The Apni Zameen Apna Ghar Program 2025 is a new housing project started by Punjab’s Chief Minister, Maryam Nawaz Sharif. The goal of this scheme is to help poor and homeless people get a small plot of land for free. These plots are 3 marlas in size, and families can also get an interest-free loan to build their houses. The scheme gives special priority to widows, disabled persons, orphans, and families with very low income. The whole process is done in a fair and clear way. People can apply online or by visiting local offices.
| Main Benefit | Details |
|---|---|
| Plot Size | 3 Marla (675 square feet) |
| Interest-Free Loan | Up to PKR 1.5 million |
| Priority Applicants | Widows, orphans, disabled |
| Official Website | azag.punjab.gov.pk |
What Is Apni Zameen Apna Ghar Program 2025?
The Apni Zameen Apna Ghar Program 2025 is a government project to give land to poor people who have no home or property. This scheme started in 22 districts of Punjab where almost 1,892 plots will be given for free in the first stage. After getting the plot, the family can also apply for a construction loan. This loan helps them build their own home in an easy way. Everything is done through an online portal and balloting system. The program aims to bring a big change in the lives of poor people.
Eligibility for Apni Zameen Apna Ghar Program 2025
To apply for this scheme, you must live in Punjab and be at least 18 years old. You should not already own a house or plot. Your family income should be less than PKR 50,000 per month. Also, you must be registered in the NSER (National Socio-Economic Registry) with a PMT score of 60 or below. The government also checks if you have any criminal history or unpaid bank loans. Preference is given to people who are widows, orphans, disabled, or working as laborers.
How to Apply Online for Apni Zameen Apna Ghar Program 2025
You can easily apply for this program through the official website: https://azag.punjab.gov.pk. If you don’t have internet access, you can also apply by visiting your district’s Deputy Commissioner office. You will need to submit the following documents:
◆ CNIC (your own and your spouse’s)
◆ Proof of income (affidavit if you’re a laborer)
◆ Domicile or a utility bill for Punjab address
◆ NADRA family certificate
◆ NSER registration proof
Once your documents are submitted, they will be checked, and if you are eligible, you will be added to the ballot list.
Benefits of Apni Zameen Apna Ghar Program 2025
This program gives many useful benefits. The biggest benefit is that poor families can finally get a piece of land for free. After that, they can also take a construction loan of PKR 1.5 million without paying any interest. The loan can be paid back in easy monthly installments of PKR 14,000 over 7 years.◆ The loan is released in parts, depending on how much construction has been completed.◆ Another major benefit is that families no longer need to pay rent and can live in their own homes with dignity.
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Construction Loan for Apni Zameen Apna Ghar Program 2025
Once your name is selected in the scheme and you receive your plot, you can apply for the house construction loan. You will need your CNIC, income proof, plot papers, and NSER certificate. The loan is interest-free and will be given in stages depending on the progress of your house construction. This ensures that the money is used only for building your home. You can apply for the loan either on the same website or by visiting the DC office. Monthly payments are easy and spread over seven years with a 3-month grace period.
Latest News About Apni Zameen Apna Ghar Program 2025
In May 2025, the Punjab government decided to include middle-income families in this scheme. Now, 3,000 houses will be built in each district to help even more people. If you want to apply now, you must also complete the Punjab Socio-Economic Registry (PSER) at https://pser.punjab.gov.pk. An 8-member committee will look after the fairness of the process. So far, the government has recovered over PKR 924 million from earlier housing loans. This shows that the scheme is working well and that people trust the process.
Conclusion
In this article, we are sharing all the details about the Apni Zameen Apna Ghar Program 2025. From the eligibility rules to the online application method and construction loan process, everything is explained in simple words. This scheme is a great chance for low-income families in Punjab to finally have their own homes. Remember, there is no need to pay anyone for the form. Everything is handled by the government through a fair and clear system. Keep visiting the official website for updates and new announcements.
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FAQs – Apni Zameen Apna Ghar Program 2025
Q1: Can I apply if I live in a rented house in Punjab?
Yes, as long as you meet all the eligibility criteria and don’t own any property, you can apply.
Q2: Do I need to pay anything during the application process?
No, the government does not charge any fee for applying to this scheme.
Q3: Is it possible to transfer the plot to someone else?
No, the plot is given for personal use only and cannot be sold or transferred immediately.
Q4: What happens if my NSER registration is not updated?
You need to complete your NSER or PSER update first, or your application will not be accepted.