15 Lakh Scheme. The Punjab government has launched a major housing relief initiative under the leadership of Chief Minister Maryam Nawaz Sharif, introducing the Apni Chhat Apna Ghar Scheme for low-income families. This program aims to help deserving citizens build their own homes by offering an interest-free loan of Rs. 15 lakh.
This initiative is being considered one of the most impactful welfare housing schemes in Pakistan, especially for families who do not own a house and struggle with rising construction costs.
What is the Apni Chhat Apna Ghar Scheme?
The Apni Chhat Apna Ghar Scheme is a housing loan program introduced by the Punjab government to empower poor and middle-class families. Under this scheme, eligible applicants can receive Rs. 1.5 million (15 lakh) interest-free loan to construct their own house.
The primary objective of this program is to reduce homelessness and provide housing stability to families who have land but lack financial resources to build a home.
Latest Update About the 15 Lakh Loan Scheme
According to the latest updates, the Punjab government has started online registrations for the scheme, allowing applicants to apply from home. Authorities have also introduced a verification and tracking system to ensure transparency and prevent fraud.
Shortlisted applicants will receive SMS notifications regarding eligibility and loan disbursement. The government is implementing the scheme in phases, meaning some applicants may receive loans in later stages after verification.
Interest-Free Loan and Easy Installment Plan
One of the biggest advantages of this scheme is that the loan is completely interest-free. Beneficiaries will be able to repay the amount in easy monthly installments over seven years.
Key repayment details:
- Total loan amount: Rs. 15 lakh
- Monthly installment: Around Rs. 14,000
- Repayment duration: 7 years
- Grace period: First few months may have relaxed payment terms
This flexible repayment model makes the scheme accessible to families with limited income.
Who Can Apply for Maryam Nawaz 15 Lakh Scheme?
The Punjab government has defined clear eligibility criteria to ensure the loan reaches deserving families only. Applicants must meet the following requirements:
Eligibility Criteria
- Must be a permanent resident of Punjab
- Must be 18 years or older
- Applicant should be married
- Must not own a house already
- Should own 5 marla urban land or 10 marla rural land
- Must complete the PSER survey
According to recent updates, the PMT score requirement has been removed, making the scheme accessible to a wider population.
Features and Benefits of the Scheme
The Apni Chhat Apna Ghar program offers several benefits for low-income families. It is designed not just as a loan but as a long-term housing solution.
Key Benefits
- Interest-free housing loan
- Easy monthly installment plan
- Online application process
- Transparent verification system
- SMS alerts for applicants
- Government monitoring to prevent scams
The Punjab government aims to support around 70,000 families through this housing initiative.
How to Apply for Maryam Nawaz 15 Lakh Scheme Online
The application process for the scheme is simple and fully online. Follow these steps to apply:
Step-by-Step Registration Process
- Visit the official website of the scheme.
- Click on the registration button.
- Enter your CNIC number and personal details.
- Provide contact information including phone number.
- Add details about your land ownership and employment.
- Upload required documents:
- Front and back of CNIC
- Passport-size photograph
- Review the application carefully.
- Accept terms and conditions and submit the form.
After submission, your application will go through verification. Eligible candidates will be informed via SMS.
Loan Distribution and Phases
The government has announced that the loan distribution will take place in multiple phases. Applicants who apply early and meet eligibility requirements may receive loans sooner, while others may be included in later phases.
Authorities have also introduced a helpline and tracking system to help applicants check their application status and avoid misinformation.
Why This Scheme is Important for Punjab
The Apni Chhat Apna Ghar Scheme is a major step toward solving housing problems in Punjab. Many families already own small plots but cannot afford construction costs. This program bridges that gap by providing financial assistance without interest.
It also promotes:
- Economic stability
- Home ownership
- Reduced urban housing pressure
- Improved living standards
Experts believe such welfare initiatives can significantly improve quality of life for lower-income communities.
Conclusion
The 15 Lakh Maryam Nawaz Housing Scheme is a golden opportunity for low-income families in Punjab who dream of owning their own home. With an interest-free loan, easy installments, and an online application system, the scheme is designed to be accessible and transparent.
