15 Lakh Interest-Free Home Loan
Owning a home is a dream for every Pakistani family, and now the Punjab Government has made it more achievable than ever. Under the leadership of Chief Minister Maryam Nawaz Sharif, the “Apni Chhat, Apna Ghar” program has been launched to support low-income families.
This initiative provides an interest-free loan of PKR 1.5 million (15 lakh) specifically for house construction. If you already own a small plot but lack the funds to build, this scheme is designed for you.
Eligibility Criteria
Before applying, make sure you meet the following requirements:
Residency
- You must be a permanent resident of Punjab
- Your CNIC should reflect a Punjab address
Family Status
- The applicant must be the Head of the Family
- This will be verified through NADRA records
Land Ownership
- Maximum 5 Marla plot in urban areas
- Maximum 10 Marla plot in rural areas
Financial Status
- Household PMT score must be 60 or below
- Verified through NSER/BISP data
Legal Record
- You must have a clean criminal record
- You should not be a bank defaulter
Application Process
The Punjab Government has made the entire process digital to ensure transparency and ease.
Official Portal: acag.punjab.gov.pk.
Step 1: Visit the Official Portal
- Go to: acag.punjab.gov.pk
Step 2: Register
- Create an account using your CNIC and active mobile number
Step 3: Fill Out the Form
- Enter personal details, property size, and location
Step 4: Upload Required Documents
- CNIC copy
- Proof of land ownership (Fard/Registry)
- Recent photograph
Step 5: Submit Application
- After submission, you will receive a Tracking ID to check your application status
Key Features of the Loan Scheme
| Feature | Details |
| Loan Amount | PKR 1,500,000 |
| Purpose | Construction only |
| Interest Rate | 0% (Interest-Free) |
| Monthly Installment | PKR 14,000 |
| Repayment Period | 7 years |
Conclusion
The “Apni Chhat, Apna Ghar” program is a major initiative by the Punjab Government aimed at providing affordable housing to low-income families. If you meet the eligibility criteria, this is a great opportunity to turn your dream of owning a home into reality. Apply as soon as possible and take the first step toward building your own house.
Frequently Asked Questions (FAQs)
Is there any interest or markup on this loan?
No, this is a completely interest-free (Qarz-e-Hasna) loan. You only repay the principal amount.
Can I apply if I don’t own land?
No, this phase of the scheme is only for individuals who already own a plot.
What is the Grace Period?
The scheme offers a 3-month grace period, meaning you don’t have to start paying installments immediately after receiving the loan.
How are beneficiaries selected?
If applications exceed the quota, a transparent electronic balloting system is used to select applicants.