Maryam Nawaz Housing Scheme – Complete Guide

Introduction – Problem, Agitation, Fix (PAF)

Many families in Punjab still do not have a house of their own.
They live in rented spaces or with relatives due to lack of money.
The cost of building a house is high, and bank loans are difficult to get.
To solve this issue, the Punjab Government launched the Maryam Nawaz Housing Scheme.
This scheme gives interest-free loans of 15 lakh rupees to people who want to build their homes.
If you own a piece of land but lack money, this scheme can help you start building your house today.

What is the Maryam Nawaz Housing Scheme?

The Maryam Nawaz Housing Scheme is a government loan program.
It is designed for low and middle-income families in Punjab.
The Punjab Government offers an interest-free loan of 15 lakh rupees.
The loan is meant for building a house on your own land.
The loan is repaid in small monthly installments.
This scheme is supported and supervised by the Punjab Government for full transparency.

Benefits of the Maryam Nawaz Housing Scheme

The scheme offers many benefits for the people of Punjab.

• Interest-free financing for home construction

• Affordable repayment in small monthly installments

• Government-backed program, ensuring full security

• Easy registration through an online portal

• A chance for low-income families to own a house

Who Can Apply for This Housing Scheme?

The government has set some conditions to ensure only eligible people apply.
You can apply if you meet these requirements:

• You are a permanent resident of Punjab

• You are a citizen of Pakistan

• You own at least 5 marlas of land in urban areas or 10 marlas in rural areas

• You are the head of the family

• You have not taken any loan from other government housing schemes

• You have no criminal record

If you meet all these points, you are eligible to apply.

How to Register for the Maryam Nawaz Housing Scheme

The Punjab Government has made registration easy through the ACAG portal.
Follow these steps to register:

Step 1: Create an Account

Go to the official ACAG portal (acag.punjab.gov.pk)
Enter your CNIC, mobile number, email, and set a password
Click the Register button to create your account

Step 2: Log In to Your Account

Use your CNIC and password to log in to the portal

Step 3: Upload Documents

Upload a clear copy of your CNIC
Upload your land ownership documents (clear and readable)

Step 4: Submit Your Application

Fill in any extra required information
Submit your form after reviewing all details
Your application will be reviewed by the concerned department

Loan Details and Repayment Plan

Here are the main points about the housing loan provided under this scheme:

• Loan amount: 15 lakh rupees

• Interest: No interest will be charged

• Installments: Monthly payment of 14,000 rupees

• Duration: Loan must be repaid within seven years

• Late fees: Charges will apply for missed payments (as per bank rules)

Make sure to pay your installments on time to avoid penalties.

Loan Approval and Disbursement Process

Once you apply, your application is reviewed by the Punjab Government.
After review, a lottery (ballot) system is used to select beneficiaries.
This draw is done at the district level for fairness.
If selected, you will get the loan in installments.
Each installment will match the construction progress of your house.
This ensures funds are used only for home building.

Final Thoughts

The Maryam Nawaz Housing Scheme is a big step by the Punjab Government to help poor and middle-class families.
It gives a loan of 15 lakh rupees with no interest to build a house on your own land.
If you meet the eligibility criteria, you should apply without delay.
The registration is simple and can be done online through the ACAG portal.
The loan is safe, backed by the government, and can change your life.
Do not miss this opportunity if you dream of owning your own home in Punjab.

Frequently Asked Questions (FAQs)

What is the Maryam Nawaz Housing Scheme?
It is a Punjab Government program that gives interest-free loans of 15 lakh rupees to people for home construction.

Who can apply for this housing scheme?
Any permanent resident of Punjab who owns land and is the head of the family can apply.

How can I apply for the housing loan?
Visit acag.punjab.gov.pk, register, and submit your documents online.

What documents are needed to apply?
You need your CNIC and property ownership papers.

Is the loan really interest-free?
Yes, it is completely interest-free.

What is the monthly payment plan?
You will pay 14,000 rupees per month for seven years.

What if I miss an installment?
Late fees will be charged based on the bank’s policy.

How are the winners selected?
A district-level draw will be held to choose loan recipients.

How will I receive the loan amount?
The loan is given in parts based on the construction progress.

Can I apply if I already took a government loan?
No, you cannot apply if you have taken a loan under any other government housing scheme.