Who Is Eligible for the ACAG Punjab Housing Scheme 2026? (Complete Eligibility Guide)
The Apni Chhat Apna Ghar (ACAG) Punjab Housing Scheme 2026 is a major government initiative designed to support low-income and middle-income families who cannot afford heavy rents, expensive bank loans or private housing prices. To make sure this scheme truly benefits deserving citizens, the Punjab Government has set clear eligibility criteria.
If you want to apply, it is very important to understand who is eligible for the ACAG Punjab Housing Scheme 2026, so your application is not rejected during verification.
✅ Basic Eligibility Requirements
To qualify for the Apni Chhat Apna Ghar Scheme 2026, the applicant must fulfill the following basic conditions:
1️⃣ Applicant Must Be a Resident of Punjab
Only permanent Punjab residents are eligible.
Applicants must provide:
- Valid CNIC
- Punjab address proof
- Family details
This ensures the scheme benefits local families who genuinely need housing assistance.
2️⃣ Land Ownership Is Compulsory (Must Have Plot)
The ACAG scheme provides loan for construction, not for purchasing land.
So, the applicant must already own a plot.
Eligible Land Size:
- Urban Areas: 1 to 5 Marla
- Rural Areas: 1 to 10 Marla
Land must be:
✔ Within Punjab
✔ Legally registered
✔ Free from major disputes
✔ Suitable for construction
Without land, construction loan will not be approved.
Check Also: How to Apply Online for Apni Chhat Apna Ghar Program 2026? (Complete Registration Guide)
3️⃣ Low-Income Families Get Priority
The ACAG Punjab Housing Scheme is specially designed for financially weak families.
Preferred income category:
👉 Monthly income below PKR 60,000
The purpose is to support people who:
- Cannot afford bank interest
- Are struggling with rent
- Have incomplete houses due to lack of funds
Families with high stable income or luxury assets normally do not qualify.
4️⃣ Applicant Must Not Already Own a House
This scheme supports families who do not have a permanent home.
Eligible applicants include:
✔ Families living in rented houses
✔ Families living with relatives
✔ Shelterless or underprivileged families
Anyone who already owns a complete house is generally not eligible.
5️⃣ PMT Score Requirement – Proof of Financial Need
To ensure only deserving families benefit, applicants must have:
👉 PMT Score of 60 or below
PMT (Poverty Means Test) score evaluates:
- Financial condition
- Poverty level
- Social and economic background
Lower PMT score = Higher chances of selection.
6️⃣ NADRA & Family Head Verification
The applicant must be:
✔ Registered with NADRA
✔ Listed as the Head of Family
NADRA verification confirms:
- Identity
- Family structure
- Genuine application status
This prevents fake, duplicate, or fraudulent applications.
🏆 Special Priority Categories
Some applicants receive special preference:
✔ Widows
✔ Orphans
✔ Disabled Persons
✔ Female-Headed Families
✔ Extremely poor families
✔ Rent-paying families
✔ Families living in temporary shelters
These groups receive priority during selection and verification.
Check Also: Punjab Workers Free Housing Scheme 2026 – 720 Flats Ready, New 1,872 Approved
❌ Who Is NOT Eligible?
Applicants may be disqualified if they:
❌ Already own a complete house
❌ Have high stable income
❌ Submit fake or incorrect documents
❌ Fail to meet PMT score requirement
❌ Do not own land
❌ Are not Punjab residents
Providing false information may also lead to blacklisting.
📝 Documents Required to Prove Eligibility
Applicants must provide:
- CNIC Copy
- Punjab Residency Proof
- Land Ownership Documents (Registry / Fard)
- Income Proof (if available)
- PMT / BISP Record
- Family Registration Certificate (Optional)
Clear and original documents increase approval chances.
🔍 Eligibility Verification Process
Once you apply, your eligibility goes through multiple stages:
1️⃣ CNIC & Residency Check
2️⃣ PMT Score Verification
3️⃣ Land Ownership Confirmation
4️⃣ Income Assessment
5️⃣ Physical Verification (if required)
After verification, eligible applicants are shortlisted.
🎯 Why Eligibility Is Important?
Clear eligibility rules help:
✔ Ensure fairness
✔ Prevent misuse
✔ Support the right families
✔ Maintain transparency
This keeps the scheme corruption-free and trustable.
Who is eligible for ACAG?
Anyone who is a permanent resident of Punjab, does not already own a proper house, belongs to a low or middle-income family, and has a PMT score of 60 or below is eligible for the Apni Chhat Apna Ghar (ACAG) Scheme. The applicant must also own a small residential plot within Punjab and should be the verified head of the family through NADRA. Priority is given to poor families, widows, disabled persons, and deserving citizens who truly need housing support.
Check Also: Benefits of Low PMT Score for Women Applicants Complete Guide
Who is eligible for Punjab Free Housing Scheme 2025?
The Punjab Free Housing Scheme 2025 mainly targets poor and deserving families who cannot afford to build or buy a house. Applicants must have a valid CNIC, Punjab residency proof, low monthly income, and must not own any permanent house previously. Special priority is given to widows, orphans, disabled people, shelterless families, and those living in rented or temporary homes.
Who can apply for the Apna Ghar Scheme?
Any Pakistani citizen living in Punjab with a valid CNIC, stable but low or moderate income, and no previously owned permanent house can apply for the Apna Ghar Scheme. Applicants must meet the government’s eligibility criteria, provide genuine documents, and pass the verification process. The scheme is designed mainly for low-income families, middle-class households, and deserving citizens who truly need housing support.
How to apply for the Mera Ghar Mera Scheme 2025?
To apply for the Mera Ghar Mera Scheme 2025, applicants need to visit the official government housing portal or designated facilitation centers, create an account, and fill out the application form with personal, family, and income details. Required documents such as CNIC, income proof, and housing details must be submitted. After applying, the application goes through verification, shortlisting, and final approval before housing or financial assistance is granted.
Check Also: PSER in AZAG Scheme Registration – Mandatory Requirement Explained
Conclusion – Are You Eligible for ACAG Punjab Housing Scheme 2026?
If you are a Punjab resident, belong to a low-income family, do not own a house, have a PMT score below 60, and own a small piece of land, then you are highly eligible for the Apni Chhat Apna Ghar Scheme 2026. This program is a golden opportunity to build a secure, permanent home for your family through interest-free financial support and a transparent government system.
Apply with complete and genuine details, meet all eligibility conditions, and stay updated with official announcements to improve your chances of approval.
