ServiceRunningLand & Property
Apni Chhat Apna Ghar housing loan
Interest-free loans of up to Rs 1.5 million for eligible low-income families to build a house on their own plot, repayable over 9 years in monthly instalments, released in tranches.
Independent, unofficial guide — not a government website. Running.
- Department
- Punjab Housing & Town Planning Agency / Housing, Urban Development & Public Health Engineering Department
- Fee
- Free to apply; interest-free loan
- Helpline
- 0800-09100
Who can apply
- Head of family per NADRA, permanent Punjab resident
- Owns a plot up to 5 marla (urban) or 10 marla (rural)
- No criminal record or bank default
- PMT score of 60 or less in NSER
How to apply
- Check acag.punjab.gov.pk for current registration status; use the portal when an official application round is open
- Complete the eligibility certification form
- Submit the application with documents
- Verification, approval and tranche-wise disbursement
Documents needed
- CNIC
- Father's/husband's CNIC number
- Plot ownership documents
Official source
- Website: acag.punjab.gov.pk
- Source: punjab.gov.pk
Government sourceGovernment sourceVerified 2026-10-08Always confirm fees, eligibility and deadlines with the official department before you apply.
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