Apni Zameen Apna Ghar Scheme 2025 — Your Chance to Own a Home in Punjab

If you’re tired of paying rent every month and dream of owning a home for your family, the Punjab government has launched a new scheme that could change your life. Under the leadership of Chief Minister Maryam Nawaz Sharif, the Apni Zameen Apna Ghar program offers free residential plots to low-income families who don’t own land.

And the best part? The process is online, simple, and transparent.

Also Read : Apni Zameen Apna Ghar Scheme 2025 – How to Apply, Eligibility

📌 Quick Info at a Glance

💡 What is This Scheme All About?

This initiative is designed to help deserving families finally get a place to call home. In Phase 1, nearly 1,900 plots will be given away in 19 districts of Punjab — all through a fair digital lottery system.

This is not just land. It’s a new beginning.

✅ Who Can Apply? (Eligibility)

You can apply if you:

• Live in Punjab (your CNIC must show it).

• Do not own any land in Pakistan (you or your spouse).

• Apply from the same district as your CNIC address.

• Earn less than Rs. 50,000/month as a household.

• Are registered in the NSER with a PMT score below 60.

• Are 18 years or older.

• Have no criminal record or history of loan default.

• Are the head of your family, as per NADRA records.

✔️ Your documents will be verified to ensure fairness.

📍 Where Are Plots Being Given?

In this first round, plots will be given in:

• Jhelum

• Kasur (Pattoki)

• Faisalabad (Mamukanjan)

• Lodhran

• Okara

• Layyah

• Bhakkar

• Sahiwal

• Sargodha

• Khushab

• Bahawalnagar

• Mandi Bahauddin

• Rajanpur

• Attock

• Gujrat

• Bahawalpur

• Vehari

• Jhang

• Chiniot

Both city and village families have a fair shot.

Also Read : Apni Zameen Apna Ghar Online Application Process and Eligibility Criteria

📝 How to Apply – Step-by-Step

1. Go to azag.punjab.gov.pk

2. Sign up with your CNIC and create a password.

3. Fill out the form with your family and income details.

4. Upload the required documents (see below).

5. Review everything and hit Submit.

6. Track your application through your online dashboard.

📄 Documents You’ll Need

Before you apply, scan and get these ready:

• Your CNIC + spouse’s CNIC

• Family Registration Certificate (FRC) from NADRA

• Proof of Punjab residence (like a utility bill or domicile)

• Proof of income (salary slip or affidavit)

• NSER/PMT score certificate

• Rent agreement or recent utility bill

• 6-month bank statement

• Marriage certificate (if married)

• Disability certificate (if applicable)

• Affidavit saying you don’t own land

🎯 How Are Plots Allotted?

It’s all digital — no bribes, no favoritism.

After checking all applications, a computerized lucky draw will pick the winners. If you’re selected, you’ll be informed officially and told the next steps.

Also Read : Apni Zameen Apna Ghar Program 2025 azag.punjab .gov.pk

🏗️ What Happens After You Get a Plot?

If you win a plot, here’s what’s next:

• Start building your home within 6 months.

• Finish construction within 2 years.

• You can’t sell or transfer the plot for 5 years.

• The land must only be used for your own house.

💸 Get an Interest-Free Home Loan Too

Worried about building costs? You can also apply for a loan of up to Rs. 1.5 million, with no interest, through the Apni Chhat Apna Ghar program.

• Pay it back in 7 years

• Monthly installment: Around Rs. 14,000

• 3-month grace period to start repayment

• Apply at: acag.punjab.gov.pk

☎️ Need Help?

• Call the Helpline: 0800-09100

• Visit your local PHATA office

• Check FAQs: azag.punjab.gov.pk

❓ Common Questions

Q: Who can apply?
Anyone from Punjab who meets the eligibility rules above.

Q: Is there a deadline?
Not yet announced — but don’t wait too long.

Q: I live in Punjab but my CNIC says another province. Can I apply?
No. Your CNIC must show a Punjab address from one of the listed districts.

Q: My spouse owns property, can I apply?
No. If your spouse or children own land, you’re not eligible.

🏁 Final Thoughts

This scheme is about more than land — it’s about security, dignity, and stability. If you or someone you care about meets the criteria, don’t miss this chance.

Start your application today: azag.punjab.gov.pk

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