Breaking: Maryam Nawaz Sharif Announces 15 Lakh Interest‑Free Housing Loans in Punjab

Maryam Nawaz Sharif Announces 15 Lakh Interest

Chief Minister Maryam Nawaz Sharif has launched an ambitious housing initiative aimed at helping low‑income families in Punjab build their own homes. The “Apni Chhat Apna Ghar” program offers interest‑free housing loans worth up to Rs. 15 lakh. This effort is designed to make homeownership affordable and accessible for families struggling with housing costs. The information below comes from the official Punjab government website and multiple top Google sources on this major social welfare effort.

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Feature	Details
Program Name	Apni Chhat Apna Ghar
Loan Amount	Up to Rs. 15 lakh
Interest	0%
Repayment Duration	7 years
Grace Period	First 3 months no payment
Target Areas	Urban and rural Punjab
Eligibility Tool	NSER PMT Score
Official Portal	https://acag.punjab.gov.pk

What Is the Apni Chhat Apna Ghar Scheme

The Apni Chhat Apna Ghar program is a Punjab government housing loan initiative that provides interest‑free loans to low‑income families who own small plots and cannot afford to build their homes. The scheme allows eligible residents to borrow up to Rs. 15 lakh to finance construction.

Punjab residents with urban plots up to 5 marla or rural plots up to 10 marla are eligible to apply. The loan is repaid over seven years with monthly installments. This program is part of the provincial government’s strategy to increase affordable housing and reduce homelessness.

Why the Scheme Matters

This housing loan initiative addresses one of the biggest challenges for low‑income families: affordability and security of housing. For many households, rent takes up a large portion of monthly income. By offering interest‑free loans and a manageable repayment plan, the government aims to ease this burden and promote long‑term stability.

The interest‑free structure is designed to ensure that borrowers are not hit with additional financial pressure on top of the principal amount. This makes the plan much more accessible than conventional housing loans.

Eligibility and Loan Structure

To qualify for the loan:

• Must be a permanent resident of Punjab with a valid CNIC.
• Must own a plot of land (up to 5 marla in urban areas or 10 marla in rural areas).
• Registered in the National Socio‑Economic Registry (NSER) with a PMT score of 60 or below.
• Should not have existing loans from banks or a criminal record.

The interest‑free model includes:

1. A three‑month grace period where no payments are required.
2. Monthly installments of about Rs. 14,000 after the grace period.
3. A total repayment period of seven years.

How to Apply: Step‑by‑Step Process

1. Visit the official portal: https://acag.punjab.gov.pk.
2. Register as a new user with your CNIC and contact details.
3. Fill in personal, land ownership, and income details.
4. Upload required documents like CNIC and proof of land.
5. Submit the application to complete registration.

Once approved, funds are disbursed directly for home construction. The process is fully online to make it easier for applicants across Punjab.

Who Can Benefit Most

The scheme is aimed at families who:

• Currently live in rented accommodation.
• Do not have the financial means to build their home.
• Are registered with NSER and meet the eligibility criteria.
• Own a small plot of land as required by the scheme.

By prioritizing genuine low‑income applicants, the program ensures that help reaches those who need it most.

Key Benefits of the Loan Program

Families approved under the Apni Chhat Apna Ghar initiative receive:

• Affordable, interest‑free loans for construction.
• No immediate repayment pressure due to the initial grace period.
• Simplified online application and tracking.
• Support that helps move from renting to homeownership.

These features are tailored to improve living standards and promote economic stability among low‑income households in both urban and rural parts of Punjab.

Helpline and Support

For assistance with applications or more information, you can use these contacts found on official and related sites:

• ACAG Portal Online: https://acag.punjab.gov.pk
• Punjab Housing Agency (PHATA): Oversees implementation.
• Phone Helpline: Toll‑free numbers like 0800‑09100 are available for guidance.

These resources can help applicants navigate registration, document submission, and status tracking.

Conclusion

The Apni Chhat Apna Ghar scheme launched by Chief Minister Maryam Nawaz Sharif marks a major effort to make home ownership possible for low‑income families in Punjab. With interest‑free loans of up to Rs. 15 lakh, manageable repayment terms, and a simple online process, the program reduces barriers that many households face in securing stable housing. As the first phase continues and more results are released, thousands of families are expected to benefit and move closer to owning their homes.

Frequently Asked Questions

How much is the interest‑free housing loan?

The loan is up to Rs. 15 lakh with zero interest, repayable over seven years with a grace period of three months.

Who is eligible for this loan?

Applicants must be Punjab residents, own a small plot of land, have a valid CNIC, and be registered in NSER with an appropriate PMT score.

Can tenants apply without owning land?

No. You must own land within the specified marla limits to qualify.

Where can I apply?

You can apply online through the official portal at https://acag.punjab.gov.pk