The Maryam Nawaz Easy Home Loan 2026 is one of the most impactful housing initiatives launched by the Punjab Government to help low- and middle-income families build their own homes without the burden of interest. Officially known as the Apni Chhat Apna Ghar program, this scheme offers interest-free loans of up to Rs. 1.5 million for house construction across Punjab.
Introduced under the leadership of Maryam Nawaz Sharif, the program aims to reduce the housing shortage while giving families the dignity and security of owning a home.
What Is Maryam Nawaz Easy Home Loan 2026?
The Maryam Nawaz Easy Home Loan is a zero-interest housing finance program designed for people who own small plots but cannot afford construction costs due to high inflation and expensive bank loans.
Instead of commercial interest-based financing, the government provides easy monthly installments, making home construction more affordable than renting in many areas.
Key Features of Maryam Nawaz Easy Home Loan 2026
This scheme has been designed to remain affordable and transparent for ordinary citizens.
Main Features
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Loan Amount: Up to Rs. 1,500,000 (15 Lakh)
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Interest Rate: 0% (Interest-free)
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Monthly Installment: Around Rs. 14,000 (approx.)
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Grace Period: First 3 months (no installment)
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Repayment Period: 7 to 9 years
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Coverage: Urban and rural Punjab
For many families, the monthly installment is lower than average house rent, making it a practical long-term solution.
Who Is Eligible for Maryam Nawaz Easy Home Loan 2026?
Eligibility is verified through official government databases to ensure fairness.
Eligibility Criteria
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Permanent resident of Punjab (CNIC verification)
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Ownership of residential plot:
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Urban: 1 to 5 Marla
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Rural: 1 to 10 Marla
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Monthly household income preferably below Rs. 60,000
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Applicant must not be a bank defaulter
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Poverty score within allowed limits (PSER / NSER records)
Special Relief
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Joint families can apply for home expansion loans
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Priority for low-income and first-time homeowners
How to Apply Online – Step-by-Step Guide (February 2026)
The application process is fully online and completely free.
Online Application Steps
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Visit the official portal: acag.punjab.gov.pk
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Click on Registration
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Enter CNIC, mobile number, and email address
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Complete your personal and family profile
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Upload required documents
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Submit the application
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Receive tracking ID via SMS (8070)
Always double-check your details before submission.
Documents Required for Application
Prepare the following documents in advance:
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CNIC (front & back)
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Proof of plot ownership (Registry / Fard / Allotment Letter)
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Recent photographs of the plot
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Basic family and address details
Incomplete or incorrect documents may delay approval.
Construction & Loan Execution Models
The scheme supports multiple housing models to meet different needs.
Available Models
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Self-Construction Model
For individuals who already own a plot and want to build their house. -
Private Housing Schemes
Subsidized housing units in approved private projects. -
Government Land Projects
Apartments or small houses on state land in cities like Lahore, Faisalabad, and Multan.
Latest Updates (February 2026)
The program has entered an accelerated phase.
Recent Developments
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Monthly computerized balloting for transparency
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Over Rs. 8.5 billion already disbursed
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More than 9,000 families benefited
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Joint family home expansion officially allowed
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Strict action against agents and fake portals
All official communication is done through 8070 SMS and the official portal only.
Important Safety Instructions
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Registration is 100% free
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Do not pay agents or middlemen
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Use only the official ACAG portal
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Keep your tracking ID safe
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Report suspicious messages immediately
Why This Scheme Matters
The Maryam Nawaz Easy Home Loan 2026 is not just a loan—it is a social stability initiative. By making housing affordable, the government is helping families move out of rental dependency and build long-term security.
With zero interest, simple eligibility, and digital transparency, the scheme represents a new model of citizen-focused housing support in Punjab.
Frequently Asked Questions (FAQs)
How much loan can I get under this scheme?
Up to Rs. 15 lakh, depending on eligibility and plot size.
Is the loan really interest-free?
Yes. You only repay the principal amount.
Can joint families apply?
Yes. Joint family expansion is allowed.
How will I know if I’m selected?
Through official 8070 SMS notification after balloting.
Is there any application fee?
No. The process is completely free.
Final Words
The Maryam Nawaz Easy Home Loan 2026 is a practical and people-centric housing solution for families who dream of owning a home but lack financial resources. With transparent balloting, interest-free installments, and wide coverage, this program has the potential to reshape housing access in Punjab.
Applicants are advised to apply early and follow official channels only for updates.
