Apni Chhat Apna Ghar Scheme 2025 – 5 Types of People Disqualified
The Apni Chhat Apna Ghar Scheme 2025, launched under the vision of Punjab Chief Minister Maryam Nawaz, is a major step toward affordable housing for low and middle-income families. Through this initiative, thousands of citizens across Punjab now have a chance to register online at acag.punjab.gov.pk and secure their dream home on easy monthly installments.
However, it is equally important to understand that this program is not open to everyone. The government has set strict eligibility conditions to ensure that only deserving families benefit. Many applicants get disqualified because of common mistakes or wrong assumptions.
In this guide, we will explain the five categories of applicants who are disqualified, along with the correct registration process, the repayment and rebate plan, and official contact details.
Who Can Apply for Apni Chhat Apna Ghar Scheme 2025?
Before discussing disqualified groups, here’s a quick recap of the basic eligibility criteria:
- Must be a Pakistani citizen with a valid CNIC.
- Should not already own a house or property in Punjab.
- Must belong to low or middle-income categories.
- Personal, family, and residential details must be correct.
- Registration should only be done via the official ACAG portal.
If you meet these requirements, you can proceed to the official online registration form at ACAG Portal.
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5 Types of People Disqualified from Apni Chhat Apna Ghar 2025
1. Existing Homeowners
Anyone who already owns a house, plot, or flat in Punjab is automatically disqualified. The program strictly targets those families who have never owned a house before.
2. Fake or Incorrect CNIC Information
Applicants submitting expired CNICs, fake numbers, or wrong family details are rejected during NADRA verification. Even small mistakes in CNIC entries can lead to rejection.
3. High-Income Families
The scheme is for low and middle-income families only. Applicants with high declared salaries, multiple businesses, or large property holdings do not qualify.
4. Defaulters of Previous Government Loans
Those who previously took loans from government schemes but failed to repay are disqualified. Loan history is checked during verification.
5. Duplicate or Multiple Applications
If more than one person from the same family applies, or if someone submits duplicate entries using different CNICs, the system flags it as fraud and cancels all applications.
Online Registration Process for Apni Chhat Apna Ghar 2025
- Visit the official portal: acag.punjab.gov.pk
- Enter details: Full Name, CNIC, Father/Husband Name, Gender, Division, District, Tehsil, City.
- Provide your mobile number and select the correct network.
- Create and confirm a password.
- Submit the form.
After registration, applicants can log in using CNIC and password on the Login Page to check application status.
Eligibility vs Disqualification
| Criteria | Eligible Families | Disqualified Families |
| Owns a house | No | Yes |
| CNIC Status | Valid and Verified | Fake, Expired, Incorrect |
| Income Level | Low to Middle | High-Income / Business Class |
| Loan History | No default history | Previous loan defaulters |
| Applications | Single Family Application | Multiple / Duplicate Submissions |
Repayment and Rebate Policy
The Punjab Government has introduced an early payment rebate system to encourage families to repay loans faster.
| Repayment Period | Rebate on Principal Loan |
| 1 to 3 Years | 20% rebate |
| 4 to 6 Years | 10% rebate |
This means if you manage to pay installments earlier than planned, you can save thousands of rupees on the total loan amount.
Why Duplicate Applications Lead to Instant Rejection
Duplicate applications in the Apni Chhat Apna Ghar Scheme 2025 are strictly prohibited. If a person tries to apply using the same CNIC or different family members apply separately, the system automatically detects it and marks it as fraud. This is done to ensure fairness and transparency, so that every eligible family gets an equal opportunity.
Contact Information for Applicants
- Phone Numbers: 042-99213419, 042-99213428
- Email: [email protected]
- Official Website: acag.punjab.gov.pk
Conclusion
The Apni Chhat Apna Ghar Scheme 2025 is a once-in-a-lifetime opportunity for deserving Pakistani families to own their homes through government support. However, only genuine and transparent applicants will be approved. By carefully entering your CNIC details, avoiding duplicate applications, and ensuring your income falls within the defined limit, you can increase your chances of success.
Frequently Asked Questions
Q1: Who can apply for Apni Chhat Apna Ghar 2025?
Any Pakistani citizen without a house and with low or middle income.
Q2: Can I apply if I already own a small house?
No, homeowners are not eligible.
Q3: How can I register online?
You can apply only through the official portal acag.punjab.gov.pk.
Q4: What happens if I enter the wrong CNIC?
Your application will be rejected after NADRA verification.
Q5: Is there any rebate on early loan repayment?
Yes, up to 20 percent rebate if you repay within 3 years.
