Complete official guide to Punjab’s Rs. 15 Lakh interest-free house construction loan: online registration, eligibility, plot requirements, monthly installments, and status tracking.
Originally Published: July 29, 2026Last Updated: July 29, 2026Fact-Checked: July 29, 2026 (PHATA & Housing Dept Guidelines)
Maryamkobataye.com is an independent informational guide portal. We are not affiliated with the Government of Punjab, Punjab Housing and Town Planning Agency (PHATA), Housing Department, or the Apni Chhat Apna Ghar portal.
This website does not accept housing loan applications, conduct property verifications, perform balloting, or disburse loan funds. To submit an official application or log in to your portal account, visit the official Government portal at acag.punjab.gov.pk or call official helpline 0800-09100.
The Apni Chhat Apna Ghar Program is a flagship social housing initiative launched by Chief Minister Punjab Maryam Nawaz Sharif. Executed through the Punjab Housing and Town Planning Agency (PHATA), the scheme provides Rs. 15 Lakh (PKR 1,500,000) interest-free loans (0% markup) to low and lower-middle-income families owning up to 5 Marla urban or 10 Marla rural plots, with a manageable monthly installment of approximately Rs. 14,000 over a 9-year tenure.
Apni Chhat Apna Ghar is a Government of Punjab housing financing scheme that grants interest-free loans up to Rs. 15 Lakh to qualifying Punjab residents for constructing homes on their owned plots (up to 5 Marla in urban centers or 10 Marla in rural areas). The loan has zero markup, a 3-month initial grace period, and a 9-year repayment plan (108 monthly installments).
For official assistance regarding application status and helpline support:
Submit applications and track status on the official PHATA portal:
| Program Name | Apni Chhat Apna Ghar Program (ACAG) |
| Current Status | Active & Ongoing Verification / Phases |
| Executing Agency | Punjab Housing and Town Planning Agency (PHATA) & Housing Dept. |
| Maximum Loan Amount | Rs. 1,500,000 (15 Lakh PKR) |
| Interest Rate (Markup) | 0% (100% Interest-Free, Government Subsidized) |
| Repayment Tenure | 9 Years (108 Monthly Installments) |
| Monthly Repayment | Approx. Rs. 14,000 / month (after 3-month grace period) |
| Urban Plot Limit | Up to 5 Marla (inside municipal/city boundaries) |
| Rural Plot Limit | Up to 10 Marla (in villages / Union Councils) |
| Official Application Portal | acag.punjab.gov.pk |
| Official Toll-Free Helpline | 0800-09100 / Punjab Citizen Helpline 1000 |
To qualify for the interest-free construction loan under PHATA rules, applicants must meet the following mandatory benchmarks:
| Property Criteria | Urban Areas (Cities) | Rural Areas (Villages/UCs) |
|---|---|---|
| Maximum Allowed Plot Size | Up to 5 Marla | Up to 10 Marla |
| Required Ownership Document | Registered Sale Deed / Registry or Authority Transfer Letter | Fard Malkiat (Revenue Record) / Intiqal (Mutation) |
| Plot Condition | Vacant plot or unconstructed plot within approved layout | Vacant land within village abadi / UC limits |
| Joint Ownership Rule | Must have explicit consent/NOC from co-owners if applicable | Partition Fard or NOC from family co-sharers required |
During early pilot announcements, initial proposals discussed 7-year repayment periods or lower loan caps. However, under the officially launched policy ratified by Chief Minister Maryam Nawaz Sharif and PHATA, the final structured parameters were set at Rs. 15 Lakh (1.5 Million PKR) maximum loan, a 9-year repayment period (108 months), a 3-month grace period, and a monthly installment of approximately Rs. 14,000. Always rely on the latest portal parameters at `acag.punjab.gov.pk`.
| Loan Parameter | Official Policy Specification |
|---|---|
| Total Approved Loan Cap | Rs. 1,500,000 (15 Lakh PKR) |
| Interest Rate (Markup) | 0% (Government absorbs 100% markup/service costs) |
| Grace Period | First 3 months after 1st disbursement (no installment due) |
| Total Repayment Tenure | 9 Years (108 Monthly Installments) |
| Monthly Installment Amount | Approx. Rs. 14,000 per month |
| Processing & Verification Fee | No hidden processing fees charged to eligible applicants |
1/ Visit Official Portal & Register Account
Go to acag.punjab.gov.pk. Click on “Register”, enter your CNIC number, active mobile SIM number (registered in your name), district, and set a password.
2/ Complete OTP & Profile Information
Verify your mobile number via SMS OTP code. Fill out your family profile details, NADRA record info, and monthly income details.
3/ Enter Plot & Property Details
Provide exact property details: plot size (Urban 5 Marla / Rural 10 Marla max), complete address, and upload scanned copies of your ownership documents (Fard Malkiat, Registry, or Mutation).
4/ Submit & Save Application Number
Review all entries, sign the online affidavit declaring zero bank default, and submit your application. Note down your unique Application Reference Number for tracking.
| Portal Status | Detailed Meaning | Required Action |
|---|---|---|
| Submitted / Pending | Application received successfully and queued for initial NADRA/NSER screening. | Wait for status update; check portal weekly. |
| Under Verification | PHATA and local revenue teams are inspecting land records and financial history. | Keep original property documents ready for verification team. |
| Approved / Balloted | Your application passed verification and was selected in the transparent ballot. | Expect notification to sign loan agreement and receive 1st disbursement. |
| Ineligible / Rejected | Application failed plot size, ownership, PMT score, or bank default criteria. | Review objection reason on portal or lodge a appeal via Helpline 1000. |
To ensure loan funds are utilized exclusively for genuine house construction, PHATA releases the Rs. 15 Lakh financing in 3 milestone-based tranches:
1st/ First Tranche (Foundation Level)
Released upon loan sanction to begin excavation, layout, foundation work, and plinth construction.
2nd/ Second Tranche (Structure & Roof Level)
Disbursed after physical geotagged inspection verifies completion of walls up to lintel and roof slab casting.
3rd/ Third Tranche (Finishing Level)
Released upon stage verification to complete doors, windows, plastering, plumbing, and basic utility connections.
If you face portal technical errors, verification delays, or extortion demands by unofficial agents, contact official channels:
The maximum loan financing provided under the scheme is Rs. 1,500,000 (15 Lakh PKR) for house construction.
Yes. The loan is 100% interest-free (0% markup). The Government of Punjab subsidizes all bank service charges and markup.
The monthly repayment is approximately Rs. 14,000 per month spread across a 9-year tenure (108 months), starting after a 3-month grace period.
Applicants owning up to 5 Marla plots in urban areas or up to 10 Marla plots in rural areas across Punjab are eligible.
No. This specific loan component requires the applicant to own a clear plot. For landless citizens, separate government housing apartment projects are planned.