How Can I Register for the Maryam Nawaz 15 Lakh Loan in 2026, Chief Minister Maryam Nawaz Sharif has expanded the housing relief program for the people of Punjab. Under this scheme, eligible citizens can get an interest-free loan of Rs. 15 lakh (1.5 million) to construct a house on their own land. The best part is that you don’t have to pay any extra markup—you only return the principal amount in easy monthly installments over 7 years.
Quick Facts About the 15 Lakh Loan Scheme
Who is Eligible to Apply?
To qualify for this loan in 2026, you must meet the following simple criteria:
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Punjab Resident: You must be a permanent resident of Punjab (verified by your CNIC).
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Land Ownership: You must already own a plot of land.
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Urban areas: Plot size of 1 to 5 Marla.
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Rural areas: Plot size of 1 to 10 Marla.
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Income Level: Your monthly family income should ideally be below Rs. 50,000.
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PSER Survey: You must have completed the Punjab Socio-Economic Registry (PSER) survey.
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Clean Record: You should not be a bank defaulter and should have a clear criminal record.
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First-Time Homeowner: Preference is given to those who do not already own a constructed house.
Required Documents for Registration
Before opening the online portal, make sure you have clear photos or scans of these documents:
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Original CNIC: Front and back copies.
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Proof of Land Ownership: Fard, Registry, or allotment letter in your name.
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Passport Size Photo: A recent, clear photograph.
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Registered Mobile Number: A SIM card registered on your own CNIC.
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Proof of Income: Salary slip or a simple declaration of your monthly earnings.
Step-by-Step Online Registration Guide
Applying for the 15 lakh loan is now 100% digital. Follow these steps carefully:
Step 1: Visit the Official Portal Go to the official website: acag.punjab.gov.pk. This is the only official government link for the “Apni Chhat Apna Ghar” scheme.
Step 2: Create an Account Click on the “Register” button. You will need to enter your Name, CNIC number, Phone number, and Email. You will receive an OTP (code) on your phone to verify your identity.
Step 3: Fill Out the Application Form Once logged in, you will see a detailed form. Enter your:
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Personal Details: Father’s name, address, and date of birth.
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Plot Details: Size of your plot and its exact location (Division, District, Tehsil).
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Employment Info: Your job title and monthly income.
Step 4: Upload Your Documents Attach the photos of your CNIC, your picture, and your land ownership papers. Ensure the files are not too blurry, or your application might be rejected.
Step 5: Review and Submit Check all information one last time to avoid spelling mistakes. Click “Submit.” You will receive a confirmation SMS and a Tracking ID.
How the Selection Process Works
Since millions apply, the government uses a transparent computerized balloting (lucky draw) to select winners in different phases.
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Verification: If your name is drawn, a government team (usually from PHATA or the local AC office) will visit your plot to verify your ownership.
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Disbursement: The loan is not given all at once. It is released in installments according to the progress of your house construction (e.g., first payment for the foundation, second for the walls, etc.).
Important Tips to Avoid Rejection
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Plot Ownership: The plot must be in the applicant’s name. If the land is in your father’s or brother’s name, you cannot apply until it is legally transferred to you.
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No Middlemen: Do not pay any “fee” to anyone to get your loan approved. The registration is 100% Free.
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Helpline: If you face any technical issues, call the official helpline at 0800-09100.