Last checked November 2026
Apni Chhat Apna Ghar is the Punjab government's housing loan programme. Its official portal offers two tracks: building a new house, and adding a floor or room (Apni Chhat Mehfooz Chhat). Existing borrowers can request their next instalment or change their loan category online.
What to bring
- CNIC
- Plot ownership documents
- Any other documents listed on the official portal
Take originals plus photocopies. Offices may ask for extra documents.
Your route
- 1
Read the eligibility rules on the official Apni Chhat Apna Ghar website.
- 2
Choose the right category: build a new house (Apni Chhat Apna Ghar) or add a floor or room (Apni Chhat Mehfooz Chhat).
- 3
Apply online with your CNIC and plot details.
- 4
If you're approved, construction is funded in instalments. Request the next instalment through the same portal.
Tips & common mistakes
- Read the eligibility criteria on the portal before applying.
- Apply only on acag.punjab.gov.pk. Nobody needs to be paid to process your application.
- The programme's toll-free helpline is listed on its website.
Frequently asked questions
Is there a rebate for early repayment?+
The official site currently advertises a rebate for full early repayment. Check the latest terms there.
Fees, documents and timelines change, so Raasta deliberately doesn't quote fees. Confirm current requirements on the official website before you apply. Spotted something out of date?