The Maryam Nawaz Housing Scheme, also called the “Apni Chhat Apna Ghar Scheme,” is a special project by the Punjab government to help low-income families build their own homes. Chief Minister Maryam Nawaz started this scheme to support those who do not have a house. Families who are eligible can get a loan of Rs 15 lakh to build a home on their own land. The loan is interest free and easy to repay. In this article, we will explain everything in simple words so everyone can understand how to apply for this scheme in 2025.
| Point | Details |
| Loan Amount | Rs. 15 lakh, interest-free |
| Eligibility | Punjab resident, own 5/10 marla plot, valid CNIC, no existing house |
| Monthly Payment | Rs. 14,000 for 7 years (first 3 months no payment) |
| Application Method | Online registration with CNIC, income proof, and land ownership documents |
Contents
- 1 How to Apply for CM Punjab Maryam Nawaz Housing Scheme 2025
- 2 Eligibility Criteria for Apni Chhat Apna Ghar Scheme
- 3 Documents Needed for Apni Ghar Scheme Registration
- 4 Details About the Rs. 15 Lakh Loan and Payment Plan
- 5 What is the PSER Survey and Why It Is Required
- 6 Main Benefits of the Maryam Nawaz Apna Ghar Scheme
- 7 Conclusion
- 8 FAQs
How to Apply for CM Punjab Maryam Nawaz Housing Scheme 2025
To apply for the Maryam Nawaz Housing Scheme online, you need to visit the official website. First, make sure you have better internet service. Then, open the site and create a new account using your CNIC, phone number, and email address. After logging in, you must fill in your personal details, upload your documents, and submit the form. You will receive a confirmation SMS after registration is successful. It is important to check information before submitting your form.
Also Read: BISP 8171 April 13500 Installment 2025 – Full Payment Collection Process
Eligibility Criteria for Apni Chhat Apna Ghar Scheme
To get the loan, you must meet simple conditions. First, you should live in Punjab and must not already own a house. You must be the head of the family and have a valid CNIC. Also, you must own a plot of land—either 5 marlas in a city or 10 marlas in a village. You should not have a criminal background. If you meet all these points, you can apply for the scheme and wait for the survey team to visit your land.
Documents Needed for Apni Ghar Scheme Registration
- CNIC Copy: Upload clear pictures of both sides of valid National Identity Card.
- Proof of Income: Provide documents like salary slips or recent bank statements.
- Property Document: Show proof of land ownership in an urban (5 marla) or rural (10 marla) area.
Details About the Rs. 15 Lakh Loan and Payment Plan
This housing loan is interest-free and easy to pay back. You will get a total of Rs. 15 lakh from the Punjab government. The repayment plan is simple. You have to pay Rs. 14,000 every month for seven years. The best part is that you don’t need to pay anything for the first three months. This gives you time to start building your house without stress. If anyone asks you to pay tax or interest, report them because the scheme is 100% interest-free.
What is the PSER Survey and Why It Is Required
To qualify for this scheme, you must complete the Punjab Socio-Economic Registry (PSER) survey. This survey is important because it helps the government check your financial condition. The old NSER survey is now outdated, so the new PSER will be used to decide if you can get the loan. Without this survey, your application will not be accepted. The survey is done to make sure only deserving families receive the benefits of this housing program.
Main Benefits of the Maryam Nawaz Apna Ghar Scheme
The Maryam Nawaz Apna Ghar Scheme has many good points for low-income families:
- Interest-free loan of Rs. 15 lakh
- First three months are free of payments
- Monthly payment is only Rs. 14,000
- You can build your own home on your land
This scheme is a big step towards helping poor families live with dignity and improve their lives. The houses will be made with good quality materials and located near city areas, so families can easily access schools, hospitals, and markets.
Also Read: BISP 8171 Eligibility Check 2025 Through Web Portal
Conclusion
In this article, we are sharing all the details about how to apply for the Maryam Nawaz Housing Scheme online in 2025. The scheme gives you a chance to build your own house through a loan of Rs. 15 lakh without any interest. Just make sure you meet the eligibility conditions, complete the PSER survey, and apply on the official website before the deadline. This is a golden chance for many families across Punjab to finally have home of their own.
FAQs
Can I apply for the Apna Ghar scheme if I live in a rented house?
Yes, but you must also own a 5 or 10 marla plot in Punjab to be eligible for the loan.
What happens after my land is verified by PHATA?
After verification, loan will be approved, and the first installment will be sent to your given bank account.
Do I need a bank account to receive the loan amount?
Yes, a valid bank account in your name is necessary to receive the loan.
What if I entered wrong information during registration?
If you submitted incorrect details, you should contact the scheme’s support team immediately to correct the error.