Apni Chhat Apna Ghar ACAG Scheme 2025 – Eligibility, Registration, Balloting & Benefits

Owning a home has always been one of the biggest dreams for families in Pakistan. Rising property prices, expensive financing options, and lack of transparent housing schemes have made this dream difficult, especially for low- and middle-income families. To solve this issue, the Government of Pakistan has introduced the Apni Chhat Apna Ghar ACAG Scheme 2025, a landmark housing project that promises affordable homes, simple registration, and long-term subsidies.

Unlike past housing initiatives, the ACAG 2025 Scheme is fully digital, transparent, and designed to ensure that only deserving citizens benefit. It is part of the government’s broader vision to reduce homelessness, improve living standards, and provide financial stability to hardworking families.

This guide will cover everything you need to know about ACAG 2025, including eligibility criteria, online registration, installment plans, subsidies, balloting, and approved projects in Punjab.

What is Apni Chhat Apna Ghar Scheme 2025 (ACAG)?

The Apni Chhat Apna Ghar Scheme 2025 (ACAG) is a government-backed housing program that offers affordable residential units to Pakistanis who cannot afford market-priced houses. The scheme is built on three main principles:

1. Affordability – Homes priced lower than market rates.
2. Accessibility – Easy online registration without middlemen.
3. Transparency – Fair balloting process to ensure equal opportunity.

The program is particularly aimed at:

• Low- and middle-income salaried families
• Daily wage earners
• Government employees with limited income
• Widows and women-led households
• Overseas Pakistanis (specific category)

This makes the ACAG Scheme not just a housing project but also a social upliftment initiative.

Eligibility Criteria & Required Documents for ACAG Scheme 2025

The Apni Chhat Apna Ghar ACAG Scheme 2025 has been carefully designed to benefit deserving citizens who genuinely need affordable housing. To maintain transparency and prevent misuse, the government has set strict eligibility conditions. Understanding these requirements is the first step toward a successful application.

Eligibility Criteria

1. Pakistani Citizenship
   • Only permanent citizens of Pakistan can apply.
   • Overseas Pakistanis can apply under a separate quota, but they must provide proof of nationality and foreign employment documents.
   • Dual nationality holders are allowed, provided they hold a valid Pakistani CNIC.
2. Age Requirement (18–60 Years)
   • Applicants must be at least 18 years old at the time of application.
   • The maximum age limit is 60 years, ensuring that installment plans can realistically be completed.
   • For widows or women applicants above 60, special relaxation may be granted under the Women Empowerment Quota.
3. No Prior Government Housing Ownership
   • The applicant (or any immediate family member) must not already own a house or flat through previous government housing schemes.
   • This condition ensures that new families and first-time buyers are prioritized.
4. Income Bracket Requirement
   • The scheme primarily targets low- to middle-income groups.
   • Income thresholds are defined by the government each year (for 2025, around PKR 30,000–150,000 household income bracket is expected).
   • Salaried employees, daily wage earners, and small business owners are all eligible, as long as their declared income falls within the approved bracket.
5. Valid CNIC & NADRA Verification
   • Applicants must hold a valid CNIC registered with NADRA.
   • All data is digitally verified, so incorrect or expired CNICs will lead to automatic rejection.
6. One Application per Family
   • Only one person per household (husband, wife, or dependent child) can apply.
   • Submitting multiple applications from the same family may lead to disqualification.

💡 Tip: If both husband and wife are eligible, apply under one name only to avoid duplication.

Required Documents

Applicants need to prepare and upload the following documents while registering online:

1. CNIC Copy
   • Clear front and back scan of a valid CNIC.
   • Ensure CNIC is not expired at the time of submission.
2. Proof of Income
   • Salaried Persons: Salary slip (last 3 months) or employer certificate.
   • Self-Employed: Business statement, tax return, or affidavit of income.
   • Daily Wage Earners: Attested affidavit confirming monthly income.
3. Family Registration Certificate (FRC)
   • Issued by NADRA to verify family structure.
   • Confirms household members, reducing chances of multiple entries from one family.
4. Utility Bills (For Address Verification)
   • Recent electricity, gas, or water bill with applicant’s residential address.
   • If bills are not in applicant’s name, an affidavit or landlord verification may be required.
5. Passport-Size Photographs
   • Latest colored photographs with white background.
   • Digital copies should be less than 1MB in size for smooth upload.

Additional Documents (If Applicable)

• Widows: Husband’s death certificate.
• Disabled Persons: Disability certificate from NADRA or relevant authority.
• Overseas Pakistanis: Copy of passport, foreign work permit, or valid visa.
• Government Employees: Service certificate and department NOC (No Objection Certificate).

Important Notes for Applicants

Incomplete applications will not be processed.

All documents must be scanned in clear, readable format before uploading.

Use only official documents; fake or tampered papers will result in legal action and permanent blacklisting.

Keep both digital and physical copies ready, as successful applicants may be called for verification at later stages.

ACAG Online Apply 2025 – Step-by-Step Registration Guide

The government has made the Apni Chhat Apna Ghar (ACAG) Scheme 2025 fully digital to ensure transparency and convenience for applicants. Unlike previous housing schemes, there is no need for long queues, agents, or paperwork. Everything can be completed from the comfort of your home using the official PAVE portal.

Below is the step-by-step guide to applying online for ACAG 2025:

Step 1: Visit the Official Portal

• Go to the official website: pave.com.pk
• Select the ACAG Scheme 2025 section from the homepage.
• Make sure you are on the authentic government domain. Fake websites often appear during such programs, so always verify the URL.

💡 Tip: Bookmark the page to avoid confusion and phishing attempts.

Step 2: Create an Account

• Click on “Register Now” to create your personal account.
• Enter your CNIC number, active mobile number, and email address.
• A verification code (OTP) will be sent to your mobile and email.
• Enter the OTP to activate your account.

🔒 Note: Always use your own CNIC and mobile number. Using another person’s CNIC may result in disqualification.

Step 3: Fill in the Application Form

• Log in to your account and open the application form.
• Enter accurate details, including:
  • Full Name (as per CNIC)
  • Father’s/Husband’s Name
  • Family members details
  • Household income and occupation
  • Employment type (salaried, daily wage, business)
  • Housing preference (house, flat, or apartment unit)
• Review the form carefully before proceeding.

⚠️ Warning: Providing false or mismatched information (such as fake income statements) will lead to rejection and possible blacklisting from future schemes.

Step 4: Upload Required Documents

• Prepare scanned copies of all necessary documents in advance (JPEG or PDF format).
• Upload:
  • CNIC front & back
  • Proof of income (salary slip, business statement, or affidavit)
  • Family Registration Certificate (FRC)
  • Utility bill for address verification
  • Recent passport-size photographs
• File size should not exceed the portal’s upload limit (usually 1–2 MB per file).

💡 Pro Tip: Scan documents clearly with no blurriness. Poor-quality uploads may cause your application to be flagged as incomplete.

Step 5: Pay the Application Fee (If Applicable)

• In some phases, a nominal application fee may be required.
• Payments can be made via:
  • Online bank transfer
  • Mobile wallets (JazzCash, Easypaisa, etc.)
  • Partner banks listed on the portal
• Save the receipt and upload it if required.

Step 6: Submit the Application

• After completing all fields and uploads, click “Submit Application.”
• You will receive a confirmation message and tracking ID via SMS and email.
• This tracking ID will allow you to monitor your application status in future.

Step 7: Check Your Application Status

• Applicants can log back into the portal anytime.
• Enter your CNIC number to track the current status of your application.
• Statuses may include: Submitted, Under Review, Verified, or Selected in Balloting.

Important Tips for Applicants

Do not pay any middleman or agent. The entire process is government-run and free of corruption.

Double-check CNIC and income details before submission.

Do not use shared or fake phone numbers; all updates will be sent via SMS.

Apply early—last-day submissions often face server slowdowns.

Keep a hard copy of your application and receipt for records.

Benefits of Apni Chhat Apna Ghar (ACAG) Scheme 2025

The scheme offers several benefits that make it different from private housing projects:

• Affordable Housing Units: Prices kept lower than market value.
• Easy Installments: Flexible monthly payment plans suitable for salaried class.
• Subsidy Support: Government covers a portion of the cost.
• Transparent Balloting: Fair selection process ensures equal chances.
• Secure Ownership: Full legal ownership once installments are completed.
• Women Empowerment: Special quota for widows and women-led households.
• Digital Process: No middlemen, reducing corruption and delays.

This scheme is truly designed to help families achieve their dream of home ownership without financial burden.

Apni Chhat Apna Ghar Price & Installment Plan 2025

The price structure is set according to affordability:

• Standard Unit Price: Lower than open market rates.
• Government Subsidy: Reduces cost burden by up to 30%.
• Installments: Monthly payments kept within reach of middle-income families.

Sample Installment Plan

• Total Unit Price: Rs. 3,000,000
• Subsidy (30%): Rs. 900,000
• Buyer Contribution: Rs. 2,100,000
• Monthly Installment: Rs. 15,000 – Rs. 25,000 (depending on tenure)

This structure makes housing possible even for families earning modest incomes.

ACAG Balloting Results 2025 – Check Online

Since demand is high, balloting is used to select beneficiaries fairly.

• Balloting Date: Announced on official portal.
• Process: Computerized and fully transparent.
• Checking Results: Applicants can check status online by entering CNIC.
• Next Steps: Selected applicants are informed via SMS and email for further processing.

Unsuccessful applicants may reapply in the next phase.

Government Subsidies in ACAG Scheme 2025

The government has allocated billions in subsidies to make ACAG 2025 successful.

Types of subsidies include:

1. Direct Cost Subsidy – Government pays a portion of house price.
2. Bank Loan Support – Partnership with banks to reduce interest rates.
3. Long-Term Repayment – Up to 20 years installment plans.
4. Special Quotas – For widows, disabled, and government employees.

This ensures wider participation and makes homes accessible for all.

ACAG Approved Projects Punjab 2025 – Full List

The scheme is being rolled out across Punjab in multiple cities:

• Lahore – Housing blocks near Ring Road.
• Faisalabad – Affordable flats near city center.
• Multan – Subsidized residential colonies.
• Bahawalpur – Low-cost housing clusters.
• Rawalpindi & Gujranwala – Under development.

👉 Official project list can be checked at:
https://pave.com.pk/acag-approved-projects-2025

Registration Mistakes to Avoid in ACAG 2025

Many applications get rejected due to avoidable mistakes. Avoid:

• Entering wrong CNIC number
• Submitting fake documents
• Applying multiple times per family
• Missing deadlines
• Not matching income details with bank records

Careful registration ensures smooth approval.

ACAG vs Old Housing Schemes – Comparison 2025

Clearly, ACAG is far more progressive and transparent.

ACAG FAQs & Latest Updates 2025:

Conclusion

The Apni Chhat Apna Ghar ACAG Scheme 2025 is more than just a housing project—it’s a social reform initiative that brings hope to millions of Pakistanis struggling with housing issues. With affordable prices, subsidies, transparent registration, and fair balloting, the scheme is set to change the housing landscape of the country.

For families who have always dreamed of owning a house, ACAG 2025 is a once-in-a-lifetime opportunity to make that dream come true.