Maryam Nawaz Easy Home Loan 2026: Complete Interest-Free Housing Guide

Published On: January 26, 2026

Maryam Nawaz Easy Home Loan 2026: Complete Interest-Free Housing Guide

The Maryam Nawaz Easy Home Loan 2026, also known as the “Apni Chhat Apna Ghar” program, is a flagship initiative by CM Punjab Maryam Nawaz Sharif to address Pakistan’s housing shortage. The program provides interest-free loans up to Rs. 1.5 Million (15 Lakh) to low- and middle-income families for house construction.

As of January 2026, the scheme has entered a high-velocity phase, targeting 100,000+ houses for completion this year.

Features of the 2026 Scheme

Loan Amount: Up to Rs. 1.5 Million for construction.
Interest Rate: 0%, only principal repayment.
Monthly Installment: ~Rs. 14,000, cheaper than average rent.
Grace Period: 3 Months – no payment for first 90 days.
Repayment Tenure: 7 to 9 years.

Eligibility Criteria

Applicants must meet the following requirements:

Residency: Permanent Punjab resident (verified via CNIC).
Land Ownership:
- Urban: 1–5 Marlas.
- Rural: 1–10 Marlas.
Income Limit: Preferably under Rs. 60,000/month.
Financial Record: No bank defaulters.
Poverty Score: PMT ≤ 60 (NSER/PSER database).

How to Apply Online (Step-by-Step)

Visit the Official Portal: acag.punjab.gov.pk
Register: Click “Registration”, enter CNIC, mobile, and email.
Complete Profile: Fill address, family details, and personal info.
Upload Documents:
- CNIC copy
- Proof of plot ownership (Registry/Fard/Allotment Letter)
- Plot photographs
Submit Application: Verify details and submit. Receive tracking ID via SMS from 8070.

Execution Models

Self-Construction: Loans for individuals with plots (Most Popular).
Private Housing Schemes: Subsidized homes in approved private developments.
State Land Projects: Apartments/small houses on government land in cities like Lahore, Faisalabad, and Multan.

Latest Updates – January 2026

Balloting: Computerized monthly selection of winners.
Phase II: Over Rs. 8.5 Billion disbursed to 9,000+ winners.
Joint Family Expansion: Multiple family members can now apply on shared ancestral land.
Safety Warning: Registration is free; avoid agents. Official updates only via 8070 or ACAG portal.