Apni Zameen Apna Ghar Program in Punjab Latest Details How to Apply update 2025
Apni Zameen Apna Ghar Program in Punjab
A Punjab government initiative, under CM Maryam Nawaz, to provide free 3‑Marlas residential plots to homeless / landless low‑income people in Punjab and to facilitate construction via interest‑free or subsidised loans.
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Key Features & What’s New (2025)
| Feature | Details |
|---|---|
| Plot size & cost | 3 marla plots; free of cost for eligible applicants. |
| Loan availability | Plot holders can get construction loans. In “Apni Chhat, Apna Ghar” nearly Rs 36 billion is being allocated for ~33,500 people. Loans repayable over multiple years. |
| Phase‑1 districts & numbers | Phase 1 covers 19 districts and 23 housing schemes. About 2,000 free plots in phase‑1 are being allotted. |
| Daily construction goal | Approximately 300 houses are being built every day for homeless people under related schemes. |
| E‑portal launched | The online portal “AZAG” — azag.punjab.gov.pk — is active for applications and status checks. |
Eligibility Criteria for Apni Zameen Apna Ghar Program in Punjab
To apply, you must meet all / most of:
- Be a permanent resident of Punjab with valid CNIC.
- Apply in your own district only.
- Not own any plot or house anywhere in Pakistan (you, spouse, or dependents) under your name.
- Have a clean criminal record and no defaults with banks / financial institutions.
- Provide correct & verifiable information/documents. False info may disqualify.
How to Apply Apni Zameen, Apna Ghar Program in Punjab Important Notes
- Apply online at the AZAG portal: azag.punjab.gov.pk.
- Upload required documents: CNIC, photos, income proof etc.
- Check your status via the portal with CNIC or application number. SMS alerts sometimes used.
- Plots distributed by draw (ballot) to ensure fairness.
- No cost / fee for application; plots are free for eligible applicants.
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Districts in Phase‑1
Here are some of the districts and number of plots in Phase‑1: Jhelum, Kasur, Faisalabad, Lodhran, Okara, Layyah, Bhakkar, Sahiwal, Sargodha, Khushab, Bahawalnagar, Mandi Bahauddin, Rajanpur, Attock, Gujrat, Bahawalpur, Vehari, Jhang, Chiniot.
Final Words
The Apni Zameen Apna Ghar Program in Punjab is a bold step toward eliminating homelessness and uplifting the living standards of low-income communities. With legal land ownership, access to loans, and government support, thousands of families now have a real chance to build a secure, dignified future.
If you meet the criteria—apply today and claim your right to a home.
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Frequently Asked Questions (FAQs)
Is there any fee to apply for the program?
No, applying is 100% free of cost.
Can I apply if I live in a rented house?
Yes, if you do not own any home or plot, you are eligible.
What happens after applying?
Your documents will be verified, and if eligible, you’ll be included in the balloting process.
Can women apply separately?
Yes, especially if they are heads of the household or widows. Women-headed families are prioritized.
What is the loan amount for construction?
It varies based on location and construction stage, but loans are interest-free or subsidized under special house
