Maryam Nawaz Loan Scheme: Apni Chhat Apna Ghar Construction of 20,000 Homes

What if it were no longer a dream to own a home?

That is what the Maryam Nawaz Loan Scheme, Apni Chhat Apna Ghar, is attempting to do. The program will provide interest-free loans and low repayment rates to thousands of families who cannot afford houses in Punjab.

World Bank reports show that there is over 10 million homes shortage in Pakistan. This plan specifically addresses that loophole as it provides the families with an opportunity to finally own their own roof.

Overview of Maryam Nawaz Loan Scheme for Housing in Punjab

One of the largest housing programs in Punjab is Maryam Nawaz Loan Scheme – Apni Chhat Apna Ghar. The idea is straight and simple: assist the families who cannot afford to rent costly apartments or take costly loans to build their own homes.

The government of Punjab has planned 20,000 housing units initially and even more in the future. The families could apply to get interest-free loans with the option of making flexible installments that are below average rent. This comes as a savior to low and middle-income individuals, who are unable to afford permanent housing.

Project Vision of Apni Chhat Apna Ghar Scheme

The proposed vision of this housing program is to have a planned home under the roof of every family in Punjab. Families now have the opportunity to make installment payments and own homes, which would otherwise have taken them years to pay the rent.

This scheme helps Pakistan in its overall housing objective. A total of more than 10 million units of housing is estimated to be in short supply in Pakistan, according to the World Bank. The government is making a tangible move in alleviating this split and improving the living standards by embarking on this project.

Maryam Nawaz’s Message on Apni Chhat Apna Ghar Housing Loan Scheme

وزیر اعلی پنجاب کا پیغام

اپنی چھت اپنا گھر پروگرام جو میرے دل کے بہت قریب ہے اس میں آپ کا خیر مقدم کرتے ہوئے مجھے بے حد خوشی اور اطمینان ہے۔ ہمارا پنجاب میں خاندان کے لیے سستے گھر فراہم کرنے کا مقصد سادہ لیکن بہت شاندار ہے۔ گھر کا مالک ہونا صرف دیواروں اور چھتوں کی حد تک محدود نہیں بلکہ یہ سلامتی، باوقار زندگی روشن مستقبل اور خوابوں کی تعبیر کے مترادف ہے۔ آپ چاہے مزدور ہیں اُستاد ہیں یا کسی چھوٹے کاروبار کے مالک ہیں یہ پروگرام آپ سب کو مدنظر رکھتے ہوئے تشکیل دیا گیا ہے۔ ہمیں ادراک ہے کہ ہر شہری ایک محفوظ اور آرام دہ گھر کا مستحق ہے۔

ڈویلپرز، مالیاتی اداروں اور ہماری ہونہار اور محنتی ٹیم کے باہمی تعاون کے ذریعے ہم پنجاب کے ہر شہری کے لیے گھر کی ملکیت کی رسائی کے لیے پر عزم ہیں۔ ہمارے تشکیل دئیے گئے ماڈلز چاہے وہ بڑے شہروں میں گھر فراہم کرنے کے عوض سرکاری زمین کی فراہمی ہو یا اس پروگرام کے تحت نجی ہاؤسنگ سکیموں میں سستے مکانات سے مستفید ہونے والے معزز شہریوں کو سبسڈی مہیا کرنا ہو یا شہری علاقوں میں 5 مرلہ تک پلاٹ مالکان بمعہ قبضہ اور دیہاتی علاقوں میں مرلہ تک پلاٹ مالکان بمعہ قبضہ کو بلاسود قرضہ فراہم کرنا ہو، یہ سب کے سب ہمارے کم آمدنی والے خاندانوں کی ترقی کے عزم کی عکاسی کرتے ہیں۔ تبدیلی کے

اس سفر میں آپ ہمارا ساتھ دیں اور ہم مل کر صرف گھر ہی نہیں بلکہ ایک ایسا معاشرہ تشکیل دیں جہاں خواب حقیقت کا روپ دھارتے ہوں۔

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مریم نواز شریف

Expected Outcomes of Maryam Nawaz Housing Loan Scheme

The Maryam Nawaz Loan Scheme, Apni Chhat Apna Ghar, will introduce significant reforms to the Punjab economy and housing.

• The first phase will constitute 20,000 new homes.
• The scheme will grow to 70,000 home loans eventually.
• The tenants of rented houses will eventually settle down in new houses.
• The scheme will be employed in the construction, cement, steel, and real estate sectors.
• It will also alleviate the shortage of houses, which, according to experts, is more than 10 million units in Pakistan.

This scheme is not about houses, in short. It concerns the security, stability, and economic growth of thousands of families.

Details of Maryam Nawaz Apni Chhat Apna Ghar Loan Program

The following are the key specifics of the Maryam Nawaz Loan Scheme:

Interest-Free Loans: The families will not face any extra costs related to loans.

Government Subsidy: The Punjab government subsidizes the cost up to 60 percent.

Affordable Payments: You will pay less than the average big city rent.

District Quota: The loan application will be spread equally in Punjab.

Simple Registration: The Registration is carried out online, in the banks, or physically.

Target Families: Widows and low-income families, including first-time home owners, are given priority.

This renders the program one of the cheapest housing programs in the history of Pakistan.

In addition to the Apni Chhat Apna Ghar Program, there are other Government Loan Schemes 2025.

They are also accessible to youth, entrepreneurs, and home buyers in Pakistan.

District-Based Quota in Maryam Nawaz Loan Scheme 2025

Breakdown of the quota per district, by PHATA regions and zones, has been published in detail, and is consistent with official allocations within Punjab.

Zone	PHATA Region	Districts	Loan Allocations (Estimated Total)
Center	Bhakar Region	Bhakar, Khushab, Layyah, Mianwali, Muzaffargarh.	~4,423 units
	Faisalabad Region	Chiniot, Faisalabad, Jhang, Sargodha, Toba Tek Singh.	~2,511 units
North	Lahore Region	Gujranwala, Hafizabad, Kasur, Lahore, Nankana Sahib, Narowal, Okara, Pakpattan, Sialkot.	~5,804 units
	Rawalpindi Region	Attock, Chakwal, Gujrat, Jhelum, Mandi Bahauddin, Rawalpindi.	~2,198 units
South	Bahawalpur Region	Bahawalnagar, Bahawalpur, Rahim Yar Khan.	~1,684 units
	Multan Region	DG Khan, Khanewal, Lodhran, Multan, Rajanpur, Sahiwal, Vehari.	~3,390 units
Overall Total			~17,500 housing units

Execution Models of Apni Chhat Apna Ghar Housing Loan

The housing scheme is designed in three execution models, and all the models are aimed at ensuring that families in Punjab can afford the housing plan.

Execution Model 1: 10,000 Housing Units under Maryam Nawaz Loan Scheme

• Housing will be done on state-owned land and in collaboration with the private developers. 
• The infrastructure will be provided by PHATA (Punjab Housing and Town Planning Agency), and the designs of the construction will be approved by it.
• The layout or infrastructure cannot be changed by developers unless approved by the government.
• The size of the houses and design will determine the installment amounts that will be fixed by the Punjab government.
• Infrastructure such as trunk roads and utilities will also be taken up by PHATA.
• The developers will not be subsidized to develop infrastructure; the cost is clear.

This model is the pilot scheme and has 10,000 affordable housing units.

Execution Model 2: 20,000 Housing Units under Maryam Nawaz Loan Scheme

• Focuses on developing 20,000 houses in residential zones to target the low- and middle-income families.
• The developers will need to be approved under the Affordable Private Housing Schemes (APHS) Rules 2020.
• A one-window system will ensure quicker approvals, which will not be held up by various departments.
• House size and design will be of quality and equity, and will be standardized by PHATA.
• All money will be secured by using escrow accounts.
• Families will make installments over a period of up to five years, then management will be handed over.
• PHATA shall oversee the building in terms of quality.

This model enhances collaboration between the public and the private on affordable housing.

Execution Model 3: 70,000 Loans for Housing Units under Maryam Nawaz Program

Interest-free housing loans are available to families that already own land.

Eligibility:

• 1-5 marla plots in urban areas.
• 1-10 marla plots in rural areas.

The loan may be repaid within 5 to 7 years, with repayment amounts determined by the repayment term.

The government will finance operations and taxes.

The loan can be used by the applicants to build, expand, or renovate their houses.

This model has direct benefits to land owners as it provides them with the money to construct houses without charging interest.

In short:

• Model 1: 10,000 homes on state land.
• Model 2: 20,000 homes in personal residential developments.
• Model 3: 70,000 interest-free loans to construct on your own.

Initial Verification Process for Maryam Nawaz Housing Loan Scheme

To enhance transparency and fairness, a rigorous flow of specification checks is to be conducted on any loan applicant before it is approved. The move is intended to ensure that the scheme is enjoyed only by real and worthy families.

Verification Process steps.

• Application Submission: Applicants submit their details either online or physically in special offices/banks.
• Identity Check: This gives a check of the authenticity of the applicant by verifying their CNIC (Computerized National Identity Card) as specified in NADRA.
• Household Verification: Family information is verified by use of the family Registration Certificate (FRC).
• Income / Poverty Score Check: This assesses gross national income using the PMT (Poverty Means Test) score, indicating whether an applicant has been placed in the eligibility range of low or middle income.
• Land/Property Record Checking: In the case of applications under the loan model, ownership of property (1-5 marla in urban, 1-10 marla in rural) is confirmed by land records.
• Cross-Departmental Screening: PHATA, Revenue Department, and other concerned government departments ensure that the applicant has not been found with duplicate applications or past disqualifications.
• Approval & Shortlisting: Verification leads to shortlisting and notification to shortlisted applicants by SMS, email, or official notice.

Benefits of Maryam Nawaz Loan Scheme: Apni Chhat Apna Ghar

Maryam Nawaz Loan Scheme, Apni Chhat Apna Ghar, is not a mere housing project. It aims at ensuring that thousands of families in Punjab have safe and permanent homes. Here are the key benefits:

Interest-Free Housing Loans under Maryam Nawaz Scheme

This scheme offers loans without any interest, as opposed to normal bank loans, which include hefty interest charges. Families pay the real cost of their houses. The government of Punjab subsidizes and pays operational costs, so low and middle-income people can now afford a home.

Affordable Housing through Maryam Nawaz Loan Program

The installment schemes are meant to be lower than the average monthly rent in the cities of Punjab. This implies that the amount paid by a family today as rent can be used in the future to buy a house of their own. It eliminates the greatest problem facing the working class, the inability to afford permanent homes without a financial burden.

Easy Registration in Maryam Nawaz Loan Scheme

The process of application is made uncomplicated and clear. The application can be done online, in physical, or through the helpline. This makes individuals in both rural and urban settings equal beneficiaries of the scheme.

Permanent Residence Ownership under Apni Chhat Apna Ghar

The long-term aim of this programme is to assist families to become permanent house owners instead of temporarily rented houses. Home ownership provides permanence, stability, and dignity. It will be the first time that many will be able to assert: “This is our own house”.

Government Subsidy in Maryam Nawaz Loan Scheme 2025

Government subsidy can be considered one of the greatest benefits of the Maryam Nawaz Loan Scheme 2025. The Punjab government has promised to pay up to 60 percent of the house price, with only 40 percent being paid by the applicant.

This subsidy ensures that:

• The monthly payments remain low and affordable.
• The extra charges or the burden of interest are not shared among the families.
• Even the poor households can be provided with permanent housing.

Through straight cost-sharing, the government is helping home ownership become affordable to families that would otherwise never afford it.

Eligible Cities for Apni Chhat Apna Ghar Housing Loan Scheme

The scheme is being implemented in stages in Punjab. The coverage of the major urban and semi-urban areas in the first phase will be followed by smaller district coverage in later stages of the program.

Qualified Cities (Phase One implementation):

Lahore

Faisalabad

Multan

Rawalpindi

Gujranwala

Bahawalpur

Sialkot

Sargodha

The district-based quota system will add additional districts and rural towns to the state of Punjab gradually.

Eligibility Criteria for Maryam Nawaz Housing Loan Program

The government has put in place clear rules in order to ensure the Maryam Nawaz Loan Scheme-Apni Chhat Apna Ghar gets into the right hands.

Who Can Apply?

• Should be a Pakistani citizen having a valid CNIC.
• Should not already have a permanent house. The choice to buy a home will be on a first-come first first-served basis (First-time homeowners will have the first option).
• All low and middle-income families are welcome to apply.
• The widows, the orphans, and the less privileged will have preference.

For loan-based construction:

• Should have an urban plot of 1 to 5 marla.
• Or 1 to 10 marla of land in the country districts.

It is under these terms that the program is indeed benefiting deserving families in Punjab.

Installment Plan of Maryam Nawaz Loan Scheme, Apni Chhat Apna Ghar

The installment plan is also an affordable plan that attracts a large number of people to this scheme.

• The installments will be lower than the average rents in big cities in Punjab.
• Families have an option of repayment of 5 to 7 years.
• The monthly payment varies with the size of the house or the loan value taken.
• To many families, paying installments will be like paying rent, except that in the end, they will own a house.
• Since the government subsidizes up to 60 percent, installments are affordable even to minimum wage earners.

How to Check Whether You’re Eligible for Maryam Nawaz Loan Scheme or Not?

You can check your eligibility in the following ways.

1. SMS / Helpline Code

These can be sent to an official short code via SMS using your CNIC number (similar to the Ehsaas / BISP program).

Presently, the Punjab Govt. has launched 8171 (identical to that of BISP) to verify PMT score and NSER registration.

• Type your CNIC number
• Send it to 8171
• You will be informed whether you are registered and whether you are in the eligible category.

2. Official Online Portals

You may also check online:

Apni Zameen Apna Ghar (Land Eligibility): azag.punjab.gov.pk.

Apni Chhat Apna Ghar (Loan Eligibility): acag.punjab.gov.pk.

Status can be tracked by entering the CNIC number.

3. District DC Office Helpdesk

In case you do not receive confirmation either through SMS or online, you may contact your local Deputy Commissioner’s office, where scheme desks are already established. They will check your CNIC and direct you.

How to Apply for Maryam Nawaz Loan Scheme 2025?

It is easy to apply to the Maryam Nawaz Loan Scheme, Apni Chhat Apna Ghar. There are several registration methods offered by the government, and therefore, both rural and urban families can obtain registration easily.

Required Documents for Maryam Nawaz Housing Loan Scheme

The following documents should be presented by the applicants:

• Valid CNIC (Computerized National Identity Card).
• Family Registration Certificate (FRC) of NADRA.
• Evidence of income (salary slip, pension slip, or business income proof).
• Papers on land ownership (loan-based housing on plots).
• Passport-size photographs.

Online Registration for Maryam Nawaz Apni Chhat Apna Ghar Scheme

Visit the official portal: apnichhatapnaghar.pk.

Write in your personal, family, and income information.

Post scanned documents of the documents needed.

WestJettes will take the form and record the application number.

The quickest and most open registration is online.

Toll-Free Helpline for Maryam Nawaz Loan Scheme Applicants

There is an exclusive toll-free helpline. Applicants can:

• Eligibility questions and document questions.
• Assistance in completing the online form.
• Look up application status.

(On the official scheme site, one can find the helpline number.)

Physical Application Forms for Maryam Nawaz Housing Loan Program

Individuals who are not able to apply online:

• Forms are made in selected banks, district PHATA offices, and housing scheme offices.
• Applications may be completed by hand and submitted along with the required documents.
• Present the application to the closest collection point.

Conclusion

The Maryam Nawaz Loan Scheme, Apni Chhat Apna Ghar, is not a mere housing program. Thousands of families in Punjab are promised dignity, security, and stability. The scheme also leads to permanent ownership of homes by the low and middle-income groups through interest-free loans, subsidies up to 60 percent, low installments, and equitable quotas based on the district of residence.

The program will not only solve the housing shortage problem in Pakistan, but it will also employ people in the building industry by combining government assistance with transparent implementation models. To most families, this scheme will make the dream of saying that this is our own home a reality.

Frequently Asked Questions(FAQs)