Maryam Nawaz Housing Loan
Maryam Nawaz Housing Loan 2026 is a Punjab government initiative that helps low-income families build their own homes through interest-free financial assistance. Under the Apni Chhat Apna Ghar Programme, eligible residents can receive loans of up to Rs.1.5 million to construct houses on their own residential plots. On November 3, 2026, the government approved inviting fresh applications under the programme. This guide explains eligibility requirements, loan amounts, required documents, online registration and the latest developments.
Quick Information Table
| Information | Details |
|---|---|
| Scheme Name | Apni Chhat Apna Ghar |
| Launched By | CM Maryam Nawaz |
| Province | Punjab, Pakistan |
| Managing Department | Housing & Urban Development Department |
| Maximum Loan | Rs.1.5 million |
| Interest Rate | 0% (interest-free) |
| Loan Duration | 7 years |
| Eligible Plot | Up to 5 Marla urban / 10 Marla rural |
| Registration | Online |
| Official Portal | acag.punjab.gov.pk |
| Last Date | Not officially announced |
Overview of Maryam Nawaz Housing Loan 2026
The Apni Chhat Apna Ghar Programme aims to help financially struggling families construct permanent homes. The Punjab government plans to provide affordable housing through different models, including interest-free construction loans, affordable housing projects and houses built on government land.
Under the interest-free loan component, eligible families can receive up to Rs.15 lakh to construct a house on their existing residential plot. The repayment period is seven years, with monthly instalments. CM Special Monitoring Unit+1
Latest Updates – November 2026
The latest important development came on November 3, 2026, when Chief Minister Maryam Nawaz reviewed the programme’s progress in a special meeting.
According to Radio Pakistan, more than 1.7 million people had registered through the online portal, and over 225,000 loans had been issued. The meeting also approved inviting fresh applications, giving new applicants an opportunity to prepare their documents. However, the government has not announced a specific new application deadline. radio.gov.pk
Eligibility Criteria for the Housing Loan
Applicants must fulfil the government’s eligibility conditions before applying.
Who Can Apply?
- Must be a permanent resident of Punjab.
- Must be the head of the family according to NADRA records.
- Must own and possess a residential plot in Punjab.
- Must intend to construct a house on the same plot.
- Must not have a criminal record involving serious offences.
- Must not be a loan defaulter of any bank or financial institution.
- Must meet the programme’s applicable socioeconomic requirements.
Plot Size Requirements
The scheme accepts the following residential plots:
- Urban areas: Up to 5 Marla.
- Rural areas: Up to 10 Marla.
The applicant must be the sole owner and possessor of the plot at the time of application. The published Punjab government criteria also specify NSER registration with a household PMT score of 60 or less. Punjab Portal+1
Benefits of the Scheme
The programme offers several benefits to deserving families:
- Interest-free loans up to Rs.15 lakh.
- Seven-year repayment period.
- Easy monthly instalments.
- No interest charges on the approved loan.
- Financial assistance for constructing a personal house.
- Government support for low-income families.
- Improved housing facilities and living conditions.
Required Documents
Keep the following documents ready before starting registration:
- Valid CNIC.
- Punjab domicile or proof of permanent residence.
- NADRA family registration details.
- Residential plot ownership documents.
- Property and location details.
- Active mobile phone number.
- NSER registration information.
- Income and household information, if requested.
Online Registration Process
Applicants can use the official portal to submit their applications.
- Visit acag.punjab.gov.pk.
- Select the registration option.
- Create an account using your CNIC and mobile number.
- Enter your personal and family information.
- Provide residential plot ownership details.
- Enter the required household and income information.
- Create a password and review your application.
- Submit the registration form.
- Save your application details for future reference.
After submission, the authorities may verify your documents and eligibility before approving the loan.
Loan Amount and Payment Details
The programme provides interest-free financial assistance of up to Rs.1.5 million.
| Payment Detail | Information |
|---|---|
| Maximum Loan | Rs.15 lakh |
| Interest Rate | 0% |
| Repayment Period | 7 years |
| Instalment Method | Monthly |
| Loan Purpose | House construction |
The exact monthly instalment depends on the approved loan amount and repayment schedule. Applicants should confirm their payment obligations through the official programme authorities.
Frequently Asked Questions (FAQs)
1. Who is eligible for Maryam Nawaz Housing Loan 2026?
Permanent Punjab residents who own eligible residential plots and meet the programme’s other conditions can apply.
2. How much interest-free housing loan is available?
Eligible applicants can receive up to Rs.15 lakh without interest.
3. Can tenants apply for this housing loan?
The interest-free construction loan requires applicants to own an eligible residential plot. Tenants without qualifying land cannot apply under this loan component.
4. How can I register for the scheme?
Visit acag.punjab.gov.pk, create an account and complete the online registration form.
5. Is registration open in November 2026?
The government approved inviting fresh applications on November 3, 2026. Applicants should check the official portal for the opening date and registration instructions.
Conclusion
Maryam Nawaz Housing Loan 2026 provides an opportunity for low-income families in Punjab to construct their own homes through interest-free financial assistance. Eligible applicants can receive up to Rs.15 lakh with a seven-year repayment period. The government has also approved inviting fresh applications, making it important for interested families to prepare their documents in advance. Applicants should visit the official Apni Chhat Apna Ghar portal for registration announcements, eligibility verification and the latest programme information. Avoid unofficial agents and websites requesting registration fees.