Apni Chhat Apna Ghar Loan Scheme
Apni Chhat Apna Ghar Loan Scheme is a new initiative aimed at helping low-income households in Punjab. Launched by Chief Minister Punjab Maryam Nawaz Sharif, this program allows all residents of Punjab to apply for loans under the scheme. The online application and registration portals are now open.
Maryam Nawaz Sharif has announced that in the first phase, 100,000 people will be included in the Apni Chhat Apna Ghar scheme. The online registration form is available at acag.punjab.gov.pk. Through this program, the Punjab government is offering interest-free loans of up to Rs 15 lakh to individuals who do not own a house. Complete details on how to apply for the loan are provided below in this article.
How to Apply for the Apni Chhat Apna Ghar 15 Lakh Loan
the details of the Apni Chhat Apna Ghar 15 Lakh Loan Scheme have already been shared on this website. The purpose of this article is to guide those who wish to apply for a Rs 15 lakh loan through the Apni Chhat Apna Ghar scheme.
Below is the citizen registration form that allows any resident of Punjab to register and then apply for the Punjab housing loan. Please note, the Apni Chhat Apna Ghar scheme is exclusively for the people of Punjab. Anyone with a valid domicile from any district in Punjab is eligible to apply for this loan.
Step-by-Step Guide to Filling the Apni Chhat Apna Ghar Application Form
To apply for the Apni Chhat Apna Ghar scheme at acag.punjab.gov.pk, you need to start by registering with your basic information on the registration page. Below is a simple guide on how to complete the registration process.
After registering, log in using your CNIC and password. Be sure to save your password, as you’ll need it to check the status of your application for the Chhat Apna Ghar Scheme 2024 in the future. Once registered, you can access the login form on the acag Punjab portal.
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How to Complete the Apni Chhat Apna Ghar Application Form
Login to the ACAG Punjab Portal
To start, enter your CNIC and password in the login form on the ACAG Punjab portal. You can use your own CNIC or that of an eligible family member, such as your spouse. Once logged in, a certificate will appear.
Review and Continue
The certificate will have several checkboxes. Carefully read each statement, check the appropriate boxes, and press the “Continue” button. After clicking “Proceed,” another application form will open.
Filling Out the Registration Form
Some information may already be pre-filled. You need to complete the rest of the form accurately. Be careful not to enter any incorrect information, as doing so may lead to your form being rejected.
Property Details
Next, provide details about the property for which you are seeking a loan, including the plot size. Also, ensure that you provide the complete address of your current residence.
Household Details
Fill in your household’s socio-economic information. If you are married, include details about your spouse. If both you and your spouse are applying, make sure to mention this in the form. Include details about your employment or business.
Uploading Ownership Documents
In this section, upload three types of documents. First, upload a photo of your ownership document, such as a village individual ownership paper or a city housing society letter. Also, upload clear front and back images of the applicant’s CNIC.
Feedback Section
In the final section, you can provide any remarks or feedback. Explain your financial situation and, if necessary, request a more favorable score. Once you’ve entered your remarks, submit the form.
If you encounter an error stating, “Your draft application has been saved but no PMT record found against your CNIC,” visit your nearest NSER office to check your PMT score and finalize your application using the same login. You can find NSER office addresses in Punjab for assistance with the Apni Chhat Apna Ghar scheme.
Required Documents for Apni Chhat Apna Ghar Loan Scheme
If you want to take advantage of the 15 lakh loan scheme provided by the Punjab government, you need to ensure that you have all the necessary documents ready before applying. To successfully complete the registration process and qualify for the 15 lakh loan, the following documents are required:
- National Identity Card: Your original National Identity Card (CNIC) approved by the Government of Pakistan.
- Land Ownership Documents: Proof of ownership for the land or property.
- Bank Statement: Your recent bank statement.
- Proof of Income: Documentation showing your monthly income.
- PMT Score: A Poverty Means Test (PMT) score approved by BISP.
Make sure all these documents are prepared to ensure a smooth application process for the Apni Chhat Apna Ghar Loan Scheme.
Eligibility Criteria for Apni Chhat Apna Ghar Program 2024
The Punjab government has outlined specific eligibility criteria for those who wish to apply for a 15 lakh rupee loan under the Apni Chhat Apna Ghar Program. Before applying, ensure that you meet the following requirements:
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- Head of Household: According to NADRA records, the applicant must be the head of their nuclear family.
- Punjab Resident: The applicant must be a permanent resident of Punjab, as indicated on their CNIC.
- Land Ownership: The applicant must be the sole owner of a plot of land measuring up to 5 marla in urban areas or up to 10 marla in rural areas anywhere in Punjab, where they intend to build their house.
- Clean Criminal Record: The applicant must not have a criminal record, including convictions for anti-state, anti-social activities, or other serious crimes.
- No Financial Defaults: The applicant should not be in default with any financial institution or bank.
By ensuring you meet these criteria, you can proceed with your application for the Apni Chhat Apna Ghar Program 2024.
Common Questions About the Apni Chhat Apna Ghar Loan Scheme
Who is eligible to apply for the Apni Chhat Apna Ghar Loan Scheme?
Any permanent resident of Punjab who owns land measuring 5 marlas or less in urban areas or up to 10 marlas in rural areas can apply. The applicant must be the head of the family and have a clean criminal record.
What is the maximum loan amount provided under this scheme?
The Punjab government is offering interest-free loans of up to Rs. 15 lakh under this scheme.
What documents are required to apply for the loan?
To apply, you need the following documents: your original National Identity Card, land ownership papers, a bank statement, proof of monthly income, and a PMT score approved by BISP.
How can I apply for the Apni Chhat Apna Ghar Loan Scheme?
You can apply by visiting the official website (acag.punjab.gov.pk). Complete the registration by filling in your basic details, uploading the required documents, and submitting the application form.
What should I do if I encounter an error during the application process?
If you see an error message saying “Your draft application has been saved but no PMT record found against your CNIC,” visit the nearest NSER office to register and finalize your application using the same login.
Can I apply using someone else’s CNIC?
Yes, you can apply using the CNIC of an eligible family member, such as your spouse.
What happens after submitting the application form?
After submitting your application, you can check its status using the login details you created during registration.
What is the purpose of the Apni Chhat Apna Ghar Loan Scheme?
The scheme aims to provide interest-free loans to low-income households in Punjab, helping them build their own homes.