Apni Chat Apna Ghar List 2026 Punjab Phase 2
The Punjab government has officially released the Apni Chat Apna Ghar List 2026 Phase 2, bringing hope and happiness to thousands of families waiting for financial assistance to build their own homes. Under the leadership of Chief Minister Maryam Nawaz Sharif, this program has become one of the most successful welfare initiatives in Punjab’s history. It provides interest-free home construction loans worth Rs. 15 lakh to low-income families who own land but cannot afford to build a house. The release of the Phase 2 winner list allows applicants to check whether their loan has been approved and begin their journey toward constructing their dream home.
This program is part of Maryam Nawaz’s broader mission to ensure that every family in Punjab has a roof over their heads. The government’s transparent digital system has made it possible for applicants to verify their names easily online. With this initiative, thousands of underprivileged families will finally be able to live in permanent, safe homes, promoting stability and dignity across the province.
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Overview of the Apni Chat Apna Ghar Program
The Apni Chat Apna Ghar (ACAG) Loan Program is a housing support project designed for low-income families who possess small plots of land but lack the means to build a home. The Punjab government provides them with interest-free loans of up to Rs. 1.5 million to construct houses without any financial burden.
- The program provides interest-free loans of up to Rs. 15 lakh for home construction.
- Beneficiaries are selected through a transparent digital balloting process.
- Repayment is spread over seven years with easy monthly installments.
- The first three installments are waived to help families begin construction comfortably.
This initiative directly contributes to reducing poverty, empowering families, and promoting equal opportunities for all citizens across Punjab.
Key Features of the Maryam Nawaz Loan Scheme 2026
The Maryam Nawaz Loan Scheme 2026, launched under the Apni Chat Apna Ghar project, stands out as a people-centered and practical initiative. It is tailored for Punjab’s working class, ensuring they can build homes on their own land without relying on interest-based financial institutions.
- Loan amount up to Rs. 1,500,000 (15 lakh).
- Entirely interest-free repayment system.
- Easy 7-year installment plan for flexibility.
- The first three monthly payments are waived.
- Focused on families owning 5 marlas (urban) or 10 marlas (rural) of land.
These features make the Apni Chat Apna Ghar Program one of the most effective steps toward social empowerment and economic progress.
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Eligibility Criteria for the Scheme
To ensure that the program benefits only deserving individuals, the Punjab government has clearly outlined eligibility criteria. Applicants must be genuine residents of Punjab and must own a specific amount of land.
| Eligibility Requirement | Description |
|---|---|
| Residency | Applicant must be a permanent resident of Punjab |
| Land Ownership | 5 marlas (urban) or 10 marlas (rural) |
| Home Status | Should not already own a constructed house |
| Loan Record | Must not be a defaulter of any government or bank loan |
| Verification | Must provide complete and true documents |
These requirements keep the process fair and focused, ensuring only low-income, land-owning families are selected for financial support.
Purpose and Impact of the Scheme
The main purpose of the Apni Chat Apna Ghar Loan Scheme is to make home ownership achievable for struggling families. Many households in Punjab have their own plots but face financial challenges in constructing homes. This initiative provides them the opportunity to convert their dreams into reality through government-backed, interest-free loans.
- Provides financial freedom to families who rely on rented housing.
- Improves the standard of living in both urban and rural areas.
- Encourages ownership and responsibility among citizens.
- Supports small-scale laborers and construction businesses.
Through this loan program, the government is not only giving financial aid but also promoting dignity and self-reliance among citizens.
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Step-by-Step Method To Check Name in Apni Chat Apna Ghar List 2026 Phase 2
Checking your name in the Apni Chat Apna Ghar Phase 2 list is simple and convenient. The Punjab government has introduced an online verification system on the official ACAG portal where applicants can confirm their status using their CNIC and district information.
- Visit the official ACAG website: https://acag.punjab.gov.pk/Layouts/BallotingResults.aspx
- Select the “Phase 2” or “Second Approval List” option from the drop-down menu.
- Choose your district name from the displayed list.
- Scroll down and locate the winner list for your region.
- Search your name or CNIC number within the list.
If your name appears, congratulations — your application has been approved, and you will soon receive details for loan disbursement. Applicants whose names are not yet listed should not worry, as new approvals are released periodically in future phases.
Checking Application Status Through Dashboard
Applicants who do not find their names in the list can still check their application status using the login portal. This feature ensures transparency and allows users to monitor their progress.
- Visit the official ACAG website at https://acag.punjab.gov.pk
- Click on the “Login” button on the homepage.
- Enter your CNIC number, password, and captcha code.
- Press “Submit” to open your dashboard.
- Your status will show as Approved, Verifying, or Ineligible.
This user-friendly system allows families to stay informed about their applications without visiting government offices or making repeated inquiries.
Loan Amount and Repayment Plan
The Apni Chat Apna Ghar Scheme provides easy and manageable repayment options so that beneficiaries can build their homes without facing financial stress. The entire structure has been planned to suit the income patterns of low-income families.
| Feature | Details |
|---|---|
| Loan Amount | Rs. 1,500,000 (15 lakh) |
| Interest Rate | 0% – Completely interest-free |
| Repayment Duration | 7 years (84 months) |
| Monthly Installment | Approximately Rs. 14,000 |
| First Three Installments | Fully waived |
The waiver of the initial three installments helps families focus on construction work during the early months. This practical repayment model reduces financial pressure while ensuring sustainability.
Required Documents for Verification
Applicants must provide complete and valid documents to verify their eligibility. Submitting accurate information is essential to ensure approval without delays or rejection.
- Original CNIC of the applicant.
- Proof of property ownership (5 marlas urban or 10 marlas rural).
- Income verification certificate or salary proof.
- Recent electricity bill for address verification.
- Passport-sized photograph.
- Active mobile number registered under applicant’s CNIC.
These documents must be up to date and genuine. Any false information may lead to cancellation of the application.
Benefits and Long-Term Impact
The Apni Chat Apna Ghar Program is transforming the lives of thousands of families across Punjab. By providing interest-free housing loans, the government is helping families who have long struggled with financial instability and lack of proper housing.
- Improves housing conditions for underprivileged families.
- Creates new jobs in the construction and materials sectors.
- Reduces reliance on private money lenders and interest-based loans.
- Encourages stability, dignity, and ownership among families.
This program has quickly become a symbol of hope and progress for Punjab’s low-income communities.
Importance of Checking the Winner List
Checking the Apni Chat Apna Ghar Winner List 2026 is a critical step for every applicant. It confirms whether your application has been approved or still under verification. Those whose names are listed can proceed to the next stage of loan disbursement through their local housing support centers.
Applicants not appearing in the list should remain patient, as the government continuously updates the approval lists in multiple phases. The transparent and digital nature of this process guarantees fairness for every applicant who meets the eligibility criteria.
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Future Phases and Expansion of the Program
The Punjab government has already announced that the Apni Chat Apna Ghar initiative will expand further in 2026, covering more districts and reaching additional families. The success of Phase 1 and Phase 2 has encouraged the authorities to continue supporting housing development across the province.
With continuous funding and efficient management, the program aims to make home ownership a reality for every deserving family in Punjab. Those who could not qualify this time will have new opportunities in upcoming rounds of the scheme.
Final Words
The Apni Chat Apna Ghar List 2026 Phase 2 marks a new chapter of hope for low-income families in Punjab. Through the Maryam Nawaz Loan Scheme, the government is turning the dream of owning a home into reality for thousands of citizens. With its interest-free structure, transparent selection, and user-friendly process, this initiative is setting new standards for public welfare.
Families whose names appear in the winner list should promptly complete verification and loan disbursement steps, while others should stay connected to the official portal for future updates. Punjab’s commitment to housing every deserving family continues, promising a secure and dignified future for its people.
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FAQs
1. What is the Apni Chat Apna Ghar Program?
It is a Punjab government housing initiative providing interest-free loans of up to Rs. 15 lakh to low-income families for home construction.
2. How can I check my name in the Phase 2 list?
Visit the official website acag.punjab.gov.pk, select “Phase 2” under Balloting Results, choose your district, and search for your name in the list.
3. What documents are required for verification?
You need your CNIC, proof of land ownership, income certificate, recent electricity bill, and a passport-sized photo.
4. What is the repayment plan for the loan?
The loan is interest-free, repayable over seven years, with the first three installments waived.
5. What should I do if my name is not in the list?
Log in to your ACAG dashboard to check your application status, as you may be approved in a later phase.