Apni Zameen Apna Ghar scheme 2025
The Apni Zameen Apna Ghar scheme by the Punjab Government is a life-changing housing program designed for low-income families. It offers free 3-Marla plots and interest-free home loans to help people build their own homes. If you’re struggling to afford a house in Punjab, this initiative could be your golden opportunity.
In this article, you’ll learn:
- Who is eligible for the Apni Zameen Apna Ghar scheme
- What documents do you need
- How to apply
- Loan details and repayment terms
- Conditions for keeping the plot
Let’s break it down in simple terms.
✅ What is Apni Zameen Apna Ghar Scheme?
Apni Zameen Apna Ghar (AZAG) is a housing scheme launched by the Punjab Housing and Town Planning Agency (PHATA). It helps poor and landless families by providing:
- Free 3-marla residential plots
- Interest-free loans up to Rs. 1.5 million for home construction
- Supportive terms to make housing affordable and accessible
This scheme mainly focuses on the underprivileged, widows, orphans, differently-abled individuals, and low-wage labourers across Punjab.
🧾 Eligibility Criteria for Apni Zameen Apna Ghar Scheme
To apply for this scheme, you must meet the following conditions:
- 📍 Must be a permanent resident of Punjab (as shown on CNIC)
- 🏡 Do not already own any land or house in Pakistan (including your spouse or children)
- 🧍♂️ Apply only in your home district
- 🔍 Clean criminal record (no FIRS)
- 📉 Must be registered in the NSER database with a Poverty Score (PMT) of 60 or below
- 💸 Total monthly household income should be under Rs. 50,000
- 🏛️ No prior allotment of government housing
- ✅ Not a bank defaulter
Special priority is given to:
- Widows
- Orphans
- Disabled persons
- Daily wage earners
📄 Documents Required to Apply
When applying, make sure you have the following:
- Your CNIC (and spouse’s CNIC if married)
- Family Registration Certificate (FRC) from NADRA
- Proof of income or income affidavit
- Proof of Punjab residency (utility bill, domicile, etc.)
- NSER/PMT certificate (from BISP or Ehsaas database)
Upload clear scans or images of these documents when filling out the online form.
🖥️ How to Apply for Apni Zameen Apna Ghar Online
Here’s how you can apply:
- Go to the official website: https://azag.punjab.gov.pk
- Click on “My Application” and register with your CNIC
- Fill out the online application form
- Upload the required documents
- Submit the form and save your application number
If you don’t have internet access, you can visit your nearest Deputy Commissioner’s office to apply manually.
💰 Interest-Free Loan Details for Home Construction
If you get a plot under this scheme, you can also apply for an interest-free construction loan through the Apni Chhat Apna Ghar program.
📌 Key Loan Features:
- Loan Amount: Up to Rs. 1,500,000
- Monthly Installment: Rs. 14,000
- Tenure: 7 years
- Grace Period: 3 months (before you start repayments)
- Loan Disbursement: Released in phases as construction progresses
You can apply for the loan here: https://azagpunjabgov.com.pk/
📌 Terms and Conditions for the Scheme
To make sure the plots are used properly, the government has set some rules:
- 🛠️ Construction must start within 6 months of plot allotment
- 🏗️ The house must be completed within 2 years
- 🚫 You cannot sell or transfer the plot for 5 years
- 💼 Plots are only for residential use, not commercial
Breaking any of these rules may result in the cancellation of the plot.
📞 Need Help?
If you need help during the application process, you can:
- Call the helpline: 0800-09100
- Visit your local Deputy Commissioner’s office
- Check updates at: https://azagpunjabgov.com.pk/
✨ Final Thoughts
The Punjab Apni Zameen Apna Ghar scheme is a powerful opportunity for low-income families to finally own a home. With free land, interest-free loans, and simple application steps, this initiative is designed to create a better, more stable future for thousands of people across Punjab.
If you meet the eligibility criteria, don’t wait—apply today and take your first step toward building your own house.