.
- Allotted plots carry a long-term restriction on sale to prevent misuse.
Which "Apna Ghar" Is Right for You?
Three different programmes are searched with similar names. Use this table to avoid applying on the wrong portal.
| Programme | Level | What You Get | Official Portal |
|---|---|---|---|
| Apni Chhat Apna Ghar | Punjab | Interest-free loan up to Rs 15 lakh to build on your own plot | acag.punjab.gov.pk |
| Apni Zameen Apna Ghar | Punjab | Free 3 marla plot if you own no property at all | azag.punjab.gov.pk |
| PM Apna Ghar (federal housing finance) | Federal | Bank housing finance for first-time buyers across Pakistan (terms set by participating banks / State Bank) | apnaghar.gov.pk |
Government housing schemes attract scammers every year. Remember: applying is completely free; no genuine official will ever ask you to pay a "registration fee" to an agent, send money to a personal account, or share your CNIC OTP, bank PIN or mobile wallet PIN on WhatsApp. Enter your CNIC only on websites ending in .gov.pk, and use only the official helpline 0800-09100. If someone demands money in the scheme's name, report it on the helpline.
Frequently Asked Questions
Short, verified answers to the questions people ask most about the Apna Ghar Scheme.
What is the Apna Ghar Scheme 2026?
It is the common name for Punjab's Apni Chhat Apna Ghar programme by PHATA: an interest-free loan of up to Rs 15 lakh for low-income families in Punjab to build a house on their own plot, via acag.punjab.gov.pk.
How much is the monthly instalment?
About Rs 14,000 per month for the full Rs 15 lakh loan, over 7 years, with the first 3 months waived. The loan carries 0% interest and no hidden markup.
Can I apply if I have no plot?
Not for the construction loan — that needs your own plot (up to 5 marla urban / 10 marla rural). If you own nothing, apply for a free 3 marla plot under Apni Zameen Apna Ghar at azag.punjab.gov.pk.
Can joint families apply?
Yes. Since the 2026 expansion, members of joint families can apply for a loan to add extra rooms or a storey on a shared family plot.
What is the PMT score requirement?
Your household should be registered in the NSER survey with a PMT (poverty) score of 60 or less. Verification is automatic — you cannot change your score through any agent.
How is the loan paid to me?
In construction stages (tranches) as work progresses, after PHATA verification — not as a single lump sum. Each stage is checked before the next release.
How do I check my application status?
Log in to acag.punjab.gov.pk and open your dashboard, or call the toll-free helpline 0800-09100 with your CNIC and application reference.
Is there any application fee or last date?
There is no fee at all. Dates and phases are announced only on the official portal and PHATA channels — rely on those, not on social media posts or agents.
Official Sources
Always cross-check dates, phases and your own case on these official channels:
Apply, log in and check status for the construction loan.
acag.punjab.gov.pk →Apply for the free 3 marla plot programme.
azag.punjab.gov.pk →Toll-free help for application and status queries.
0800-09100 →Last content review: October 2026. Programme figures (loan tiers, instalment, plot counts) are taken from official programme information and reputable reporting of PHATA announcements; where reports differ, the official portal figure is treated as final. If PHATA changes any term, the portal prevails over this guide.