The Government of Punjab, under the leadership of Chief Minister Maryam Nawaz, has launched a new hope for low-income families through the Apni Zameen Apna Ghar Scheme 2025. This revolutionary housing project is designed to provide shelter and stability to those who are landless and homeless. With the distribution of free 3-marla plots and interest-free home loans, the scheme is making it easier for deserving families to build their own homes and secure a better future.
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What’s Offered in the Apni Zameen Apna Ghar Scheme?
The most attractive feature of this scheme is the free 3-marla plot, which equals about 675 square feet. This plot is given to those who have no property of their own. In addition to this, the government is offering interest-free loans of up to PKR 1.5 million for house construction. The loan is repayable in small monthly installments of PKR 14,000 over seven years, including a three-month grace period. This financial support will help poor families build decent houses without worrying about high interest rates.
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Apni Zameen Apna Ghar Scheme Important Updates as of May 2025
The scheme is expanding fast. More than 1,800 plots have already been allotted, and around 3,000 houses are under construction in each district. The program now also supports middle-income families, making it more inclusive. The application system now requires both NSER and PSER registration, and a government committee is managing a fair and transparent draw system to select beneficiaries.
Who Is the Apni Zameen Apna Ghar Scheme For?
The scheme is mainly for underprivileged groups such as widows, orphans, disabled persons, and laborers. However, it has now been extended to middle-income families as well, giving more people a chance to benefit. To qualify, applicants must:
- Be a resident of Punjab with a valid CNIC.
- Have a monthly household income below PKR 50,000.
- Not own any land or house.
- Be registered with NSER and have a PMT score of 60 or less.
- Be 18 years or older (preference is given to married applicants).
- Have no criminal background or record of loan default.
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Application Process for the Apni Zameen Apna Ghar Scheme
Applying for this scheme is simple and can be done in two ways:
1. Online Application:
Visit the official website acag.punjab.gov.pk and fill out the online form using your CNIC and upload all the required documents.
2. Offline Application:
You can also apply by visiting your District Deputy Commissioner’s Office. There is a special help desk for this scheme where you can submit your application.
It is important to remember that there is no application fee. If anyone asks you for money, report them immediately through the Punjab Government’s complaint system or call the helpline 0800-09100.
Construction Loan Process
After your plot is approved, the next step is applying for the construction loan. First, you must confirm ownership of the plot. Then submit your documents online or through the DC office. Once verified, your loan will be given to you in phases. The loan must be repaid over seven years with a grace period of three months.
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Positive Impact on Society
This housing scheme is not just about giving people land. It is also creating job opportunities in the construction sector and boosting the local economy. With more construction work happening, daily wage workers and small businesses are also benefiting.
Final Thoughts
The Apni Zameen Apna Ghar Scheme 2025 is a huge step toward reducing poverty and homelessness in Punjab. With free plots, interest-free loans, and a transparent selection process, this initiative is bringing real change. If you meet the criteria, don’t miss this opportunity to build your own home. Apply today and take the first step toward a secure and dignified life.
For more information or to submit complaints, visit complaints.punjab.gov.pk or call 0800-09100.
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