Apni Chhat Apna Ghar Scheme – Repay Early & Save 20% Loan Waiver
The Punjab government has introduced a special loan waiver rebate under the Apni Chhat Apna Ghar (ACAG) Loan Scheme 2026. Families who repay their loan earlier than the agreed time can save up to 20% of the total amount. This step aims to reduce financial burden, encourage responsible repayment, and give households an opportunity to become debt-free faster. With this scheme, thousands of borrowers will be able to manage their housing loans more easily and enjoy long-term financial peace.
| Feature | Details |
|---|---|
| Scheme | Apni Chhat Apna Ghar (ACAG) |
| Maximum Rebate | 20% |
| Eligible Period | 1–6 years |
| Benefit | Save money & repay loan early |
What is the Apni Chhat Apna Ghar Early-Payment Rebate?
The early-payment rebate is a discount on the total housing loan. If borrowers repay their dues earlier than scheduled, the government waives part of the amount. This means instead of paying the complete loan, families pay less and save more.
Repay within 1–3 years → Get 20% rebate
Repay within 4–6 years → Get 10% rebate
This not only helps families financially but also allows banks to recycle funds and support new borrowers under the scheme.
Who Can Benefit from the Loan Waiver?
This rebate is available to all registered borrowers under the Apni Chhat Apna Ghar Loan Scheme. Whether you are a salaried worker, a small shop owner, or a daily wage earner, you can benefit as long as you repay within the given timeframe.
You can qualify if:
You have an active housing loan under ACAG
You are ready to repay in one transaction
You complete repayment within 1–6 years
This ensures that the scheme is open to everyone, regardless of profession or income group.
How Does the Loan Rebate Work Step by Step?
The Punjab government has kept the process easy so borrowers do not face extra stress. Families only need to follow a few clear steps to claim their waiver.
Contact your bank and confirm your exact outstanding loan
Decide your repayment period: 1–3 years (20%) or 4–6 years (10%)
Pay the full outstanding balance in one payment
Collect your official clearance certificate from the bank
Once these steps are complete, the rebate is applied and your loan is officially settled.
Loan Savings Under Early Repayment
The savings under this rebate can be significant. Here is an example of a loan worth PKR 1,500,000:
| Loan Amount | Repayment Period | Rebate % | Waiver (PKR) | Final Payment |
|---|---|---|---|---|
| 1,500,000 | 1–3 years | 20% | 300,000 | 1,200,000 |
| 1,500,000 | 4–6 years | 10% | 150,000 | 1,350,000 |
This shows how early repayment can save families large sums while also removing long-term financial pressure.
Why This Rebate is Important for Families
For most households, a housing loan is a big responsibility. Continuous monthly installments can create stress. With this early repayment rebate, families can free themselves from debt sooner and use their income for other priorities like children’s education or healthcare.
Main benefits include:
Large financial savings through rebate
Quick freedom from loan stress
Better family security and stability
Improved trust between borrowers and banks
This scheme not only reduces debt but also supports families in planning a brighter financial future.
Required Documents for Loan Waiver
Borrowers must present the right documents to claim their rebate. Without them, banks cannot officially process the waiver. These include:
Valid CNIC of the borrower
Updated loan account statement
Proof of final repayment (deposit slip or receipt)
Clearance certificate issued by the bank
Copy of rebate calculation for records
For complete details and official updates, visit the Apni Chhat Apna Ghar Official Website.
Final Words
The Apni Chhat Apna Ghar Early Repayment Rebate 2026 is a smart and life-changing opportunity. Families who repay their housing loans earlier can save up to 20% of the total amount. This reduces stress, saves money, and gives peace of mind. In this article, we shared all the important details about eligibility, steps, savings, and documents. If you can arrange early repayment, this is the best time to benefit from the scheme and secure your family’s financial future.
FAQs
Q1: Can I repay in parts and still get the rebate?
No, the rebate is only available if you repay the full loan in one transaction.
Q2: What if I repay after 6 years?
No rebate is given after 6 years. The benefit is only within 1–6 years.
Q3: Will all banks apply this rebate?
Yes, all participating banks under ACAG are required to follow this rule. Confirm with your branch before paying.
Q4: Do I need to apply separately for the rebate?
Yes, you must submit repayment proof and request a clearance certificate to confirm the rebate.
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