Required Documents for Apni Chhat Apna Ghar Application 2025
The Required Documents for Apni Chhat Apna Ghar Application 2025 is a major housing initiative launched by the Government of Punjab under Chief Minister Maryam Nawaz Sharif. The program aims to provide affordable housing units and residential plots to low- and middle-income families. To apply successfully, applicants must prepare all required documents before submitting their registration forms.
This detailed guide explains all the required documents, how to prepare them, eligibility proof requirements, and tips for smooth verification under the Apni Chhat Apna Ghar Housing Scheme 2025.
🌟 What Is Apni Chhat Apna Ghar Scheme 2025?
The Apni Chhat Apna Ghar (ACAG) program is a welfare housing scheme designed to fulfill the dream of every deserving Pakistani family — “Har Ghar Apna Ghar.”
The Punjab government has partnered with banks and housing authorities to offer interest-free or low-markup home loans, subsidized plots, and ready-made houses to eligible applicants. Priority is given to:
- Low-income salaried employees
- Widows and orphans
- Government servants without personal property
- Residents living in rented houses
- PMT-eligible families (poverty score below the set limit)
The project not only aims to solve housing problems but also to boost local employment through construction and related industries.
🧾 Why Documents Are Important in the Apni Chhat Apna Ghar Application Process
Submitting accurate and verified documents is the foundation of your application. The Punjab Housing Department and partner banks use these documents to:
- Verify your identity and income
- Confirm ownership or non-ownership of property
- Check your eligibility under PMT score criteria
- Validate your residential and employment details
- Prevent fraudulent or duplicate registrations
Incomplete or fake documentation can result in disqualification or delay in loan approval — that’s why careful preparation is essential.
📋 Complete List of Required Documents for Apni Chhat Apna Ghar Application 2025
Below is the complete list of documents required for registration under the Apni Chhat Apna Ghar Scheme 2025.
| Category | Document Name | Purpose/Details |
|---|---|---|
| Identity Proof | CNIC (Computerized National Identity Card) | To verify applicant’s identity and family record |
| Address Proof | Recent utility bill (Electricity, Gas, or Water) | To confirm current residential address |
| Income Proof | Salary slip or employer certificate | To determine financial eligibility and repayment capacity |
| Employment Proof | Job letter or contract | Especially for salaried and government employees |
| Property Certificate | Fard (Property Ownership Record) / Non-ownership affidavit | To confirm you don’t already own a house |
| Bank Statement | Last 6 months statement | To assess income stability and banking history |
| PMT Score Verification | Copy of PMT score or BISP record | For low-income verification through poverty score |
| Photographs | Passport-size photos (2–4) | For form attachment and identification |
| NADRA Family Registration Certificate (FRC) | FRC copy | To confirm family details and dependents |
| Widow/Disability Proof (if applicable) | Death certificate / Disability certificate | For special quota eligibility |
| Declaration Form | Attested by Oath Commissioner | To confirm all information provided is true |
🏠 Documents Required for Government Employees
If you’re a government servant applying under the Apni Chhat Apna Ghar 2025 scheme, you need to attach some additional papers.
Additional Documents:
- Departmental NOC (No Objection Certificate)
- Salary verification from AG Office or DDO
- Service certificate with date of joining
- Copy of employee ID card
- Pension record (if retired)
Tip: Always get your documents attested before submission to avoid rejection at the bank verification stage.
Read Also: CM Punjab Apni Chhat Apna Ghar Scheme 2025 Phase 2: A Complete Guide
👨👩👧👦 Documents Required for Private Employees or Labor Workers
Private sector employees and daily wage workers can also apply by providing the following:
- CNIC copy
- Salary slip or employer letter (on company letterhead)
- Bank statement (minimum 3–6 months)
- Rent agreement (if living on rent)
- Utility bills
- Non-ownership affidavit
If you’re self-employed (e.g., shopkeeper, freelancer, or small business owner), attach business registration papers, market license, or income tax return (if applicable).
🧮 PMT Score and BISP Verification Documents
The PMT (Poverty Means Test) score is one of the key eligibility factors for Apni Chhat Apna Ghar. It helps the government identify financially weak families.
Required for PMT Verification:
- Copy of CNIC of the applicant and spouse
- Copy of BISP or Ehsaas registration slip (if enrolled)
- NADRA-verified PMT score printout (available via 8171 Portal)
- Any proof of monthly income less than the prescribed limit
Your PMT score must fall within the official eligibility range (e.g., 0–32). Those above this range may still apply under the General Housing Category but without subsidy.
🏦 Documents Required for Bank Loan Processing
Once your initial application is accepted, your case moves to the partner bank (e.g., Bank of Punjab, Bank Alfalah, HBL, or Meezan Bank) for financing verification.
Banks require the following additional papers:
| Document Type | Details |
|---|---|
| Loan Application Form | Provided by the bank during processing |
| CNIC copies (self + spouse) | Must match with NADRA database |
| Salary slip / Business income proof | Verified income for loan eligibility |
| Bank statement (6–12 months) | Income and transaction verification |
| Property details / plot number | Required for home construction loan |
| Two guarantors (if required) | CNIC + income proof of guarantors |
| Utility bill (latest) | Address confirmation |
| Applicant photographs | 2 recent passport-size |
🧾 Optional but Helpful Supporting Documents
Although not compulsory, these documents can increase your approval chances and speed up verification:
- Tax registration certificate (if applicable)
- NTN (National Tax Number) proof
- Rental agreement for current residence
- Education certificate (to verify employment background)
- Marriage certificate (for family quota confirmation)
These papers help show stability and social reliability, which banks and government agencies prefer.
Read More: How to Access the ACAG.Punjab.Gov.PK List of Eligible Applicants
📝 How to Submit Apni Chhat Apna Ghar Documents 2025
Step-by-Step Process
- Download or Collect Form:
Get the official application form from the Punjab Housing Department or designated banks. - Attach All Required Documents:
Arrange your documents according to the checklist provided above. - Get Attested Copies:
Attest all photocopies from a Grade-17 officer, Oath Commissioner, or Union Council. - Submit to the Nearest Bank or Portal:
Submit your form and documents either:- Physically at the designated bank branch, or
- Digitally via the official Apni Chhat Apna Ghar portal (if online submission is available).
- Wait for Verification Call:
Once verified, you’ll receive a confirmation message or call for site visit or interview. - Track Application Status:
Use your CNIC number to check progress through the official website or SMS service.
📑 Tips for Document Preparation and Submission
- Keep two photocopy sets of all documents.
- Don’t submit original papers unless required.
- Ensure all documents have matching names and addresses.
- Cross-check spellings on CNIC and bank forms.
- Submit documents before the last date (15 October 2025) to avoid rejection.
- Always keep your mobile number active for verification calls.
🧭 What Happens After Submitting the Documents?
After submission:
- Initial Scrutiny: Officials check if all papers are attached and valid.
- PMT Score Verification: NADRA and BISP verify income level.
- Bank Financial Assessment: Partner bank assesses repayment capacity.
- Site or Plot Verification: Physical verification may be done by housing authority.
- Approval & Allotment: Successful applicants are informed through SMS and letter.
- Loan Agreement Signing: Applicants finalize terms and begin construction/ownership process.
⚠️ Common Mistakes to Avoid
- Submitting incomplete forms or missing pages
- Using expired CNIC or old address details
- Failing to attest documents properly
- Providing incorrect PMT score or mismatched data
- Submitting fake property certificates
Such errors may delay your case or permanently disqualify your application.
✅ Final Checklist Before Submission
| ✔️ | Document Name | Status |
|---|---|---|
| CNIC (self + spouse) | ✅ | |
| 2 passport-size photographs | ✅ | |
| Salary slip / income proof | ✅ | |
| Fard / Non-ownership affidavit | ✅ | |
| Utility bill copy | ✅ | |
| Bank statement (6 months) | ✅ | |
| PMT/BISP record | ✅ | |
| Attested form | ✅ |
Keep one full set of these documents for your personal record.
🏘️ Future Phases & Online Document Upload Feature
The Punjab government plans to introduce Phase-2 online registration through the Apni Chhat Apna Ghar digital portal, where applicants will be able to:
- Upload scanned copies of all documents
- Track status online
- Download verification letters
This digital process will simplify the workflow and improve transparency.
Read Also: How to Online Apply for the ACAG Program
📚 FAQs – Required Documents for Apni Chhat Apna Ghar 2025:
Q1: Can I apply without a PMT score?
You must have a PMT or BISP score to qualify for subsidized housing. Without it, you can apply under the general housing category without subsidy.
Q2: Is attestation mandatory?
Yes. All photocopies must be attested by a government officer or Oath Commissioner.
Q3: How many photographs are needed?
Attach at least two passport-size photographs with your form.
Q4: Can I submit my spouse’s documents if I’m not employed?
Yes. The spouse’s income proof can be considered if both names are on the application.
Q5: Is a rent agreement compulsory?
It’s not mandatory but helps prove your non-ownership status.
🏁 Conclusion:
Preparing the Required Documents for Apni Chhat Apna Ghar Application 2025 carefully ensures a smooth registration and increases your chances of approval. The scheme offers a life-changing opportunity for low-income families to own a home under transparent, merit-based criteria.
Always verify your documents, keep them updated, and apply before the deadline to secure your place in this historic Punjab housing initiative.
