Apna Ghar Online Registration 2026 – Complete Guide
Quick overview: Pakistan currently runs two housing initiatives under the “Apna Ghar” banner – the federal Prime Minister Apna Ghar Programme and the Punjab‑based Apni Chhat Apna Ghar. Both schemes let eligible families apply for subsidised home financing online. This page explains the key differences, who can apply, documents you’ll need and the exact steps to register on each portal.
Eligibility criteria
The basic eligibility requirements differ slightly between the federal and Punjab schemes. Use the table below to check where you fit. If you meet both sets of criteria you may apply to both, but you will only receive financing from one scheme.
| Requirement | PM Apna Ghar (Federal) | Apni Chhat Apna Ghar (Punjab) |
|---|---|---|
| Citizenship & residence | Pakistani citizen living in any province or territory | Resident of Punjab with CNIC showing a Punjab address |
| First‑time home buyer | Yes, you must not own a house in Pakistan | Yes, must not already own a constructed house (small plots allowed) |
| Income range | Stable, verifiable monthly income (salary or business); no fixed cap but must support loan repayments | Household income generally below Rs 60,000/month; PMT score ≤ 60 |
| Age limit | 25–60 years (up to 65 years for self‑employed) | 25–60 years |
| Equity contribution | 10 % of property value (paid from your savings) | No equity; interest‑free loan up to Rs 1.5 million |
| Property type | Purchase of a new house or plot+construction anywhere in Pakistan | Construction on your existing small plot (≤ 5 marla urban or ≤ 10 marla rural) |
Required documents
You will need to upload clear scans of these documents. Try to scan at 300 DPI or use a document‑scanner app; photographs are often rejected as “unclear”.
- Both sides of your CNIC
- Proof of income: recent salary slips or bank statements (last 6–12 months)
- Employment certificate (salaried) or business registration/tax documentation (self‑employed)
- Proof of your equity contribution (for PM Apna Ghar)
- Evidence of land ownership (for Apni Chhat Apna Ghar applicants)
- Recent utility bill showing your current address
How to register online
1. Visit the official portal
Go directly to the official registration portal:
- PM Apna Ghar: apnaghar.gov.pk
- Apni Chhat Apna Ghar: acag.punjab.gov.pk
Do not trust social‑media links or third‑party websites. Look for the Government of Pakistan or Government of Punjab logos on the home page.
2. Create your account
On both portals you must first create an account. Provide your 13‑digit CNIC, a mobile number registered in your own name, a working email address and a strong password. You will receive a one‑time verification code (OTP) via SMS and a confirmation link by email.
3. Complete the application form
Once logged in, fill out the online form. Typical sections include personal details, family information, employment and income, property requirements and loan preferences. Take your time; you cannot change critical fields such as CNIC and date of birth after submission.
4. Upload your documents
Upload the scanned documents listed above. Ensure each file is under the maximum allowed size (usually 2 MB) and clearly legible. You may need to combine pages into a single PDF.
5. Submit and note your tracking ID
Review all details and submit the form. The portal will display a tracking/reference number and send confirmation via SMS and email. Banks or housing authorities will contact you within a few days to verify your information.
Login & status check
After submitting your application you can log back into the portal to check the status. Enter your CNIC and password, then select “Application Status”. Federal applicants will also need the tracking ID when contacting partner banks. Punjab applicants can check status by CNIC alone.
Important dates
Registration for both schemes is open on a rolling basis as of May 2026. There is currently no fixed last date, but both programmes may close once their initial quotas are filled (50,000 units in Phase 1 for the federal scheme). Apply as early as possible to avoid disappointment.
Frequently asked questions
Can I apply for both schemes? Yes. If you meet the criteria for the federal and Punjab programmes you may apply to both, but you can only accept one final financing offer.
Is there any fee for applying? No. Registration is free on both portals. Beware of anyone asking for “processing fees” outside of the official bank channels.
What is the PMT score? The Poverty Measurement Tool (PMT) is a score used by Pakistan’s social protection programme to identify low‑income households. A score of 60 or below generally qualifies you for interest‑free loans under the Punjab scheme.
How long does approval take? After submitting your form, the bank or housing authority will contact you within a few working days. Final approval depends on verification and may take several weeks.
Sources & references
This guide was compiled from publicly available resources, including announcements from the Government of Pakistan, State Bank of Pakistan and the Government of Punjab. For the most up‑to‑date details always refer to the official portals: apnaghar.gov.pk and acag.punjab.gov.pk.