The Maryam Nawaz 15 Lakh Loan Scheme (also called the “Apni Chhat Apna Ghar” scheme) is aimed at providing interest-free loans to people in Punjab for building their own homes. Here’s complete description of the process:
Eligibility Criteria:
- You must be a permanent resident of Punjab and either own a plot of 5 marlas (urban) or 10 marlas (rural) land.
- You cannot already own a house.
Features | Details |
Target Beneficiaries | Low-income families in Punjab, especially those earning less than Rs. 60,000 per month. |
Loan Amount | Interest-free loans of up to Rs. 1.5 million for home construction. |
Property Size Eligibility | Applicants must own 1-5 marlas of land in urban areas or 1-10 marlas in rural areas. |
Repayment Plan | Loans are repayable over 7 years, with a grace period of 3 months and a monthly installment capped at Rs. 14,000. |
Required Documents:
- CNIC (front and back copy).
- Proof of property ownership.
- Monthly income statement.
- Bank statements for the last three months.
Registration Process:
- Visit the official Apni Chhat Apna Ghar portal at acag.punjab.gov.pk.
- Create a new account using your CNIC, phone number, and email.
- Fill in the application form with your personal information and property details.
- Upload the required documents.
- Submit the application after reviewing it.
Selection Process:
- The government will verify the documents to ensure that the applicant meets the eligibility criteria.
- Those selected will receive 15 lakh rupees interest-free, which is intended for house construction.
Loan Distribution:
- The distribution of the loan is expected to start after registration deadlines and processing, which has already seen over 200,000 registrations so far.
- The goal is to distribute the loans to 70,000 families in Punjab.
Repayment:
- The loan can be repaid over 7 years in easy monthly installments.
- The monthly installment is 14,000 rupees, and the first three months of installments are waived to provide financial relief.

Conclusion:
The Maryam Nawaz 15 Lakh Loan Scheme is designed to support low-income families in Punjab by offering interest-free loans to help them build homes. The application process is easy to follow, and the repayment terms are flexible. Families who meet the criteria can get financial help without any interest. The government aims to assist 70,000 families through this scheme, showing its commitment to providing housing support to those in need. Applicants need to check their eligibility, gather the required documents, and apply through the official website.
FAQs
- Who is eligible for the loan scheme?
- You must be a permanent resident of Punjab and should not already own a home. You also need to have a 5 marla plot (urban) or 10 marla plot (rural).
- What is the loan amount and repayment plan?
- The loan amount is 15 lakh rupees, with a 7-year repayment plan. Monthly installments are set at 14,000 rupees, and the first three months of installments are waived.
- How do I apply for the loan?
- Applications can be submitted online through the Apni Chhat Apna Ghar portal at acag.punjab.gov.pk. You’ll need to register, upload your documents, and complete the form.
- When will the loan distribution begin?
- Loan distribution will begin after the registration and verification process is complete. Over 200,000 registrations have been recorded so far, with a target of benefiting 70,000 families
- Is the loan interest-free?
- Yes, the 15 lakh rupees loan is completely interest-free.