Apni Zameen Apna Ghar Scheme 2025 Apply Now for Your Own Home Easily
The Punjab government has introduced the Apni Zameen Apna Ghar Scheme 2025 to support low-income families who dream of owning a home. This scheme provides free 3-marla plots and interest-free loans to help poor citizens build small but safe houses. It is one of the biggest housing initiatives launched in Punjab for the welfare of the common people.
Purpose of the Scheme
The main aim is to reduce homelessness in Punjab and support those who cannot afford high property prices. By offering land without cost and loans with no interest, the government hopes to give families long-term security and dignity.
Key Features
- Free residential plots of 3 marla.
- Loans up to PKR 1.5 million for construction, repayable in easy installments (around PKR 14,000 monthly).
- Lucky draw system for fair distribution.
- A target of 100,000 houses in the next few years.
First Phase (2025)
In the first stage, 1,892 free plots are being offered. These plots are located in 23 housing schemes across 19 districts of Punjab, including Multan, Lahore, Bahawalpur, Faisalabad, Rajanpur, and others.
Eligibility Criteria
To qualify, applicants must:
- Be a resident of Punjab (CNIC address must confirm this).
- Apply only in their own district.
- Have no house or land in their name or family.
- Earn less than PKR 50,000 per month.
- Hold a PMT score of 60 or below in NSER record.
- Be 18 years or older (married candidates are preferred).
- Have no loan default or criminal record.
Application Process
- Online: For plot → azag.punjab.gov.pk, for loan → acag.punjab.gov.pk.
- Offline: Visit the Deputy Commissioner’s office in your district. Special help desks are available.
- Required documents: CNIC, income proof, NSER certificate, and residence details.
Conclusion
The Apni Zameen Apna Ghar Scheme 2025 offers real hope to poor families in Punjab. With free plots and interest-free loans, thousands of people can now move towards owning a house. It is not just a scheme, but a chance for families to build stability and a brighter future.
