Punjab Apni Zameen Apna Ghar Scheme Eligibility Criteria and Loan Details (2025)
The Apni Zameen Apna Ghar Scheme by the Punjab Government is a life changing housing program designed for low income families. It offers 3 Marla plots and interest free home loans to help people build their own homes. If you are struggling to afford a house in Punjab, this initiative could be your golden opportunity.
What is the Apni Zameen Apna Ghar Program?
Apni Zameen Apna Ghar (AZAG) is a housing scheme initiated by the Punjab Housing and Town Planning Agency (PHATA). It assists poor and landless families by offering:
- Free 3-marla residential plots
- Interest-free home construction loans worth up to Rs. 1.5 million
- Encouraging terms to render housing affordable and accessible
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Eligibility Criteria for Apni Zameen Apna Ghar Scheme
To be eligible for Apni Zameen Apna Ghar Scheme, you should fulfill the following requirements:
Documents Required to Apply Apni Zameen Apna Ghar
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)
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How to Apply Apni Zameen Apna Ghar Online?
In case of no internet availability, you may apply in manual mode from the nearest office of Deputy Commissioner.
Interest-Free Loan Details for Home Building
If you receive a plot under this plan, you may also apply for an interest-free building loan through the Apni Chhat Apna Ghar scheme.
Most Important Loan Details:
- Loan Amount: Up to Rs. 1,500,000
- Monthly Installment: Rs. 14,000
- Tenure: 7 years
- Grace Period: 3 months (before repaying)
- Loan Disbursement: Released in installments as the building goes under construction
- Apply for the loan here: https://azagpunjabgov.com.pk/
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Terms and Conditions of the Scheme
To ensure the plots are utilized appropriately, the government has established certain rules:
- You have to begin construction within 6 months of plot allocation.
- You have to finish building the house within 2 years.
- You cannot transfer or sell the plot for 5 years.
- Plots are for residential purposes only, not commercial.
Violating any of these conditions can lead to cancellation of the plot.
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Need Help?
In case of need during the application, you can:
- Call the helpline: 0800-09100
- Contact your nearby Deputy Commissioner’s office
- For updates at: https://azagpunjabgov.com.pk/
Conclusion
The CM Punjab Apni Zameen Apna Ghar Scheme 2025 is a historic move by the government of Punjab to raise low-income families and homeless individuals. With the provision of 3 marla free plots scheme and interest-free building loans up to Rs. 15 lakh, the Maryam Nawaz Apni Zameen Apna Ghar Scheme 2025 aims to make the dream of homeownership a reality for thousands. With clear eligibility conditions, a transparent lottery system, and earnest government assistance, Apni Zameen Apna Ghar Scheme is a ray of hope for the meritorious. Eligible candidates are urged strongly to apply through the official website and ensure a brighter future for themselves and their loved ones.
