Punjab Expense Apni Chhat Apna Ghar
The Apni Chhat Apna Ghar program launched by Punjab Chief Minister Maryam Nawaz aims to provide 1 million affordable houses in about four and a half years. This initiative targets low-income households. This program has been launched by the Punjab Housing and Town Planning Agency. This program is monitored by the Housing, Urban Development, and Public Health Engineering Department.
You can also read:CM Punjab Laptop Program Phase-II: Application Portal Live
This program can increase the number of housing units in the coming days. It can be increased from 1 million to 2 million. The Punjab government is in the process of launching many more programs with the help of this program. Read the article below for more details.
Eligibility Criteria For 2026
To apply in February 2026, you must fulfill the following:
- You must have a valid CNIC
- You must be a permanent resident of any province of Pakistan
- You must own a 7 marla plot in your land if you are a citizen
- You must own a 12 marla plot for a villager
- Your monthly income must be between 20,000 and 40,000
- Your PMT score must be between 50 and 70%
- You must not have traveled abroad
- Your monthly income must not be from a government job
You can also read: Punjab Takes Notice as Private Schools Push Parents Toward Specific Shops
How To Apply In 2026
Apni Chat Apna Ghar Scheme Registration Form (Complete Guide):
- Visit the ACAG website. Go to the ACAG website, and the registration form will appear on the screen.
- Enter Your Personal Information.
- Provide Additional Details.
- Fill in Location Details.
- Create a password.
- Submit Your Application.
- Confirmation via SMS.
Required Documents In 2026
Have these ready before starting your online application:
- Original CNIC (Front and Back).
- Family Registration Certificate (FRC) from NADRA.
- Proof of Property Ownership (Registry/Fard/Allotment Letter).
- Recent Utility Bill (Electricity or Gas).
- Proof of Income (Salary slip or business letterhead).
Website
https://digital.ehsassprogram.com
Toll-Free Number 2026
You can participate in the Apni Chat Apna Ghar program by using a toll-free number, i.e., 0800-09100. Call this phone number for information and registration. The person on the phone will ask for all the required information and fill out the form on your side.
Permanent Residence
For homeless and poor people, the Apni Chhat Apna Ghar program is a blessing. People who owns a land but cannot afford to build a home due to lack of financial resources. The government noticed this issue and step up to help. Through this scheme, they provide the opportunity to own permanent residence.
Loan Repayment Structure 2026
The “Easy Home Loan” follows a 7-year repayment plan with 0% markup.
| Feature | Details |
| Total Loan | Rs. 1.5 Million |
| Markup/Interest | 0% |
| Grace Period | First 3 Months (No payment) |
| Monthly Installment | ~Rs. 14,000 |
| Total Tenure | 7 Years |
Conclusion
The Maryam Nawaz Housing Scheme 2026 is a groundbreaking step toward providing affordable housing and financial stability to Punjab’s most deserving families. With transparent registration via acag.punjab.gov.pk, fair eligibility checks, and easy installment options, the program is setting new standards for social welfare governance in Pakistan.
If you haven’t applied yet, prepare your documents now and stay tuned for Phase 2 announcements. Your dream of owning a home could soon become a reality—one verified application away.