Apni Chhat Apna Ghar Scheme Model 3 Launched – Apply Now for Rs. 15 Lakh Loan

The Apni Chhat Apna Ghar Scheme Model 3 is a new housing program started by the Punjab Government under the leadership of Chief Minister Maryam Nawaz. This program helps people without homes by offering them interest-free loans of up to Rs. 15 lakh. These loans can be used to build personal homes and can be paid back in easy monthly installments of Rs. 14,000 over seven years.

To apply, you must live in Punjab permanently and own land measuring 5 Marla in urban areas or 10 Marla in rural areas. The application process is simple, and you only need to register on the official ACAG portal by providing your CNIC, proof of land ownership, and other basic details. If more than 100,000 people apply, a lottery system will be used to choose eligible applicants.

This scheme is a great opportunity for low-income families to build their own homes and secure a better future.

Key Features of the Scheme

The Apni Chhat Apna Ghar Scheme Model 3 has some amazing features:

You can get up to Rs. 15 lakh as an interest-free loan.
The loan is easy to repay with monthly installments of just Rs. 14,000 over seven years.
Both urban (5 Marla) and rural (10 Marla) landowners can apply.
If more than 100,000 applications are submitted, the government will hold a fair lottery to select applicants.

This program is designed to make homeownership easy and affordable for everyone in Punjab.

Eligibility Criteria

To qualify for this scheme, you must meet the following requirements:

You must be a permanent resident of Punjab.
You should own 5 Marla of land in a city or 10 Marla of land in a village.
You should not have taken a loan from any government or private institution in the past.

These simple rules make sure that only deserving people benefit from this housing program.

Step-by-Step Registration Process

The registration process for the Apni Chhat Apna Ghar Scheme Model 3 is easy to follow. Here’s how you can apply:

Gather Your Documents: You will need your CNIC (front and back), proof of land ownership, a passport-size photo, and your contact details.
Visit the Official Website: Open the official ACAG portal (acag.punjab.gov.pk) in your browser.
Create an Account: Enter your CNIC, phone number, email address, password, and home address to register.
Log In: Use your CNIC and password to log in to your account.
Accept Terms and Conditions: Read and agree to the rules of the program.
Fill Out the Form: Provide your name, father’s name, CNIC number, property details, and contact information. Upload a photo and your supporting documents.
Submit Your Application: Once everything is filled out, submit your form and provide any feedback about the program.

That’s it! Once you’ve completed these steps, your application will be submitted for review.

What Happens After Registration?

After submitting your application, the government will review it. If your application is approved, you will receive an interest-free loan of Rs. 15 lakh on the given date. If there are more than 100,000 applications, a lottery system will be used to ensure fairness. This process guarantees transparency and equal opportunity for everyone.

Impact of the Scheme

The Apni Chhat Apna Ghar Scheme Model 3 is a big step forward in solving the housing problem in Punjab. It helps families build homes by offering financial support and a simple application process. The program reduces homelessness, gives people the chance to live with dignity, and empowers them to take charge of their future.

By making housing more accessible, the Punjab Government is creating a better future for its people and promoting economic stability across the region.

Conclusion

The Apni Chhat Apna Ghar Scheme Model 3 is a life-changing opportunity for families in Punjab who dream of owning a home. With interest-free loans, affordable repayment plans, and a simple registration process, this program is a practical solution for the housing crisis.

If you qualify for the program, don’t miss this chance. Visit the official ACAG portal today to apply and take the first step toward building your dream home. This initiative is more than just a housing program—it’s a symbol of hope and progress for a better Punjab.