Punjab Chief Minister Maryam Nawaz Sharif unveiled the provincial government’s new housing scheme, “Apna Chhat Apna Ghar” (Our Roof, Our House), on Wednesday. Under this initiative, landowners in urban areas with 1-5 marla plots and those in rural areas with 1-10 marla plots will receive interest-free loans of Rs1.5 million to build their own homes.
Maryam Nawaz Housing Loan Scheme 2024
The CM explained that the loans would be repaid over seven years, with a grace period of three months. The maximum monthly installment was set at Rs14,000 to ensure affordability for families. She emphasized that this amount was manageable for covering essential expenses like children’s education, utilities, food, and healthcare.
CM Punjab Loan Scheme | acag.punjab .gov.pk
Interested individuals can apply online through the PITB’s online portal. For those less familiar with technology, a dedicated helpline, 080009100, has been established.
Apna Ghar Apni Chat Eligibility Criteria
- Applicants must own a plot of land measuring 5 marlas or less in urban areas or up to 10 marlas in rural regions.
- Additionally, they must have a clean criminal record, free of convictions for violent crimes, anti-state activities, or other serious offenses.
- The applicant is a head of his/her beta (nucleus) family as per the NADRA record.
- Applicant is a permanent resident of Punjab as per his/her CNIC.
- Applicant is the sole owner and possessor of a parcel of land measuring 5 Marla or less in urban areas and land up to 10 Marla in rural areas anywhere in Punjab, on the date of online application submission, wherein he/she intends to build his/her house.
- Applicant should not have a criminal record such as being convicted for anti-state, anti-social activities heinous crimes, etc.
- Applicant should not be a loan defaulter of any financial institution/ bank etc.
- The applicant is registered with the National Socio-Economic Registry (NSER) in a household having a PMT score of 60 or less.
- Apni Chhat Apna Ghar Scheme Apply Online
Maryam Nawaz Loan Scheme For House Apply Online
Applications for the CM Housing Scheme are now open! You can submit your application online through the government’s website: https://acag.punjab.gov.pk/
- Visit the application website: https://acag.punjab.gov.pk/
- Click the “Register” button located on the top left corner of the page.
- A new application form will appear. Fill out all sections with accurate and complete information.
- Once finished, click “Submit” to complete your registration and submit your application.
The CM Apna Ghar Apna Chat Scheme offers a significant opportunity for low-income families in Punjab to own a home without the burden of interest. With both online and offline application options available, eligible families earning less than Rs. 60,000 can easily apply and secure their future. This initiative provides a pathway to homeownership for those who may have previously struggled to achieve this goal.