CM Punjab Home Loan Scheme 2025 Another big initiative by the Chief Minister of Punjab for the people of Punjab. Once again, the Chief Minister of Punjab has decided to support the poor people by introducing a new program in the province.Which will prove useful for the people of Punjab.In which loans of up to Rs. 15 lakh will be given to poor families.Which they could use to build their own house and later repay it in installments to the government. This is a major initiative by the government, which will provide financial assistance to the public and support to those who cannot build their own house in this inflationary environment.I will share the details and updates of this program with you in May 2025.
CM Punjab Home Loan Scheme 2025
As this program was created for the welfare of the people, which will support the poor people, the purpose of which is to enable the poor people of Punjab and families who are deprived of a roof over their heads by providing them with loans so that they can live in their own homes. Therefore, it is a big decision by the Chief Minister of Punjab, which will prove useful in the development of Punjab in the coming years.
Benefits of Home Loan Scheme
- Support Low income Familiies
- Quick Access water, sanitation, electricity
- Reduce the Proverity
- Help the Poort Families .
Eligiblity Criteria
Punjab Residency
The applicant or a family member must be a permanent resident of Punjab as stated on their Computerized National Identity Card (CNIC).
Land Ownership
The applicant must be the sole owner and in possession of a land parcel measuring: Up to 5 Marla in urban areas, or Up to 10 Marla in rural areas
within any district of Punjab as of the date of online application submission.
The applicant must intend to construct a house on this land.
No Criminal Record Againt Applicant
The applicant must not have any criminal record, including convictions for: Anti-state activities Anti-social activities Heinous crimes, etc.
No Loan Default History
The applicant must not be a defaulter of any financial institution or bank.
Documents Required
- CNIC ( Front and Back )
- Plot Registry Documents.
- Residence Details
- Phone Number
- Passport Size pics.
How to Apply for Home Loan Scheme
Apply for the interest-free loan through ACAG’s website: www.acag.punjab.gov.pk online portal.
Loan Amount
Program offering a limit of Amount Maximum Loan amount will be 1.5 million.
Duration of Loan
The loan tenure will be 7 years with easy monthly instalments.
Monthly Installment
Program has set monthly fixed Installment .After Handover the Loan the Candidate will pay the Monthly Installment 14000/- According to bank policies.
Conclusion
The CM Punjab Home Loan Scheme 2025 is a landmark initiative aimed at empowering low-income families across Punjab by offering interest-free loans of up to Rs. 15 lakh. With easy eligibility criteria and a 7-year repayment plan, this program enables the underprivileged to build their own homes and improve their living conditions. It reflects the government’s strong commitment to reducing poverty and promoting sustainable development in the province.
General FAQs of Home Loan Scheme ?
Rs. 15 lakh (1.5 million) can be availed by eligible applicants.
Applicants must be permanent residents of Punjab, own land (5 Marla urban or 10 Marla rural), have no criminal record, and no previous loan defaults.
The loan must be repaid within 7 years through easy monthly installments.
Monthly installments are Rs. 14,000 as per bank policy.
You can apply online through the official website: www.acag.punjab.gov.pk
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