Maryam Nawaz Loan Scheme 150,000
The Punjab Government has started the Maryam Nawaz Loan Scheme under the Apni Chhat Apna Ghar Program. This scheme is for poor and low-income families in Punjab. It is made for people who have land but do not have enough money to build their own house.
Through this program, the government will give interest-free loans up to 15 lakh rupees (1,500,000). About 70,000 families will receive this help so they can build a safe and proper home
This program shows the vision of Punjab Chief Minister Maryam Nawaz Sharif to make life better for poor and struggling families. The government is giving interest-free loans, which means people will return only the money they borrow. They can pay back in easy installments without any extra charges
Main Features of Maryam Nawaz Loan Scheme
The Maryam Nawaz Loan Scheme under the ACAG Program has many benefits for poor families in Punjab:
- Families can get up to 15 lakh rupees (1.5 million) to build their house.
- The loan is completely interest-free. People will return only the actual amount they borrow.
- The loan can be paid back in 7 years through monthly installments.
- The first three installments are forgiven, so families can start building without any early pressure.
- About 70,000 families will receive help in the first phase.
- The scheme is only for people living in Punjab who qualify under the rules
Eligibility for the Scheme
Not everyone can apply for this scheme. The Punjab Government has set some rules so that only deserving families get the loan.
Families Eligible for the Loan:
- Must be permanent residents of Punjab.
- Must own at least 5 marlas of land in a city or 10 marlas in a village.
- The family should not already own a house.
- The applicant should not be a loan defaulter of any bank.
Families Not Eligible:
- Those who already own a house.
- Families who do not have any land.
- Applicants who give false or incomplete documents.
These rules are made to make sure the scheme helps only the families who really need it
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How to Apply for Maryam Nawaz Loan Scheme
Applying for this loan is easy and can be done online through the ACAG website.
Steps:
- Open the website: acag.punjab.gov.pk
- Make your account with CNIC, mobile number, and password.
- Fill in your personal details, land information, and income.
- Upload CNIC (front and back), land papers, and one passport-size photo.
- Read everything carefully before submitting.
- Accept the terms and conditions.
- Submit your form.
After you submit, the Punjab Government will check your details. If you qualify, the loan will be given to you as per the official plan
Loan Repayment Plan
This scheme has an easy repayment system so that families do not feel pressure.
- Loan amount: 15 lakh rupees (1.5 million)
- Monthly payment: 14,000 rupees
- Time period: 7 years (84 months)
- First 3 payments: not required
This makes it easier for families to begin construction without the burden of early payment
Documents Needed for the Loan
To apply for the loan, you have to give the correct documents. This is important so that the process stays fair.
- CNIC issued by NADRA
- Land papers (minimum 5 marla in the city or 10 marla in the village)
- Proof of income or low-income certificate
- Electricity bill for the house
- For men: CNIC and registered mobile number
- For women: husband’s or father’s CNIC and registered mobile number
- One passport-size photo
If you submit true and complete documents, your application will be approved faster
Why This Scheme is Important for Families
The Maryam Nawaz Loan Scheme is not just about money; it is about giving families a chance to live a better life. Families who could not build their own houses before can now have a safe home and live with respect. Because the loan is interest-free, people only return the amount they borrow. This reduces financial pressure and helps poor families plan for their future.
This scheme also helps solve housing problems for low-income families and improves living conditions across Punjab
Final Thoughts
The Maryam Nawaz Loan Scheme under the ACAG Program is a big help for thousands of families in Punjab. The process to apply is easy, the rules are fair, and the loan is interest-free. It gives poor and low-income families a chance to build their own houses.
By applying through the official ACAG website, families can get financial support and start a better life in their own safe and permanent home. This scheme shows the Punjab Government’s strong effort to support families and reduce housing problems in the province
FAQs
What is the Maryam Nawaz Loan Scheme 2025?
It is an interest-free housing loan under the Apni Chhat Apna Ghar program. Families can get up to Rs. 1.5 million to build their own house.
Who can apply?
Only permanent residents of Punjab can apply. They must own at least 5 marlas of land in a city or 10 marlas in a village. The family should not already own a house.
How many families will benefit in the first phase?
About 70,000 poor families will get loans in the first phase.
What are the repayment terms?
The loan will be paid back in 7 years with monthly installments of Rs. 14,000. The first 3 installments are not required.
What documents are needed?
- CNIC
- Land papers
- Income certificate
- Electricity bill
- Registered mobile number
- Passport-size photo