The Punjab government, under the leadership of Maryam Nawaz Sharif, has introduced a special housing loan scheme aimed at helping low-income families achieve the dream of homeownership. The Maryam Nawaz 15 Lakh Loan Scheme 2025 is designed to provide interest-free loans of up to Rs. 15 lakh to approximately 70,000 families under the “Apni Chhat Apna Ghar” initiative. This scheme is a major step towards reducing poverty and providing financial stability to families in need. It helps people who struggle with home construction costs but do not have access to regular bank loans due to high interest rates.
| Feature | Details |
| Loan Amount | Rs. 15 lakh (1.5 million) |
| Total Beneficiaries | 70,000 families in Punjab |
| Repayment Plan | 7 years with easy installments |
| Interest Rate | 0% (Interest-free loan) |
Table of Content
What is the Maryam Nawaz 15 Lakh Loan Scheme?
The Maryam Nawaz 15 Lakh Loan Scheme 2025 is a government initiative aimed at supporting low-income families in Punjab. The scheme provides Rs. 15 lakh as an interest-free loan to families who cannot afford to build their homes. The loan is given under the “Apni Chhat Apna Ghar” scheme, which translates to “My Roof, My Home.” The goal is to help people with financial difficulties build their houses without the added burden of high interest rates.
This initiative covers 70,000 families, and it offers a repayment plan over 7 years, making it manageable for applicants. The interest-free nature of the loan makes it a much-needed financial aid for many who dream of owning their own homes but cannot afford traditional bank loans.
Step-by-Step Process: How to Apply for the Loan
To apply for the Maryam Nawaz 15 Lakh Loan Scheme 2025, follow these easy steps:
- Gather Required Documents
Before starting, make sure you have these documents ready: - CNIC (National Identity Card)
- Proof of income (salary slip, business documents, etc.)
- Property details (address, size, ownership proof)
- Contact information (phone number, email)
- A recent passport-sized photograph
- Visit the Official Website
Go to the official portal for the Apni Chhat Apna Ghar Scheme:
http://acag.punjab.gov.pk - Create an Account
If you are a new applicant, register by providing your CNIC number, mobile number, email address, and creating a password. - Complete the Application Form
Once you’re logged in, fill out the application form by providing: - Your full name
- CNIC number
- Address & property details
- Monthly income
- Upload Documents
Upload scanned copies of your CNIC (front and back), property ownership proof, and a passport-size photo. - Submit the Application
Double-check the information and submit the application. You will get a confirmation message regarding your application.
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Benefits of the Maryam Nawaz Loan Scheme
The Maryam Nawaz 15 Lakh Loan Scheme offers several advantages for eligible applicants:
- Interest-Free Loan
The biggest advantage is that the loan is completely interest-free. This makes it easier for applicants to repay without worrying about rising interest rates. - Easy Installments
The loan can be repaid in easy monthly installments over a period of 7 years. The initial three months will provide relief, meaning no payments are due during that time. - Affordable Payments
The monthly installment is approximately Rs. 14,000, which is affordable for many low-income families. - Financial Freedom
This loan helps families escape rental costs and allows them to own their own homes, ensuring long-term financial security.
Eligibility Criteria for the Loan Scheme
To apply for the Maryam Nawaz 15 Lakh Loan Scheme, you must meet the following criteria:
- Residency
You must be a resident of Punjab. - Income Group
You must belong to a low or middle-income group and cannot already own a house. - Need for Financial Help
You must require financial assistance to build your home and provide proof of property ownership.
If you meet these criteria, you are eligible to apply for the loan. Ensure all required documents are submitted for verification.
Why the Scheme is Important for Punjab
The Maryam Nawaz 15 Lakh Loan Scheme is revolutionary for Punjab. It aims to empower thousands of families by helping them transition from renting to homeownership. This initiative not only assists in reducing poverty but also boosts the construction industry and creates jobs. By providing an affordable and interest-free loan, the government is making homeownership accessible to a wider group of people who were previously unable to afford it.
- Economic Growth
The housing industry will experience growth, leading to job creation and increased construction activities. - Poverty Reduction
Families who are struggling financially will benefit from the scheme, giving them a better standard of living. - Financial Security
Families will have a sense of stability and security through homeownership, which will have a long-term positive impact on their lives.
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Conclusion
The Maryam Nawaz 15 Lakh Loan Scheme 2025 is a great opportunity for low-income families in Punjab to own their homes. This scheme removes the burden of high-interest loans and makes homeownership more affordable. If you meet the eligibility criteria, don’t miss the chance to apply for this life-changing opportunity. In this article, we are sharing all the details about how to apply for the Maryam Nawaz 15 Lakh Loan Scheme 2025, its benefits, and the eligibility requirements. Make sure you apply early to avoid missing out on this valuable opportunity.
FAQs
How much loan can I get under this scheme?
You can get Rs. 15 lakh (1.5 million) for your home construction.
Is this loan completely interest-free?
Yes, the loan is entirely interest-free, making it easier for applicants to repay.
When will the loan be distributed?
The loan disbursement began on September 15, 2025. Check the website for your application status.
Can I apply if I already own a house?
No, this scheme is only for individuals who do not own a house and need financial assistance to build one.