Maryam Nawaz 15 Lakh Loan Scheme 2025

In a groundbreaking move to empower low-income families, the Punjab government, under the dynamic leadership of Chief Minister Maryam Nawaz Sharif, has unveiled the Maryam Nawaz 15 Lakh Loan Scheme 2025. This visionary initiative, part of the “Apni Chhat Apna Ghar” program, aims to provide interest-free housing loans of up to Rs. 15 lakh to approximately 70,000 families across Punjab. This scheme is a beacon of hope for those who have long struggled with the financial burden of constructing their own homes but were unable to secure conventional bank loans due to high-interest rates and stringent eligibility criteria.

ایک انقلابی اقدام کے تحت، پنجاب حکومت نے وزیر اعلیٰ مریم نواز شریف کی متحرک قیادت میں “مریم نواز 15 لاکھ قرض اسکیم 2025” کا آغاز کیا ہے۔ یہ بصیرت افروز منصوبہ “اپنی چھت اپنا گھر” پروگرام کا حصہ ہے، جس کا مقصد پنجاب بھر میں تقریباً 70,000 خاندانوں کو بغیر سود کے 15 لاکھ روپے تک کے ہاؤسنگ لون فراہم کرنا ہے۔ یہ اسکیم ان لوگوں کے لیے امید کی کرن ہے جو طویل عرصے سے اپنے گھروں کی تعمیر کے مالی بوجھ سے پریشان تھے لیکن زیادہ سود اور سخت بینک شرائط کی وجہ سے روایتی قرض حاصل کرنے سے قاصر تھے۔

The Maryam Nawaz 15 Lakh Loan Scheme 2025 is not just a financial aid program; it is a transformative step towards eradicating poverty, reducing homelessness, and fostering economic growth in Punjab. With its zero-interest loans and flexible repayment plans, this initiative is set to change the lives of thousands of families, enabling them to achieve the dream of homeownership.

مریم نواز 15 لاکھ قرض اسکیم 2025 محض ایک مالی امدادی پروگرام نہیں بلکہ غربت کے خاتمے، بے گھری میں کمی اور پنجاب میں معاشی ترقی کے فروغ کی جانب ایک انقلابی قدم ہے۔ بغیر سود کے قرضوں اور آسان اقساط میں واپسی کے منصوبے کے ساتھ، یہ اسکیم ہزاروں خاندانوں کی زندگیوں کو بدلنے جا رہی ہے، جس سے وہ اپنے ذاتی گھر کے خواب کو حقیقت میں بدل سکیں گے۔

Maryam Nawaz 15 Lakh Loan Scheme 2025 Key Features

Feature	Details
Loan Amount	Rs. 15 lakh (1.5 million)
Total Beneficiaries	70,000 families in Punjab
Repayment Duration	7 years with easy monthly installments
Interest Rate	0% (Completely Interest-Free)
First Installment	Due after 3 months of approval
Official Website	http://acag.punjab.gov.pk

What is the Maryam Nawaz 15 Lakh Loan Scheme 2025?

The Maryam Nawaz 15 Lakh Loan Scheme 2025 is a government-backed initiative designed to provide financial assistance to low-income families in Punjab who aspire to build or complete their own homes. Under this program, eligible applicants can receive an interest-free loan of Rs. 15 lakh, which can be used for constructing a new house or completing an unfinished home under the “Apni Chhat Apna Ghar” project.

Unlike traditional bank loans, which often come with high-interest rates and rigid repayment terms, this scheme offers a 100% interest-free loan with a 7-year repayment period. This makes it an ideal option for families who have been excluded from conventional financing due to financial constraints.

What is the Maryam Nawaz 15 Lakh Loan Scheme 2025

Maryam Nawaz 15 Lakh Loan Scheme 2025 Step-by-Step Guide

Applying for the Maryam Nawaz 15 Lakh Loan Scheme 2025 is a simple and user-friendly process. Here’s a detailed step by step guide to help you navigate the application process:

Step 1: Gather the Required Documents

Before starting your application, ensure you have the following documents ready:

Valid CNIC (Computerized National Identity Card)
Proof of Income (salary slip, business documents, or any verifiable income source)
Property Ownership Details (address, size, and ownership proof)
Recent Passport-Sized Photograph
Active Mobile Number and Email ID

Step 2: Visit the Official Website

Go to the Punjab government’s official website for the Apni Chhat Apna Ghar Scheme: http://acag.punjab.gov.pk.

Step 3: Register an Account

If you are a new applicant, register on the portal by providing your CNIC number, mobile number, email address, and password.
After registration, you will receive an OTP (One-Time Password) for verification.

Step 4: Fill Out the Online Application Form

Log into your account and fill in the required details, including:

Full Name
CNIC Number
Residential Address & Property Details
Monthly Income
Family Information

Step 5: Upload the Necessary Documents

Scan and upload the required documents, including your CNIC, property ownership proof, and a passport-sized photo.

Step 6: Submit Your Application

Review your application to ensure all details are accurate.
Submit the application and wait for a confirmation message.

Once submitted, your application will be reviewed by government officials, and you will be notified about your approval status via SMS or email.

Maryam Nawaz 15 Lakh Loan Scheme 2025

Completely Interest-Free Loan
Unlike traditional bank loans, which come with hefty interest rates, this scheme offers 100% interest-free financial aid, making homeownership accessible to low-income families.
Flexible Repayment Plan
Borrowers can repay the loan in easy monthly installments over 7 years, reducing financial pressure and ensuring affordability.
No Payments for the First Three Months
The scheme provides an initial grace period of three months, meaning you won’t have to start repaying immediately after approval.
Affordable Monthly Installments
With a monthly installment of approximately Rs. 14,000, repayment becomes manageable for eligible families.
Financial Stability & Security
This scheme helps families escape the cycle of high rental costs and ensures long-term financial security through homeownership.

Maryam Nawaz 15 Lakh Loan Scheme 2025 Eligibility Criteria

To qualify for theMaryam Nawaz 15 Lakh Loan Scheme 2025, applicants must meet the following criteria:

Must be a resident of Punjab
Must belong to a low or middle income group
Must not already own a house
Must provide proof of property ownership

Maryam Nawaz 15 Lakh Loan Scheme 2025 Game-Changer for Punjab

The Maryam Nawaz 15 Lakh Loan Scheme 2025 is more than just a housing initiative; it is a transformational program that promises to bring about significant social and economic changes in Punjab. Here’s why this scheme is a game changer:

Economic Growth
By promoting homeownership, this scheme boosts construction activities, generates employment opportunities, and strengthens the local economy.
Reduction in Poverty & Homelessness
With 70,000 families receiving housing aid, Punjab is taking a major step towards eradicating poverty and improving living conditions.
Empowering the Low-Income Population
Families who previously couldn’t afford a home now have a chance to own a house without the burden of high-interest loans.
Social Stability
Homeownership fosters a sense of stability and belonging, contributing to stronger communities and improved quality of life.

Additional Updates and Information

Disbursement Timeline: The loan disbursement process is set to begin on September 15, 2025. Applicants are encouraged to apply early to avoid last-minute delays.
Expansion Plans: The Punjab government is also considering expanding this scheme to other provinces, depending on its success in Punjab.
Awareness Campaigns: The government is conducting awareness campaigns across Punjab to ensure that all eligible families are informed about this opportunity.

For more updates and official announcements, stay tuned to the Punjab government’s official channels.

Maryam Nawaz 15 Lakh Loan Scheme 2025 FAQs

Q1: How much loan can I get under this scheme?
You can receive Rs. 15 lakh (1.5 million) to construct or complete your home.

Q2: Is this loan completely interest-free?
Yes, the loan is 100% interest free.

Q3: When will the loan be disbursed?
The disbursement process begins on September 15, 2025.

Q4: Can I apply if I already own a house?
No, this scheme is only for individuals who do not own a house.

Q5: What is the repayment period for the loan?
The loan must be repaid in easy monthly installments over 7 years.

Conclusion

The Maryam Nawaz 15 Lakh Loan Scheme 2025 is a revolutionary initiative that offers a lifeline to low-income families in Punjab. By providing interest-free loans, flexible repayment options, and a 7-year repayment period, this scheme makes homeownership a reality for thousands of families who have long struggled with financial constraints. If you meet the eligibility criteria, don’t miss this opportunity to secure your interest-free loan and take the first step towards building your dream home.

By leveraging the Maryam Nawaz 15 Lakh Loan Scheme 2025, thousands of families in Punjab can now look forward to a brighter future, free from the financial burden of high-interest loans. This initiative is not just about building houses; it’s about building dreams, fostering hope, and creating a more equitable society. Don’t miss this chance to secure your future apply today.

For the latest updates, visit the website PunjabGovSchemes.pk or follow government announcements.