Maryam Nawaz Loan Scheme 1500000
Maryam Nawaz Loan Scheme 1500000 is a revolutionary initiative of the Punjab government that has made the dream of building a house a reality for low-income families. This scheme was launched under the Apni Chhat Apna Ghar (ACAG) Program, which aims to provide interest-free loans to families who own land but do not have the financial capacity to build a house. Launched on the instructions of Punjab Chief Minister Maryam Nawaz Sharif, this scheme provides loans of up to Rs. 15 lakh in easy installments, in which the first three installments are also waived.
Only those families who are permanent residents of Punjab, own at least 5 marla urban or 10 marla rural land and are not defaulters with any bank are eligible under this scheme. The application process is also very easy, where citizens can apply from home by entering their CNIC, mobile number and property details on acag.punjab.gov.pk. This program is a new ray of hope for thousands of poor families who were waiting for their roof for years. Know all the details. In this article, we will tell you all the information in detail about how you can register.
What is the Maryam Nawaz Loan Scheme 1500000?
The Maryam Nawaz Loan Scheme 1500000 is part of the Punjab Government’s ongoing mission to provide accessible housing support to residents who are struggling with construction expenses. Under the guidance of Chief Minister Maryam Nawaz Sharif, the ACAG Program provides completely interest-free loans, ensuring applicants repay only the principal amount in easy monthly installments.
This initiative targets families who:
- Live in Punjab
- Own land (urban or rural)
- Have low income
- Do not own any constructed home
The program is designed to uplift communities, reduce housing insecurity, and promote development across Punjab.
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Key Features of the ACAG Housing Loan Program
The ACAG loan scheme includes several standout features that make it a highly beneficial option for land-owning families with limited financial resources:
- Loan amount up to Rs. 1,500,000 (15 lakh)
- Zero interest charges – repay only the original amount
- 7-year easy installment plan
- First 3 installments waived as financial relief
- 70,000 families to be selected in the first phase
- Fully online application process via ACAG portal
- Transparent verification and approval system
These features make the Maryam Nawaz Loan Scheme 1500000 one of the most impactful social welfare initiatives in the region.
Eligibility Requirements for Applicants
To ensure that the scheme benefits only truly deserving families, the Punjab Government has set strict eligibility criteria.
Who Can Apply?
- Permanent residents of Punjab
- Families owning at least 5 Marla land in urban areas
- Or 10 Marla land in rural areas
- Households with no constructed home
- Applicants not involved in any bank loan default
Who Cannot Apply?
- Families already owning a house
- Individuals without land ownership
- Applicants submitting false or incomplete documents
- Defaulters of financial institutions
These rules maintain transparency and fairness throughout the ACAG Program.
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Documents Required for the Application
Applicants must prepare the following documents before applying online:
- Valid NADRA CNIC (front and back)
- Property ownership documents
- Low-income certificate or income details
- Household electricity bill
- Registered mobile number linked with CNIC
- For women: husband’s or father’s CNIC and mobile number
- One passport-size photograph
Submitting accurate documents greatly increases the chances of quick approval.
Process to Apply Online Through the ACAG Portal
The digital process makes registration easier for families across Punjab.
Step-by-Step Process
- Visit the official portal: acag.punjab.gov.pk
- Create an account using your CNIC, mobile number, and password
- Enter personal details, land ownership information, and household income
- Upload scanned documents (CNIC, property papers, income proof, photo)
- Carefully review all entered details
- Accept terms and conditions
- Submit your application for verification
After submission, your application will be reviewed by the Punjab Housing Department, and if approved, the loan will be disbursed as per the government schedule.
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Loan Repayment & Installment Structure for ACAG Program
One of the strongest benefits of the Maryam Nawaz Loan Scheme 1500000 is its flexible and affordable repayment plan.
- Total loan amount: Rs. 1.5 million
- Monthly installment: Rs. 14,000
- Duration: 7 years (84 months)
- First 3 installments: completely waived
Because the loan is interest-free, families only repay the principal amount, reducing long-term financial burden.
How to Check Application Status Online via Portal?
Applicants can track their loan progress through the ACAG portal:
- Log in to your ACAG account
- Go to the “Application Status” section
- Review updates such as Pending, Under Verification, Approved, or Rejected
If any documents need correction, the system will notify you.
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Common Reasons for Application Rejection in ACAG Program
To avoid delays or rejection, applicants should be aware of the most common mistakes:
- Incorrect or unclear property documents
- Fake income certificates
- Unregistered or inactive mobile number
- Already owning a house
- Defaulter status with any bank
- Missing mandatory information
Ensuring accuracy is key to a successful application.
Why the Maryam Nawaz Loan Scheme Matters for People?
The Maryam Nawaz Loan Scheme 1500000 offers deserving families a once-in-a-lifetime opportunity to build their own homes without financial pressure. This scheme supports:
- Low-income families
- Widows and marginalized groups
- Rural and urban communities
- Housing development projects
- Long-term community stability
It is not just a loan — it is a pathway to dignity, security, and stability.
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Necessary Guidelines for Applicants
- Make sure your CNIC details match NADRA records
- Your mobile number must be active and registered
- Upload clear scanned copies of documents
- Ensure property papers match land ownership records
- Avoid submitting misleading or incomplete information
Frequently Asked Questions
What is the Maryam Nawaz Loan Scheme 1500000?
It is an interest-free housing loan under the ACAG Program, offering up to Rs. 1.5 million for families in Punjab to build their homes.
Who is eligible for the loan?
Families who own 5 Marlas (urban) or 10 Marlas (rural) of land, have low income, and do not own any constructed house.
How can I apply for the scheme?
You can apply online through the official ACAG portal: acag.punjab.gov.pk by creating an account and uploading required documents.
What are the repayment terms?
The loan must be repaid over 7 years in monthly installments of Rs. 14,000, with the first 3 installments waived.
Final Words
The Maryam Nawaz Loan Scheme 1500000 is a transformative effort by the Punjab Government to help land-owning families build their homes without the stress of high construction costs. With simple eligibility rules, an easy online application process, interest-free repayments, and a transparent verification system, this scheme stands as one of the most beneficial initiatives for low-income communities in Punjab.
Families meeting the criteria should apply through the ACAG portal and take advantage of this rare opportunity to secure a stable, safe, and permanent home for their future.
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