Free Home Loan Scheme Maryam Nawaz || How To Apply Online

In 2025, Punjab’s Chief Minister Maryam Nawaz Sharif introduced a groundbreaking initiative called the “Apni Chhat Apna Ghar” Free Home Loan Scheme, aimed at helping low-income families in Punjab build their own houses. Through this scheme, eligible citizens can receive an interest-free loan of up to PKR 1.5 million to construct homes on their land.

The program is part of the overall goal to give low-income families affordable, decent housing choices and reduce the number of homeless people. This piece tells you everything you need to know about the program, including who can apply, what documents are needed, and how to apply online step-by-step.

🏠 What’s the Maryam Nawaz Free Home Loan Scheme?

The “Apni Chhat Apna Ghar” (My Roof, My Home) scheme is a free home loan program designed for land-owning individuals who do not have a house but want to build one. Under this scheme:

The loan amount is up to PKR 1.5 million
No interest is charged on the loan
The repayment period is up to 7 years
A 3-month grace period is offered before repayments begin
The monthly installment is approximately PKR 14,000
The program is completely free of cost and digital

This scheme has been designed to provide relief to the poor, especially those living in small rented houses or underdeveloped areas.

✅ Benefits of the Scheme

✔️ Zero interest rate: No markup or extra charges
✔️ 7-year flexible repayment plan
✔️ No middlemen or agents involved
✔️ Fully online application process
✔️ Direct loan transfer to the applicant’s account
✔️ Financial support to build on your land

🎯 Eligibility Criteria

To apply for the Maryam Nawaz Free Home Loan Scheme, the applicant must meet the following eligibility conditions:

You must live in Punjab full-time.
You must possess land measuring between 1 and 5 marla in urban areas or between 1 and 10 marla in rural areas.
Are not currently living in a house
NADRA data show that the person in question must be the head of the home.
Age must be 18 years or above.
Belong to a low-income household (under PKR 60,000 monthly income is preferred)
Must have a valid CNIC
Must have a clean credit and criminal record
Should be registered in the NSER or PSER survey

Note: Preference is given to women, widows, orphans, and disabled individuals.

📑 Required Documents

Before you apply, prepare the following documents in a clear, scanned format:

CNIC (front and back)
Land ownership papers (registry, fard, or allotment letter)
Passport-size photograph
Recent utility bill (for proof of residence)
Proof of income (salary slip, bank statement, or self-declaration)
NADRA Family Registration Certificate (FRC)
NSER Survey number (if applicable)

Having accurate and complete documentation increases your chances of approval.

🌐 How to Apply Online—Step-by-Step Guide

The Punjab government has transitioned the entire application process to an online format via a dedicated portal. Here’s how you can apply:

🔹 Step 1: Visit the Official Portal

Go to the official loan scheme portal:
👉 https://acag.punjab.gov.pk

🔹 Step 2: Register

Click on “Register” and enter your:

CNIC number
Mobile number
Email address
Password

You will receive a verification SMS.

🔹 Step 3: Fill the Application Form

After verification, log in to your account and:

Fill out your details
Enter your land ownership information
Provide your family and income details

🔹 Step 4: Upload Documents

Please upload all the necessary scanned documents (as mentioned above). Make sure they are not blurred or incomplete.

🔹 Step 5: Submit the Form

After reviewing your details, click Submit. You’ll receive a tracking number to monitor your application status.

📞 Helpline and Support

For assistance or questions, you can contact the official helpline:

📱 Toll-Free Number: 0800-09100
🖥️ Website: https://acag.punjab.gov.pk

You may also visit your nearest e-Khidmat Markaz or Tehsil office for guidance.

⚠️ Important Notes

❌ Do not pay any person or agent. The process is completely free
✅ Only apply through the official portal
❌ Fake documents or false claims will lead to disqualification
✅ Keep a copy of your tracking/reference number

🧾 Repayment Terms

The first 3 months are a grace period
Monthly installments start from the 4th month
Repayments can go up to 7 years, depending on the applicant’s financial capacity
No interest or late fees are charged if repaid on time

Read Also: Good News—5Lakh Work Visas Issued – Apply Online for Free

🌟 Final Thoughts

The Maryam Nawaz Free Home Loan Scheme is a bold and people-centered policy by the Punjab Government. It provides a once-in-a-lifetime opportunity for thousands of land-owning yet low-income families to finally build a safe, permanent home. If you meet the eligibility criteria and own a small piece of land, please consider applying promptly. Please collect your documents and submit your application online via the government portal at your earliest convenience.

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