Apna Ghar Scheme Online Registration 2026: Step by Step Guide

There are two Apna Ghar schemes. The federal PM Apna Ghar Programme gives first-time homeowners loans up to Rs10 million at 5% markup for 10 years, applied for online at apnaghar.gov.pk. Punjab's Apni Chhat Apna Ghar helps low-income plot owners build a home, applied for at acag.punjab.gov.pk.

Which scheme should you choose?

Quick rule: no house and no plot, choose the federal scheme. Own a small plot in Punjab, check Apni Chhat Apna Ghar first.

PM Apna Ghar Programme (federal)

Key terms at a glance

Illustrative monthly installments (first 10 years)

These figures were reported at launch. Your bank's final figure may differ.

After year 10, the rate moves to a market-based rate, so the installment can change.

Who can apply?

An SBP official said all citizens who do not own a house in their name can apply. Older applicants may apply with co-applicants who have a reliable income. No specific income limit was set, and applicants without salary slips can apply. Banks still decide approval.

Documents and details to keep ready

• CNIC

• A working mobile number and email address

• Income and job or business details

• Details of the house or plot you want to buy or build

• Any other document the application form asks for

How to apply online

The portal's screens may change, so follow the on-screen instructions.

1. Open the official site. Type apnaghar.gov.pk into your browser. Do not use links from WhatsApp or social media.

2. Register or start an application with your CNIC and contact details.

3. Verify with the code sent to your phone or email.

4. Complete the form with your personal, income and property details.

5. Upload documents and submit.

6. Track your application and follow up with the bank handling it.

After you apply: timelines and reality check

• Processing time: SBP has made it mandatory for banks to process applications within 15 days, according to a June 2026 report.

• Approval is not disbursement. On October 9, 2026, the prime minister was told that Rs426 billion in loans had been approved and Rs76 billion disbursed, against a Rs700 billion target for 125,000 housing units. He asked banks to narrow that gap.

• Property checks. In September 2026 the prime minister directed provincial chief secretaries to survey properties on which banks could lend. Expect the bank to check the property as well as you.

Apni Chhat Apna Ghar (Punjab)

Eligibility, per the Punjab government

• Head of a nuclear family, as per NADRA records

• Permanent resident of Punjab, as per CNIC

• Sole owner and possessor of land of up to 5 marla in urban areas or up to 10 marla in rural areas in Punjab, where you plan to build

• No serious criminal record, and not a loan defaulter

• Registered in the National Socio-Economic Registry (NSER) with a PMT score of 60 or less

How to register

1. Open acag.punjab.gov.pk and go to citizen registration.

2. Fill in the form and create your account.

3. Complete the eligibility form.

4. Choose your loan category:

   • Construction loan to build a house on your plot

   • Mehfooz Chhat for roof repair or an additional floor. An additional-floor loan of up to Rs1 million was announced in 2026.

5. Submit and track your application online.

Offline help through Deputy Commissioner offices has been reported. Confirm with PHATA before you travel.

How to avoid scams

• Use only apnaghar.gov.pk and acag.punjab.gov.pk.

• Never pay anyone to register you or to speed up your file.

• Never share your OTP.

• Ignore calls, links and Facebook pages that promise guaranteed approval.

• Check the web address carefully before you enter your CNIC.

Common mistakes to avoid

Common problems

Frequently Asked Questions. 

Is Apna Ghar registration free?
An SBP official said banks will not charge a processing fee under the PM Apna Ghar Programme. Other costs, such as valuation or insurance, may apply, so ask your bank.

Is the PM Apna Ghar loan interest-free?
No. It carries a subsidised 5% markup for the first 10 years. Punjab's Apni Chhat Apna Ghar loan is interest-free.

Can I apply if I already own a house?
The federal scheme is for people who do not own a house in their name.

What is the maximum PM Apna Ghar loan?
Rs10 million, with 5% markup for the first 10 years.

How long does approval take?
SBP requires banks to process applications within 15 days. Disbursement can take longer.

Which scheme is for Punjab plot owners?
Apni Chhat Apna Ghar, at acag.punjab.gov.pk.

Are the two schemes the same?
No. One is a federal bank-loan programme and the other is a Punjab government scheme with its own portal and rules.