Please read this Disclaimer carefully before using apnichhatmehfozchhat.pk. By using this website, you accept the points explained on this page. We wrote everything in simple words so there is no confusion.
1. We Are Not a Government Website
This is the most important point on this page. Apnichhatmehfozchhat.pk is a private, independent, informational website. We are NOT the official website of the Apni Chhat Mehfooz Chhat program. We are NOT affiliated with, endorsed by, or connected to the Government of Punjab, the Housing Department, PHATA, the Bank of Punjab, any microfinance institution, or any other government body or financial institution in any way.
The name Apni Chhat Mehfooz Chhat belongs to the Government of Punjab's housing scheme. We use this name only to describe and explain the scheme for informational purposes. All scheme names, official logos, and government marks mentioned on this website are the property of their respective owners.
The only official website for this scheme is acag.punjab.gov.pk. The only official helpline is 0800-09100.
2. Informational Purpose Only
Every guide, article, table, and answer on this website exists for general information and education only. Our content helps you understand the scheme in simple language. It is not an official document, not a government notification, and not a substitute for official sources.
Before you make any decision, always verify the details on the official portal acag.punjab.gov.pk or through the official helpline 0800-09100. Official announcements always override anything written on this website.
3. Not Financial or Legal Advice
Nothing on this website is financial advice, legal advice, or professional advice of any kind. A loan is a serious financial commitment, even an interest-free one. Read your loan agreement carefully before signing. If you need advice about your personal financial or legal situation, consult a qualified professional.
4. Accuracy of Information
We work hard to keep every page accurate and updated. We use official announcements and the government portal as our sources. We show the update date on our pages.
But government schemes change. Loan amounts, installments, eligibility rules, deadlines, and procedures can be revised by official announcements at any time. There can be a gap between an official change and our page update. So we cannot guarantee that every detail is complete, current, or error-free at every moment.
You use the information on this website at your own risk. If you find an outdated detail, please tell us at [email protected] and we will fix it quickly.
5. We Do Not Process Applications
This website cannot and does not:
- Accept, submit, or forward any loan application
- Approve, reject, or influence any application
- Check, change, or speed up your application status
- Collect any fee, charge, or payment for any purpose
- Ask for your CNIC number, password, OTP, or documents
All applications are processed only by the Government of Punjab through the official portal acag.punjab.gov.pk and the offices of Deputy Commissioners, Assistant Commissioners, and PHATA. Loan approval depends entirely on official verification. No website, agent, or person can guarantee approval.
6. Fraud Warning
The Apni Chhat Mehfooz Chhat scheme is completely free to apply. The government pays all processing charges. If anyone asks you for money, promises guaranteed approval, or requests your personal details in the name of this scheme or in the name of this website, it is fraud. Report it immediately on the official helpline 0800-09100.
7. External Links
Our guides link to external websites, including the official government portal. We provide these links for your convenience. We do not control external websites and are not responsible for their content, accuracy, or privacy practices. Visiting any external link is your own choice.
8. Advertising
This website may display third-party advertisements to support our free content. An advertisement on this website is not our recommendation or endorsement of any product or service. Any dealing between you and an advertiser is strictly between you and them. Please see our Privacy Policy for details about advertising cookies.
9. Limitation of Liability
To the maximum extent permitted by law, this website and its team shall not be liable for any loss or damage of any kind arising from your use of this website or your reliance on its information. This includes, without limitation, any decision you make about applying for the scheme, any application outcome, any financial loss, or any dealing with third parties.
10. Changes to This Disclaimer
We may update this Disclaimer at any time. The Last Updated date at the top of this page shows the current version. Your continued use of the website after changes means you accept the updated Disclaimer.
11. Contact
Questions about this Disclaimer? Email us at [email protected] or visit our contact page.
اعلان دستبرداری: اردو خلاصہ
یہ ایک نجی اور آزاد معلوماتی ویب سائٹ ہے۔ ہم اپنی چھت محفوظ چھت پروگرام کی سرکاری ویب سائٹ نہیں ہیں اور ہمارا حکومت پنجاب، ہاؤسنگ ڈیپارٹمنٹ، PHATA یا کسی مالیاتی ادارے سے کوئی تعلق نہیں۔ سرکاری ویب سائٹ صرف acag.punjab.gov.pk ہے۔
ہماری تمام معلومات صرف عام آگاہی کے لیے ہیں۔ اسکیم کی تفصیلات کسی بھی وقت تبدیل ہو سکتی ہیں۔ کوئی بھی فیصلہ کرنے سے پہلے سرکاری پورٹل یا ہیلپ لائن 0800-09100 سے تصدیق ضرور کریں۔
ہم کوئی درخواست وصول نہیں کرتے، کوئی فیس نہیں لیتے اور کبھی آپ کا شناختی کارڈ نمبر یا پاس ورڈ نہیں مانگتے۔ اگر کوئی ہمارے نام پر پیسے مانگے تو یہ فراڈ ہے۔ فوراً 0800-09100 پر شکایت کریں۔