The Punjab Government has taken a major step in solving the housing problem for poor and middle-income families. Under the “Apni Zameen Apna Ghar Scheme 2025”, the government will provide free 3 Marla plots to deserving people across 19 districts of Punjab. This initiative is part of the larger “Mera Pakistan Mera Ghar” (MPMG) program, which is supported by the State Bank of Pakistan and offers easy loan options to help people build their own homes. Let’s understand the full details of the loan, installment plans, and how to apply online.
Table of Contents
What is the Apni Zameen Apna Ghar Scheme?
This program is specially designed for people who do not own any house or plot. In 2025, the Punjab Government launched the scheme in 23 different locations across 19 districts, offering 1,892 plots in the first phase. These plots are given free of cost to poor families who fulfill the criteria. Once the plot is allotted, applicants can apply for a low-interest home construction loan under the MPMG housing loan tiers.
Read More: Laptop and Scholarship Distribution Completed in Layyah
Apni Zameen Apna Ghar Loan Monthly Installments Details
The MPMG scheme divides housing loans into different tiers, depending on the type of house and loan size. Here is a breakdown of each tier:
Tier 1 (NAPHDA Loan):
- For houses costing up to PKR 3.5 million
- Maximum loan: PKR 2.7 million
- Interest:
- 2% for the first 5 years
- 4% for the next 5 years
- 5% for the following 5 years
- After 15 years: KIBOR + 2.5%
- Monthly Installments (Example):
- For PKR 2 million over 20 years: Starting from PKR 10,500 to 14,000
Tier 0 (Microfinance Loan):
- For very low-income groups via microfinance banks
- Interest:
- 5% for 5 years
- 7% for next 5 years
- Then KIBOR + 7%
- Smaller loan amounts like PKR 1 million may have installments around PKR 7,000
Tier 2 (Commercial Bank):
- For houses up to PKR 6 million
- Interest:
- 5% for 5 years
- 7% for next 5 years
- Then KIBOR + 4%
- Monthly installment for PKR 3 million may start at PKR 16,000
Tier 3 (Commercial Bank):
- For houses above PKR 6 million
- Interest:
- 7% for 5 years
- 9% for next 5 years
- Then KIBOR + 4%
- Larger loan sizes have higher installments accordingly
Eligibility Criteria for the AZAG Scheme
To apply for the Apni Zameen Apna Ghar Scheme, you must:
- Be a permanent resident of Punjab
- Have a valid CNIC with Punjab address
- Not own any land, plot, or house
- Monthly income should be Rs. 50,000 or less
- Be 18 years or older
- Have a completed PSER survey
- Never received any government plot before
- Not involved in any criminal case or bank default
Read More: BISP 8171 New Eligibility Criteria
AZAG Program Districts Included in the First Phase (2025)
Here is the list of 19 districts where plots will be distributed:
Attock, Bahawalnagar, Bahawalpur, Bhakkar, Chiniot, Faisalabad, Gujrat, Jhang, Jhelum, Kasur, Khushab, Layyah, Lodhran, Mandi Bahauddin, Okara, Rajanpur, Sahiwal, Sargodha, Vehari.
How to Apply Online AZAG Program?
You can apply easily by following these steps:
- Visit the official website: https://azag.punjab.gov.pk
- Click on “Register” and create your account
- Login using your username and password
- Fill out the application form with your details
- Upload required documents like CNIC, income proof, etc.
- Submit the form and note your tracking ID
You can log in again any time to check your application status.
Read More: Laptop & Solar Panels on Interest-Free Monthly Installments
AZAG Program Terms & Conditions
- Construction must begin within 6 months of getting the plot.
- House must be completed within 2 years.
- You cannot sell or lease the plot for 5 years.
- Plot must be used for residential purposes only.
- Violation of rules may lead to cancellation of the allotment.
Final Words
The Apni Zameen Apna Ghar Scheme 2025 is a golden opportunity for the poor and deserving families of Punjab to finally own a house. With free plots and low-interest housing loans, it becomes much easier to build your own home. If you are eligible, don’t miss this chance. Apply online today and start your journey toward homeownership.
Stay connected with us for more updates about the Punjab housing schemes and loan programs.
Read More: PM Youth Laptop Scheme 2025