The Punjab Government has started accepting applications again for the Apni Chhat Apna Ghar Program 2026, a major housing relief scheme launched under Chief Minister Maryam Nawaz Sharif. Through this program, low-income families can get an interest-free loan of Rs. 15 lakh to build their own house on already owned land.
Thousands of people search daily for registration details because most applicants are confused about where to apply, what documents are required, and whether they even qualify.
In this guide, you will learn the complete online registration method, eligibility criteria, documents, verification process, installment plan, and common mistakes that cause rejection so you can apply correctly on the first attempt.
What is the Maryam Nawaz 15 Lakh Loan Scheme?
The scheme is officially part of the Apni Chhat Apna Ghar housing initiative. It targets families who already own a small plot but cannot afford construction costs.
Under this program:
| Feature | Details |
| Loan Amount | Rs. 15,00,000 |
| Interest | 0% (completely interest-free) |
| Repayment Period | 7 years |
| Monthly Installment | Around Rs. 14,000 |
| Grace Period | First 3 months no installment |
| Purpose | House construction only |
| Province | Punjab only |
The government pays the markup, so applicants return only the principal amount.
Who is Eligible for Apni Chhat Apna Ghar 2026?
Before applying, check eligibility carefully. Most applications get rejected due to small mistakes here.
Basic Requirements
You can apply only if:
- Permanent resident of Punjab
- Monthly income below Rs. 50,000
- Completed PSER survey
- No criminal record
- Not a bank defaulter
Land Ownership Requirement
You must already own land:
| Area Type | Plot Size Required |
| Urban areas | 1 to 5 Marla |
| Rural areas | 1 to 10 Marla |
The land must be in your name according to land record authority.
Documents Required for Registration
Prepare scans before opening the portal. Incomplete uploads cause automatic rejection.
You will need:
- CNIC front and back
- Passport size photograph
- Registered mobile number
- Proof of land ownership (Fard / Registry)
- Income declaration
- PSER survey confirmation
Tip: Images should be clear and readable. Blurry uploads delay verification.
Step-by-Step Online Registration Method (2026)
This is the fastest and recommended method.
Step 1: Open the Official Portal
Go to the Punjab ACAG official website from your mobile or computer.
Step 2: Create Account
Click Register and enter:
- CNIC number
- Mobile number
- Email address
- Password
You will receive an OTP for verification.
Step 3: Fill Application Form
After login, complete the form carefully:
- Personal details
- Family members
- Monthly income
- Plot details
- Address
Avoid spelling mistakes especially in CNIC and land record details.
Step 4: Upload Documents
Upload clear scanned copies:
- CNIC
- Photo
- Land proof
Make sure file size is not too large.
Step 5: Submit Application
After reviewing everything, press Submit.
Your application enters the verification phase.
You will receive SMS confirmation.
Alternative Registration Methods
If you cannot apply online, the government provided backup options.
Helpline Registration
Call: 0800-09100
The operator will guide or register your details.
Physical Registration Centers
Visit your district facilitation center with documents.
Staff will submit the application for you.
Verification Process After Submission
Many people think approval is instant. Actually the government verifies in multiple steps.
- NADRA CNIC verification
- Land record verification
- Income assessment
- PSER database check
- Field survey (sometimes)
If everything matches, your application moves to approval.
Typical processing time: 3 to 6 weeks.
Loan Disbursement & Installment Plan
Once approved, the bank releases the amount in phases according to construction progress.
| Phase | Payment |
| Foundation completed | First installment |
| Structure completed | Second installment |
| Finishing stage | Final installment |
Repayment Plan
- No installment first 3 months
- Then approx Rs. 14,000 monthly
- Total duration 7 years
- No interest charged
Common Reasons Applications Get Rejected
Most rejections happen due to avoidable mistakes.
Avoid these:
- Plot not in applicant name
- PSER survey incomplete
- Wrong CNIC digits
- Using someone else’s phone number
- High declared income
- Blurry land documents
Always double-check before submitting.
Frequently Asked Questions (FAQs)
Can tenants apply?
No. Only land owners can apply.
Can I apply if land is in father’s name?
No, unless transferred legally to your name.
Is the loan really interest-free?
Yes, government pays the markup.
When will installments start?
After 3 months of receiving the loan.
Can government employees apply?
Only low-income eligible employees can apply.
Final Thoughts
The Maryam Nawaz 15 lakh loan scheme 2026 is one of the biggest housing relief programs in Punjab for families who own small plots but cannot afford construction. The application process is simple if documents are correct and PSER survey is completed beforehand.
Apply carefully, verify your information, and avoid common mistakes to improve approval chances. This program can realistically help thousands of families finally build their own home without bank interest burden.
