ACAG for Overseas Pakistanis Who Can Apply & How in 2025 Full Guide:

The ACAG for Overseas Pakistanis initiative, launched by the Punjab Government, is a groundbreaking program aimed at providing affordable housing to the residents of Punjab. In 2025, the scheme expanded its eligibility to include Overseas Pakistanis, allowing them to apply for affordable homes under the ACAG for Overseas Pakistanis quota. This step marks a significant milestone in enabling expatriates to invest in their home country and ensure a secure future for their families.

Overseas Pakistanis have long played a vital role in the socio-economic development of Pakistan by sending remittances and contributing to the country’s economy. Recognizing their contribution, the Punjab Government has created a special opportunity for them to secure homes under the ACAG scheme. This initiative allows them to fulfill their dream of owning a home in their homeland, even while residing abroad.

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In this guide, we will explore who is eligible to apply under the ACAG for Overseas Pakistanis program, the step-by-step application process, and the key benefits this scheme offers. This post will answer all your questions and provide you with all the information you need to get started.

Key Features of ACAG for Overseas Pakistanis:

1. Special Quota for Overseas Pakistanis: A designated percentage of homes are reserved for Overseas Pakistanis, ensuring they can benefit from the affordable housing initiative.
2. Priority Balloting: Overseas Pakistanis are given priority during the balloting process, increasing their chances of securing a home under the ACAG scheme.
3. Easy Financing Options: The scheme offers affordable financing plans with easy installments, ensuring that overseas Pakistanis can manage payments comfortably.
4. Remote Application Process: Overseas Pakistanis can apply for the ACAG scheme from abroad through an online portal, making the process convenient and hassle-free.
5. Secure Investment Opportunity: ACAG provides Overseas Pakistanis with a secure investment in property in Pakistan, offering long-term value for money and property ownership.

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Overseas Pakistanis housing 2025 Eligibility Criteria:

To apply for the ACAG for Overseas Pakistanis scheme, applicants must meet the following criteria:

1. Pakistani Citizenship: The applicant must be a Pakistani national holding valid citizenship and must provide proof of their citizenship.
2. Overseas Residency: The applicant must be residing abroad at the time of application and should be able to provide proof of their residence status (e.g., visa, work permit, etc.).
3. Domicile Requirement: The applicant must have a valid Punjab domicile or meet the government’s residency requirements as set for the scheme.
4. Income Requirement: The applicant must meet the income thresholds specified for the low-income housing scheme under the ACAG program.
5. Required Documents: Applicants must submit necessary documents, including:
   • CNIC/NICOP
   • Proof of residence abroad (e.g., visa, work permit)
   • Proof of income (salary slips, bank statements, etc.)
   • Domicile (if applicable)

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Application Process for Overseas Pakistanis:

1. Step 1: Registration: Overseas Pakistanis can begin by registering on the official ACAG portal. The registration process requires basic personal details, including your CNIC, contact information, and overseas residency status.
2. Step 2: Document Submission: After registration, applicants must upload the necessary documents, such as proof of their Pakistani citizenship, residency abroad, income statements, and domicile (if applicable).
3. Step 3: Application Fee: A small application fee may be required, which can be paid through online banking or any other digital payment method.
4. Step 4: Balloting: Once the applications are submitted, the balloting process takes place. Overseas Pakistanis will be prioritized in the balloting, increasing their chances of securing a home.
5. Step 5: Home Allocation: If selected in the balloting, the applicant will be allocated a home, after which they must sign the agreement and complete payment formalities.

Benefits of ACAG for Overseas Pakistanis:

1. Affordable Housing: ACAG provides an affordable pathway for overseas Pakistanis to secure property in Pakistan, with flexible payment plans designed to accommodate their financial situations.
2. Priority Selection: Overseas Pakistanis are given priority during the balloting process, ensuring they have a higher chance of receiving a home.
3. Financial Security: By investing in property in their homeland, overseas Pakistanis can ensure long-term financial security for themselves and their families.
4. Simplified Process: The online application process makes it easier for overseas Pakistanis to apply, eliminating the need for them to be physically present in Pakistan.

ACAG Overseas Pakistanis 2025 FAQs:

1. Who can apply for the ACAG for Overseas Pakistanis program?
   • Pakistani nationals living abroad (overseas Pakistanis) who meet the residency and income requirements.
2. Do I need to be a resident of Punjab to apply?
   • Yes, applicants must meet the domicile requirement for Punjab, or otherwise fulfill the provincial residency criteria.
3. What documents do I need to submit?
   • Required documents include CNIC, proof of overseas residency (visa or work permit), income proof, and Punjab domicile (if applicable).
4. Can I apply for the ACAG scheme from abroad?
   • Yes, the application process is fully online, allowing you to apply from anywhere in the world.
5. Is there a special quota for overseas Pakistanis?
   • Yes, a special quota has been reserved for overseas Pakistanis under the ACAG for Overseas Pakistanis program.
6. How do I make the application payment?
   • Payments can be made through online banking or other digital payment methods, as per the guidelines provided on the ACAG portal.
7. What is the balloting process, and how does it work?
   • After applications are submitted, a balloting process is held, with overseas Pakistanis given priority in the selection.
8. What are the payment options under the scheme?
   • The program offers flexible financing options with easy installment plans based on income levels.
9. What happens if I am selected in the balloting?
   • If selected, you will be allocated a home and asked to complete formalities such as signing the agreement and paying the required amount.
10. How can I track the status of my application?

• You can track the status of your application through the ACAG portal by logging in with your registration details.

Apply for ACAG scheme from abroad Conclusion:

The ACAG for Overseas Pakistanis program is a monumental step in providing overseas Pakistanis with the opportunity to own affordable homes in their homeland. By offering priority balloting, easy financing options, and a fully digital application process, the scheme ensures that overseas Pakistanis can invest in property securely and conveniently.

This initiative not only fulfills the housing needs of expatriates but also strengthens the bond between them and their home country. For many overseas Pakistanis, securing a home in Pakistan provides not just a roof but also a long-term investment that ensures financial stability for future generations.

By offering overseas Pakistanis an opportunity to own a home in Pakistan, the government is fostering a deeper connection between the diaspora and the nation. The ACAG for Overseas Pakistanis program is a win-win, providing a path to homeownership while boosting Pakistan’s real estate sector and economy.