The Apni Chhat Apna Ghar Scheme is a helpful housing scheme for people living in Punjab. It gives home loans to poor and middle-income families. If you want to apply for this scheme you need to get a PMT Score first. This score is given by the National Socio-Economic Registry (NSER). You can only apply if your PMT score is in the required range. This guide explains all the steps in simple words. It helps you understand how to register with NSER and how to apply online for the scheme.
This scheme is for people who do not own a house. The government of Punjab has started this plan to support low-income families. The process is simple but you must follow every step carefully. First you must visit NSER and register. Then you must apply for the scheme online using the official portal. You will need to prepare some documents before you go to the NSER office.
Important Information Table
| Step | Details |
|---|---|
| Get PMT Score | Visit nearest NSER office |
| Required Documents | CNIC residence proof income proof |
| NSER Offices | BISP offices tehsil offices DC offices |
| Application Website | acagpunjab.pk or acag.punjab.gov.pk |
| Needed Info | PMT score CNIC personal details |
| Application Type | Online submission |
| Help Available | NSER helpline or office visit |
What is NSER
NSER is a government department. It checks how poor or rich a person is. It does this by checking your income and living condition. It gives you a PMT Score. This score tells if you are poor enough to get help from government schemes. If your PMT score is high you will not be eligible. Only people with low PMT scores can apply.
How to Register with NSER
To register with NSER follow the steps below:
Step 1: Find the nearest NSER office. You can visit:
- Tehsil Office
- BISP Office
- District DC Office
These offices are easy to reach in most areas of Punjab.
Step 2: Collect your documents:
- CNIC
- Address Proof like electricity bill
- Income Proof if needed
Keep original and photocopies with you.
Step 3: Visit NSER office. Ask them to register you. Submit your documents. Give your personal details. They will check and record your data.
Step 4: After some days you will get your PMT Score. Make sure it is recorded correctly. If it is not correct go to the NSER office again.
How to Apply for Apni Chhat Apna Ghar Scheme
Once you have your PMT Score you can apply for the house loan scheme.
Step 1: Go to the official website
Open acagpunjab.pk or acag.punjab.gov.pk on your mobile or computer.
Step 2: Make an account if you do not have one. You need an email and phone number.
Step 3: Fill the online form. Enter your name PMT Score CNIC number address and other personal details.
Step 4: Upload documents. Scan and upload your CNIC and any other needed papers.
Step 5: Check all the details. Make sure everything is correct.
Step 6: Submit the form. After submission you will get a confirmation message by SMS or email.
If you see an error like “PMT Score not found” then check with NSER. Maybe your score was not added yet. You can call their helpdesk or visit again for help.
Problems You May Face
Some people face issues while applying. Here are common problems:
- PMT score missing
- Site not working
- Form not submitting
- Wrong information
For all these problems the best way is to contact the nearest NSER office or call their helpline.
Tips for Smooth Process
- Keep documents ready
- Fill form with correct info
- Do not delay your application
- Take help from someone if you are not good with online work
- Visit BISP office if tehsil office is far
Why PMT Score is Important
The PMT Score is the most important part of this scheme. Without it you cannot apply. It is used by the government to check who should get a loan. Only people with low PMT score will be accepted. So always confirm your score before applying.
If your PMT Score is high you will not be eligible. If your PMT Score is low you can get a loan. This helps the poor families more.
Conclusion
The Apni Chhat Apna Ghar Scheme is a good step by the Punjab government. It helps many people to build or buy their own house. But to get the benefit you must first get your PMT Score from NSER. Then you can apply online by visiting the official website. Keep your documents ready and follow the steps. If you need help visit the NSER or BISP office. We hope you get your house loan without any trouble.