Apni Zameen Apna Ghar Registration
Apni Zameen Apna Ghar Registration Punjab Chief Minister Maryam Nawaz Sharif has taken a major step toward eliminating homelessness and poverty by launching the Apni Zameen Apna Ghar scheme in early 2025. This initiative aims to provide free 3-marla residential plots (675 sq. ft.) to poor and deserving families across Punjab. It is part of the government’s broader vision of ensuring safe and dignified housing for all.
The scheme not only offers land ownership but also includes an interest-free loan facility under the associated program “Apni Chhat Apna Ghar,” enabling allottees to construct their homes. This integrated approach is designed to empower low-income families, uplift living standards, and promote economic inclusion through a transparent and people-first housing model.
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First Phase Rollout 1892 Free Plots in 19 Districts
The government has already begun work on the scheme, with 1,892 plots being allotted in 23 housing schemes across 19 districts in Punjab. These districts include:
- Attock
- Bahawalnagar
- Bahawalpur
- Bhakkar
- Chiniot
- Faisalabad
- Gujrat
- Jhang
- Jhelum
- Kasur
- Khushab
- Layyah
- Lodhran
- Mandi Bahauddin
- Okara
- Rajanpur
- Sahiwal
- Sargodha
- Vehari
The initiative is implemented by the Punjab Housing and Town Planning Agency (PHATA) under the administrative control of the Housing, Urban Development & Public Health Engineering Department (HUD&PHED). The first phase is just the beginning the Punjab government has committed to building 100,000 houses in 4.5 years, eventually covering all districts.
You Can Also Read: Apni Zameen Apna Ghar Online Application Process
Objectives and Vision Behind the Scheme
The main aim of “Apni Zameen Apna Ghar” is to provide secure land ownership to families who cannot afford to buy property or build homes. This is the first time a provincial government in Pakistan has attempted such a large-scale, fully subsidized housing scheme with zero application fees and built-in loan facilities for home construction.
This program doesn’t just address shelter; it also focuses on social justice by prioritizing the most marginalized groups in society. Women-headed households, orphans, persons with disabilities, and daily wage laborers are among those who will be given first priority.
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Features of Apni Zameen Apna Ghar Scheme
The scheme offers a wide range of benefits tailored to low-income families:
- Free 3-marla (675 sq. ft.) residential plots with full ownership rights
- Interest-free construction loan of up to Rs. 1.5 million for house building
- Loan repayment over seven years in easy installments of Rs. 14,000 per month
- Zero application fee to ensure access for the most vulnerable
- Transparent plot allotment through a computerized balloting system
- District-level committees comprising public officials and civil society for oversight
- Special priority for widows, orphans, disabled persons, and laborers
This structure ensures that only the neediest applicants benefit while maintaining fairness and transparency throughout the process.
Eligibility Criteria for Free Plot Allocation
To ensure that only deserving individuals benefit from the scheme, the government has set clear and strict eligibility criteria. These include both social and economic conditions:
- Must be a permanent resident of Punjab (as per CNIC)
- Application allowed only within home district
- Applicant, spouse, or children must not own any property in Pakistan
- Must be registered with NSER and have a PMT score of 60 or below
- Monthly family income should be below Rs. 50,000
- Must be 18 years or older, with preference given to married applicants
- Must have no criminal background or loan defaults
- Must be recognized as head of nuclear family (verified by NADRA)
These conditions ensure that only the most economically vulnerable families are granted land ownership.
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How to Apply Registration Process Explained
The Punjab government has made the application process straightforward and accessible. Both online and offline options are available to ensure that even applicants without internet can register.
Online Application (azag.punjab.gov.pk)
Applicants can visit the official website to fill out the form and upload required documents.
- CNIC of applicant and spouse
- Domicile or utility bill as proof of Punjab residency
- Family Registration Certificate from NADRA
- Income certificate or affidavit (for informal sector workers)
- NSER PMT score proof
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Offline Application DC Office
For applicants without access to the internet, the nearest Deputy Commissioner (DC) office offers dedicated help desks. These desks:
- Assist with document submission
- Provide technical support
- Help verify applicant information
- Ensure fair and free registration for everyone
Apni Chhat Apna Ghar Construction Loan Facility
After successfully obtaining a plot through the scheme, applicants can apply for a construction loan of Rs. 1.5 million, repayable in 84 monthly installments of Rs. 14,000.
- Confirm plot allotment and eligibility
- Visit acag.punjab.gov.pk or DC office
- Submit loan application and documents
- Get documents verified by relevant departments
- Loan amount disbursed in phased installments
- Three-month grace period before EMI begins
By May 2025, the government reported over Rs. 924 million recovered from 25,500 loans — highlighting strong repayment discipline among beneficiaries.
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Transparency and Complaint Mechanism
To maintain complete transparency, the scheme is monitored by district-level committees comprising civil society members and public officials. The Punjab Socio-Economic Registry (PSER) is used to verify applicants, and everyone is encouraged to complete their survey at pser.punjab.gov.pk.
Warning: No one is allowed to charge money at any stage. If someone demands payment or misleads applicants, it should be reported immediately via:
- Helpline: 0800-09100
- Complaints Portal: complaints.punjab.gov.pk
Social and Economic Impact of the Scheme
This initiative is expected to significantly reduce poverty and improve housing security. It will also enhance access to basic services like water, sanitation, and electricity. By enabling low-income families to own land and build homes, the government is strengthening social equity and public trust.
In addition, the scheme will generate an estimated 500,000 jobs in the construction and allied sectors, contributing to Punjab’s economic growth and reducing unemployment.
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Final Thoughts
The Apni Zameen Apna Ghar scheme is more than a housing initiative it’s a movement toward dignified living, equal opportunity, and inclusive development. With its transparent registration, free plots, and interest-free construction loans, the Punjab government is paving the way for a better and fairer future for thousands of families.
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