The Chief Minister of Punjab, Maryam Nawaz Sharif, has introduced a groundbreaking initiative to support homeownership in the province. The Maryam Nawaz 15 Lakh Loan Scheme 2025 aims to provide interest-free housing loans of up to Rs. 15 lakh to approximately 70,000 families under the Apni Chhat Apna Ghar Scheme. This initiative is a significant step towards fulfilling the dream of homeownership for thousands of families in Punjab.
In this article, we will guide you through the registration process, eligibility criteria, required documents, and benefits of this interest-free loan scheme. Read on to find out how you can apply and secure financial assistance for building your own home.
What is the Maryam Nawaz 15 Lakh Loan Scheme?
The Maryam Nawaz Loan Scheme 2025 is a government-funded initiative aimed at providing interest-free loans to low-income families in Punjab. The objective is to help families who struggle with financial limitations and are unable to construct their own houses.
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Loan Amount: Rs. 15 lakh (1.5 million)
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Total Beneficiaries: 70,000 families in Punjab
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Repayment Plan: 7 years with easy monthly installments
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Interest Rate: 0% (Completely interest-free)
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Purpose: To assist in home construction under the “Apni Chhat Apna Ghar” scheme
The Punjab government has ensured that the application process is straightforward, making it accessible to all eligible citizens who need financial assistance to build their own homes.
Also Read: Punjab Bewa Sahara Card Scheme 2025 – Online Registration & Application Process
Latest Updates on the Loan Scheme
1. Loan Distribution Started
The Punjab government has officially started disbursing loans to eligible applicants. From October 2, 2025, selected individuals have begun receiving their approved Rs. 15 lakh loans to start their housing projects.
2. Loan Distribution Date Announced
For those waiting for their loans, the distribution of funds began on September 15, 2025. If you have applied for the loan, check the official list to confirm your eligibility.
3. 200,000+ People Registered
As of now, over 200,000 people have already registered for the scheme. If you haven’t applied yet, register now before the deadline to secure your loan.
Step-by-Step Guide: How to Apply for the 15 Lakh Loan Online?
If you are interested in applying for the Maryam Nawaz 15 Lakh Loan Scheme 2025, follow these simple steps:
Step 1: Gather Required Documents
Before applying, make sure you have the following documents:
✅ CNIC (Computerized National Identity Card)
✅ Proof of income (salary slip, business details, etc.)
✅ Property details (location, size, ownership proof)
✅ Contact information (phone number, email address)
✅ Recent passport-sized photograph
Step 2: Visit the Official Website
Go to the Apni Chhat Apna Ghar Scheme official portal:
🔗 http://acag.punjab.gov.pk
Step 3: Create an Account
If you’re a first-time applicant, register on the website using your:
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CNIC number
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Mobile number
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Email address
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Password
Step 4: Fill Out the Application Form
Once logged in, you will see the application form. Enter the following details:
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Full Name
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Father’s/Husband’s Name
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CNIC Number
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Address & Property Details
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Monthly Income
Step 5: Upload Required Documents
Attach scanned copies of your:
📌 CNIC (front & back)
📌 Property ownership proof
📌 Passport-size photo
Step 6: Submit Your Application
Double-check all details and click submit. You will receive a confirmation message regarding your application status.
📢 Important: Keep checking the official website for updates on your application status!
Key Benefits of the Maryam Nawaz Loan Scheme
- Interest-Free Loan: No interest charges, making it easier to repay.
- Easy Installments: Repayment in 7 years with first 3 months relief.
- Affordable Monthly Payment: Installments of approximately Rs. 14,000 per month.
- Quick Registration: Hassle-free online process through official government portal.
- Financial Freedom: Helps people escape rental expenses and own a house.
This initiative is designed to help those who cannot afford a home loan from banks due to high-interest rates.
Who is Eligible for the 15 Lakh Loan?
To qualify for the Maryam Nawaz Loan Scheme, applicants must meet these conditions:
- Must be a resident of Punjab
- Must belong to a low-income or middle-income group
- Must not own a house or be in need of financial assistance for home construction
- Must provide valid property ownership proof
If you meet these criteria, apply immediately to take advantage of this once-in-a-lifetime opportunity.
Also Read: 8171 BISP Kafalat Program April 2025: Check Rs. 13,500 Payment Status Online
Why This Scheme is a Game-Changer for Punjab?
This revolutionary initiative by CM Maryam Nawaz is the first-of-its-kind in Punjab’s history. It allows thousands of families to break free from renting and become homeowners without any financial burden.
- 🏡 Empowering Families: Provides financial stability by ensuring homeownership.
- 💰 Economic Growth: Boosts the construction industry and generates employment.
- 📈 Poverty Reduction: Gives financial relief to struggling families.
The Apni Chhat Apna Ghar Scheme is a golden opportunity for those who have dreamed of owning a home but lacked financial resources.
Final Thoughts on the Maryam Nawaz 15 Lakh Loan Scheme 2025
The Punjab government has launched the Maryam Nawaz 15 Lakh Loan Scheme 2025 to empower thousands of families by providing interest-free housing loans. If you meet the eligibility criteria, apply today and take a step closer to owning your dream home.
📢 Don’t Miss Out! Register now at http://acag.punjab.gov.pk before the deadline!
FAQs (Frequently Asked Questions)
1. How much loan can I get under this scheme?
You can get Rs. 15 lakh (1.5 million) under the Apni Chhat Apna Ghar Scheme.
2. Is this loan completely interest-free?
Yes, the Maryam Nawaz Loan Scheme provides an interest-free loan to eligible applicants.
3. When will the loan be distributed?
The loan disbursement started on September 15, 2025. If you have applied, check your application status online.
4. Can I apply if I already own a house?
No, this scheme is specifically for those who do not own a house and need financial assistance for construction.
5. What is the deadline for applying?
The government has not announced a final deadline yet, but since 200,000+ people have already registered, it’s best to apply as soon as possible.