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

Owning a home is a dream that millions of people in Pakistan still struggle to fulfil. Rising construction costs, lack of financing, and economic challenges have kept many families away from building a house on their land. Understanding this urgent need, Chief Minister Maryam Nawaz Sharif has launched a visionary initiative: the Free Home Loan Scheme 2025, also known as “Apni Chhat Apna Ghar”.

This article explains everything you need to know about this scheme: who is eligible, how to apply online, how much money you can get, what documents are required, and how the repayment works. It’s written in simple language and is ideal for readers who are seeking accurate, useful, and official guidance.

📘 What is the Apni Chhat Apna Ghar Scheme?

The Apni Chhat Apna Ghar Scheme 2025 is a Punjab Government initiative launched by Maryam Nawaz to provide interest-free home construction loans to low-income families who already own a small plot of land. The scheme is not for buying land—it’s designed to help such people build a house on their existing land. Under this plan, eligible applicants can receive up to PKR 1.5 million in financial assistance, repaid over 7 years, without paying any interest.

🔑 Main Features of the Scheme

🎯 Objective of the Scheme

The primary goal of the Apni Chhat Apna Ghar Scheme is to

• Help poor and middle-class families build homes
• Encourage home ownership for those living in rented houses
• Create jobs in construction and allied industries
• Promote social equality and economic uplift
• Empower women through housing rights

This is the first of its kind initiative in Punjab, where the government is offering fully interest-free home loans directly to landowners with no hidden charges or bank commissions.

✅ Who Can Apply for This Scheme?

You can apply for this free home loan scheme if you meet the following eligibility criteria:

✳️ Eligibility Requirements:

1. You must be a permanent resident of Punjab.
2. Your age must be 18 years or older.
3. You must own land.
4. You do not already own a constructed house.
5. You are from a low-income or deserving family (preferably registered with NSER or BISP).
6. You must provide valid proof of land ownership.
7. Your mobile number must be registered under your own CNIC.

💡 Note: Families of widows, disabled individuals, and laborers will be prioritized.

🧾 Required Documents

Before applying, keep the following documents ready for upload:

• CNIC (Applicant and spouse, if married)
• Proof of land ownership (Registry, Fard, or Mutation papers)
• Utility bill or domicile certificate
• Proof of income (salary slip or declaration form)
• Passport-size photograph
• NSER Form or PMT Number (if available)

📝 How to Apply Online—Step-by-Step Process

The entire application process is online. You don’t need to visit any office unless asked for verification.

Step 1: Visit the Official Website

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

Step 2: Create an Account

• Click on “Register Now”.
• Enter your CNIC, mobile number, and password
• Verify with an OTP sent to your phone

Step 3: Fill Out the Application Form

Provide the following details:

• Personal Information (Name, CNIC, Address)
• Land Details (Size, location, ownership type)
• Income and Employment Information
• Proposed Construction Plan (if available)

Step 4: Upload Documents

Attach scanned copies of all required documents. Please make sure they are clear and in PDF or JPG format.

Step 5: Submit Your Application

Double-check your details and click “Submit”. A tracking number or confirmation SMS will be sent to you.

💰 Loan Disbursement & Repayment

Once approved, the loan will be disbursed in instalments. Funds will be given based on construction progress (foundation, walls, roof, etc.).

⚠️ Note: The land and house cannot be sold or transferred for at least 5 years after receiving the loan.

📍 Districts Covered in First Phase

The scheme has started in the following 6 districts and will later expand to all of Punjab:

1. Lahore
2. Multan
3. Rawalpindi
4. Dear Ghazi Khan,
5. Muzaffargarh
6. Sialkot

🟢 Key Benefits of the Scheme

• ✅ No Interest or Hidden Charges
• ✅ Government-Backed & Transparent
• ✅ Long and Easy Installment Plan
• ✅ Online, Hassle-Free Application Process
• ✅ Supports Employment in the Construction Sector
• ✅ Empowers Low-Income Families & Women

✨ Conclusion

The Free Home Loan Scheme 2025 by Maryam Nawaz is a historic opportunity for poor and middle-class families to finally build their own homes. With zero interest, long repayment terms, and a completely online application system, it makes the dream of owning a house truly achievable. If you own a small piece of land and meet the criteria, don’t delay—apply today. A better future for your family could begin with just one application.

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