ACAG Program
The Apni Chhat Apna Ghar (ACAG) program, launched by the Punjab government, aims to provide affordable housing solutions to deserving families. Recently, the first payment was distributed to 927 beneficiaries, indicating a critical milestone in the scheme’s operation. The program offers interest-free loans to help applicants build homes, ensuring openness and inclusivity. Here, we provide all the details about the program, including eligibility, required documents, and application processes.
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Quick Overview
| Program | Start Date | End Date | Assistance Amount | Application Method |
| Apni Chhat Apna Ghar (ACAG) | 2024 | Ongoing | PKR 1.5 million (loan) | Online/Offline |
Eligibility Criteria
To qualify for the ACAG program, applicants must meet specific settings to ensure the help reaches those who need it most:
- Permanent Residency: Applicants must be residents of Punjab as specified on their CNIC.
- Property Ownership: Must own a plot of up to 5 Marlas in urban areas or up to 10 Marlas in rural areas.
- Income Bracket: Households must fall within the low-income bracket and have a Poverty Quantity Tool (PMT) score of 60 or less, as per the National Socio-Economic Registry.
- Head of Household: The applicant must be listed as the household head in NADRA records.
- Clean Record: Applicants must not have any criminal record or defaulted on prior loans.
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Documents Required
Applicants must submit the following documents during registration:
- CNIC Copies: Front and back sides of the National Identity Card.
- Property Ownership Documents: Proof of ownership such as a control letter or property deed.
- Proof of Income: Recent salary slips or income certificates.
- Bank Account Details: For fund disbursement.
- Proof of Residency: Utility bills or rent agreements.
- Witness Statements: Two or three guarantors confirming eligibility.
These documents help establish the applicant’s qualification for interest-free loans and ensure slide in the process.
How to Apply
- Online Registration
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The online process is streamlined and user-friendly:
- Visit the official ACAG website at acag.punjab.gov.pk.
- Create an account by providing your CNIC, phone number, and personal details.
- Log in and fill out the application form with correct information.
- Upload the required documents.
- Submit your application and save the following number for future reference.
- Offline Registration
For those unable to complete online registration, offline services are available:
- Visit your nearest Deputy Commissioner’s office.
- Submit the required documents at the ACAG registration desk.
- Staff will assist in completing your application on your behalf.
Both methods are designed to house a wide range of applicants, ensuring that no one is left out due to technological or logistical barriers.
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Loan and Repayment Details
Beneficiaries of the ACAG program are eligible for interest-free loans:
- Loan Amount: Up to PKR 1.5 million.
- Repayment Period: Seven years.
- Monthly Installment: PKR 14,000.
The loans are disbursed in tranches to ensure funds are used appropriately during various stages of house construction. The Punjab government oversees this process to maintain liability and fairness.
Key Milestones Achieved
- 927 Beneficiaries Assisted: The first tranche of payments has been distributed, enabling beneficiaries to begin building.
- Expansion Plans: The program aims to support 100,000 housing units by 2025, with a significant helping already underway.
- District-Wise Allocation: Housing units are spread based on populace and need across Punjab’s 36 districts.
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Conclusion
The ACAG program represents a pivotal step in addressing Pakistan’s housing shortage. By if interest-free loans, the government empowers low-income families to build homes and improve their living standards. With user-friendly application processes and transparent eligibility criteria, the program ensures equal access to assistance.
If you meet the eligibility requirements, don’t miss this chance. Complete your registering online or visit the nearest district office today. For further info, visit the ACAG website or call their helpline at 0800-09100.