Registering for Apni Chhat Apna Ghar (ACAG) Program – October 2024

Welcome to the step-by-step guide for registering for the Apni Chhat Apna Ghar (ACAG) Program, a groundbreaking initiative launched by Punjab Chief Minister Maryam Nawaz Sharif. The primary goal is to offer affordable housing solutions to low-income families in Punjab. Eligible families can avail an interest-free loan of up to 15 lakh Indian rupees from the Punjab government to construct their own homes.

ACAG Program Overview

The ACAG program is being executed in three phases:

• Phase 1: Providing interest-free loans of 15 lakh rupees each to 70,000 families for home construction.
• Phase 2: Delivering 20,000 housing units.
• Phase 3: Distributing 10,000 shelter units.

If you’re interested in securing a loan under the first phase, follow the steps below to complete your registration process and embark on the journey to building your home.

Eligibility Criteria

Before proceeding with the registration, ensure you meet the eligibility criteria established by the Punjab government. Meeting these criteria is essential to be considered for the interest-free loan. Key requirements include:

• Residency: Applicant or a family member must be a permanent resident of Punjab as per CNIC.
• Land Ownership: Sole ownership of land measuring up to 5 marlas in urban areas or 10 marlas in rural areas.
• No Criminal Record: No history of criminal activity or involvement in serious crimes.
• Financial Standing: No default on loans from financial institutions or banks.

If you fulfill these conditions, you are eligible to apply for the ACAG program.

Registration Process

There are two methods available for completing your ACAG program registration: Online Registration and Physical Registration at Local Offices.

Online Registration Process

• Step 1: Visit the Official ACAG Website and click on “Register”.
• Step 2: Create an account by filling in the required information.
• Step 3: Log in to your account and confirm your eligibility status and lack of property ownership.
• Step 4: Complete the registration form with general information, document uploads, and any additional comments.

If online registration is inconvenient, you can opt for Manual Registration by visiting your local Deputy Official Office for assistance.

Required Documents

Whether registering online or physically, ensure you have the following documents ready:

• CNIC Copy
• Proof of Land Ownership
• Clear Criminal Record
• No Outstanding Loans Certificate

Keep all documents updated and accurate to avoid delays in the registration process.

ACAG Program Updates – October 2024

As of October 2024, the ACAG program has garnered significant interest. According to an official update from Punjab Chief Minister Maryam Nawaz Sharif’s Facebook page:

• 544,000 people have registered on the ACAG portal.
• 280,000 requests have been submitted.
• 76,000 requests are pending final submission.

If you meet the eligibility criteria, it’s recommended to register promptly to secure your participation in the program.

Benefits of ACAG Program

The ACAG program offers a unique opportunity for low-income families to own homes without the burden of interest on loans. Here’s why you should consider applying:

• No Interest: The 15 lakh rupees loan is entirely interest-free.
• Low-Income Focus: Specifically designed for the economically disadvantaged.
• Government Backing: Run by the Punjab government for added security and support.

Conclusion: Fulfill Your Home Ownership Dream

The Apni Chhat Apna Ghar program is a transformative initiative aiming to fulfill the housing dreams of deserving families in Punjab. With simple eligibility criteria, an easy registration process, and interest-free loans, this program presents an excellent opportunity for aspiring homeowners lacking financial resources.

If you meet the eligibility requirements, waste no time! Complete your registration today and take the first step toward turning your dream home into a reality.