The Apni Chhat Apna Ghar (ACAG) Program is a housing initiative by the Punjab Government aimed at providing affordable homes to low-income families. Under this program, 1 lakh families will be given interest-free loans ranging from 1 lakh to 15 lakh rupees to help them build their homes. Thousands of families have already applied for this scheme, and the registration process is still ongoing. This article will guide you through the registration process and eligibility criteria.
| Key Points | Details |
| Loan Amount | 1 lakh to 15 lakh rupees |
| Eligibility | Punjab residents, low-income families |
| Repayment Term | 7 years |
| Interest Rate | Zero |
Table of Content
Key Highlights of the Apni Chhat Apna Ghar Program
Punjab Chief Minister Maryam Nawaz Sharif formally launched the ACAG Program to provide affordable housing to low-income families. The program offers an interest-free loan, which can be repaid over seven years with monthly installments of Rs. 14,000. This initiative aims to improve the living conditions of families in Punjab and help them build their own homes at an affordable cost.
Who Can Apply for the ACAG Housing Scheme?
To apply for the ACAG Program, applicants must meet certain eligibility criteria:
- The applicant must be the head of the household, according to NADRA records.
- The applicant should be a permanent resident of Punjab, with a valid identity card.
- The PMT score of the household must be below 60 as per the National Socio-Economic Registry.
- Applicants must not be defaulters of any bank or financial institution.
- For rural applicants, the household must have a vacant house of 10 marla, and for urban applicants, it should be 5 marla.
Online Registration Process for ACAG
Registering for the ACAG Program is easy and can be done online:
- Visit the ACAG Website
Go to the official ACAG website: ACAG Punjab. - Create an Account
Click on the register button and enter your details such as your name, CNIC, mobile number, and other required information. - Login and Apply
After creating your account, log in and click on the new application option. Fill in the registration form with the necessary details. - Submit Your Application
Once all the information is entered, submit your registration. If you are unable to apply online, you can visit your nearest Deputy Commissioner Office to complete your registration offline.
Benefits of the ACAG Program
The ACAG Program provides many benefits to low-income families in Punjab. By offering interest-free loans, the program makes it easier for families to construct their own homes without worrying about high repayment costs. Farmers and residents in both urban and rural areas can benefit from the scheme by securing affordable housing and improving their living conditions.
- Interest-free loans for home construction.
- Repayment terms of up to 7 years.
- Affordable housing for low-income families.
- Both urban and rural areas are covered.
Offline Registration Option
For those who cannot register online, the Punjab government has provided an offline registration facility. Applicants can visit the nearest Deputy Commissioner Office to submit their application at the ACAG Program Registration Desk. This ensures that everyone has the opportunity to apply, even if they do not have access to the internet.
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Conclusion
The ACAG Program is a great initiative by the Punjab government to help low-income families build their homes with the help of interest-free loans. If you meet the eligibility criteria, be sure to complete your registration process, either online or offline. With the support of the government, you can secure affordable housing and improve your family’s future.