Lahore, August 6, 2025 – The Punjab government, led by Chief Minister Maryam Nawaz Sharif, has launched the Apni Zameen Apna Ghar Program 2025, a major step to help poor and homeless families own land. This housing scheme offers free 3-marla plots (675 sq. ft.) to eligible people across 19 districts in its first phase. Managed by the Punjab Housing and Town Planning Agency (PHATA) under the Housing, Urban Development, and Public Health Engineering Department (HUD&PHED), the program aims to provide shelter and dignity to those in need. The official portal, azag.punjab.gov.pk, makes it easy to apply online and track progress. Here’s everything you need to know about this life-changing initiative, including how to apply, who’s eligible, and answers to common questions.
What is the Apni Zameen Apna Ghar Program?
The Apni Zameen Apna Ghar scheme is all about giving free 3-marla plots to low-income families, widows, orphans, disabled people, and laborers who don’t own any property. Launched in early 2025, it’s part of CM Maryam Nawaz’s “Housing for All” vision to reduce homelessness and improve living conditions. In the first phase, 1,892 plots are being distributed across 23 housing schemes in 19 districts, including Lahore, Faisalabad, Jhelum, Attock, and Sargodha. The program uses a transparent computerized balloting system to ensure fairness, and there’s no application fee to keep it accessible for everyone.
The official website, azag.punjab.gov.pk, lets people apply online, check their application status, and view balloting results. If selected, you get a plot and can even apply for an interest-free loan of up to Rs. 1.5 million under the related Apni Chhat Apna Ghar program to build your house. The government says this scheme will create 500,000 jobs in construction and help families move out of rented homes or slums.
How to Apply: Step-by-Step Process
Applying for the Apni Zameen Apna Ghar Program is simple, but you need to follow the steps carefully. Here’s how it works:
- Go to the Official Portal: Visit azag.punjab.gov.pk using your phone or computer. This is the only official site for applications—beware of fake websites or agents asking for money.
- Register an Account: Click “Register” and enter your 13-digit CNIC number (without dashes), mobile number, and a password. You’ll get an SMS with a verification code to activate your account.
- Complete the Application: Log in and fill out the form with your personal details, like name, family info, income, and housing situation (e.g., if you’re renting). Make sure everything is correct.
- Upload Documents: Submit scanned copies of your CNIC, family registration certificate, income proof, and an affidavit saying you don’t own property. Check the full list below.
- Submit and Track: Review your form, submit it, and get a tracking number. You can check your application status on the portal’s dashboard or via SMS updates.
After applying, PHATA verifies your documents. If you’re eligible, your name goes into a computerized ballot for a fair chance at a plot. If selected, you must start building within 6 months and finish within 2 years. You can’t sell the plot for 5 years to ensure it’s used for your family’s home.
Who Can Apply? Eligibility Rules
The program is designed for those who really need help. Here are the eligibility criteria:
- Punjab Resident: You must live in Punjab permanently, with a valid CNIC and domicile from the district you’re applying in.
- No Property Ownership: You, your spouse, or dependent children must not own any land or house in Pakistan. You’ll need an affidavit to confirm this.
- Low Income: Your household income should be less than Rs. 50,000 per month.
- Clean Record: No criminal cases or bank loan defaults. PHATA will check your background.
- One Application: Only one application per family is allowed.
- NSER Bonus: Being registered with the National Socio-Economic Registry (NSER) with a PMT score of 60 or less can help, but it’s not required.
Priority is given to vulnerable groups like widows, orphans, disabled individuals, and laborers. If you don’t meet these rules, your application will be rejected.
Documents Required
You’ll need these documents (scanned, not photocopied) to apply:
- CNIC: Your valid NADRA-issued ID.
- Family Registration Certificate (FRC): From NADRA, showing family details.
- Income Proof: Salary slip, bank statement (last 6 months), or self-employment proof.
- Affidavit: A signed statement that you don’t own any property.
- Utility Bill: Recent electricity, gas, or water bill to confirm your address.
- Rent Agreement: If you’re renting, include this.
- Passport Photos: 2-4 recent photos with a clear background.
- Disability Certificate: If applicable, for disabled applicants.
- Marriage Certificate or Spouse’s CNIC: To verify family details.
Make sure all documents are clear and accurate. False information can lead to disqualification or legal action.
FAQs: Your Questions Answered
Here are answers to common questions about the Apni Zameen Apna Ghar Program:
Q1: Is there a fee to apply?
No, applying is completely free. Don’t pay anyone claiming to help with your application—they’re likely scammers. Report them to the helpline at 0800-09100.
Q2: Can I apply if I’m renting a house?
Yes, if you don’t own any property and meet the eligibility criteria, you can apply.
Q3: What if I don’t have internet access?
Visit your local Deputy Commissioner (DC) office or an e-Khidmat Markaz. They have free help desks to assist with online applications.
Q4: How do I check my application status or balloting results?
Log in to azag.punjab.gov.pk with your CNIC and password. Check the dashboard or wait for SMS updates.
Q5: Can I apply for a plot in another district?
No, you can only apply in your home district, as per your CNIC.
Q6: What happens if I’m selected?
You’ll get a 3-marla plot and can apply for an interest-free Rs. 1.5 million loan through the Apni Chhat Apna Ghar program to build your house. Monthly repayments are about Rs. 14,000 over 7 years.
Q7: What if I’m not selected in the first phase?
Your application stays active for future phases, so you don’t need to reapply.
Q8: Can women apply?
Yes, women, including widows and single mothers, are eligible and even prioritized.
Related Schemes: Apni Chhat Apna Ghar and More
The Apni Chhat Apna Ghar Program complements this scheme by offering interest-free loans of up to Rs. 1.5 million for people who already own land (up to 5 marla in urban areas or 10 marla in rural areas) but can’t afford to build. You apply through acag.punjab.gov.pk, and the loan is repaid in affordable Rs. 14,000 monthly installments over 7 years. As of May 2025, over Rs. 924 million has been recovered from 25,500+ loans, showing strong participation.
Another related initiative is the CM Punjab Green E-Taxi Program 2025, which provides interest-free loans for electric taxis to young people aged 21-55. Apply at greentaxischeme.pk. This program aims to create jobs and promote eco-friendly transport.
Why This Scheme Matters
The Apni Zameen Apna Ghar Program is a big deal for Punjab’s poor. It’s not just about free land—it’s about giving families a chance to live with dignity, escape high rents, and build a stable future. With 300 houses being built daily and 34,000 under construction as of May 2025, the government is moving fast to make this happen. The scheme also boosts the economy by creating jobs in construction and improving access to basic amenities like water and electricity.
For more details or to apply, visit http://azag.punjab.gov.pk or call 0800-09100. Stay updated through the official portal or punjab.gov.pk to avoid missing out on future phases.