Are you confused if you qualify for the Government of Punjab’s landmark housing scheme? This guide will tell you the Apna Ghar Apni Chat eligibility criteria in detail, so you can check your eligibility before starting your application.
For a complete overview of the scheme, including advantages and the registration process, read our ultimate guide to the apna ghar apni chat scheme 2025.
5 Important Requirements
To be eligible for a house under this scheme, you must meet all of the following conditions:
1. Residency & Family Status
- You must be a permanent resident of Punjab.
- You must be officially recognized as the head of your family.
2. Land Ownership (The Essential Requirement)
This is an important criterion. You must own a vacant residential plot within the specified size limits:
- Urban Areas: 1 to 5 Marlas
- Rural Areas: 1 to 10 Marlas
The scheme is especially for those who have land but lack the funds to build a house.
3. Socio-Economic Status (PMT Score)
Your economic background is assessed through a government database:
- Your family must be registered in the National Socio-Economic Registry (NSER).
- Your Poverty Means Test (PMT) score must be 60% or below. This identifies low to middle-income families.
4. Financial and Legal History
To ensure financial responsibility, you must have:
- No criminal record.
- No history of being a bank loan defaulter.
5. No Previous Government Housing Subsidy
You must not have received a similar housing subsidy or plot from any government scheme in the past.
Documents Required to Prove Eligibility
When you apply, you will need to provide documents that verify the above criteria. Keep these ready:
- CNIC (Computerized National Identity Card)
- Proof of Land Ownership (Fard, Registry Documents)
- Proof of NSER Registration (if available)
- Utility Bills (for address verification)
FAQs
Q: I own agricultural land. Does that qualify?
A: No. The scheme specifically requires a residential plot (residential property).
Q: What if my PMT score is above 60%?
A: Unfortunately, a PMT score below 60% is a strict requirement for this particular scheme. You may not be eligible if your score is higher.
Q: Can a woman who is the head of her family apply?
A: Yes, absolutely. The scheme is open to any head of family, regardless of gender, provided they meet all other criteria.
Last Words: If you meet all the requirements listed above, you are a strong applicant for the Apna Ghar Apni Chat Program. Your next step is to complete the registration process.
If you want to apply then follow our step-by-step guide on how to complete the AGAC Online Registration.
