Apni Zameen Apna Ghar Initiatives Punjab
Apni Zameen Apna Ghar Initiatives Punjab: The Apni Zameen Apna Ghar Scheme is an important initiative by the Government of Punjab to support homeless and low-income families. Under this scheme, the government provides 3 marla plots free of cost to those who do not own a house, live in rented places, or move from place to place. The program has been launched in 19 districts of Punjab, aiming to help people get their own land where they can build a home and live with dignity.
Along with the free plot, beneficiaries can also get an interest-free loan of up to 15 lakh rupees through the Apni Chhat Apna Ghar program. This loan is provided to help them build their houses easily. If you or any family member is facing housing problems due to low income, you should register for this scheme as soon as possible. First, get the 3 marla plot from the Punjab Government, then apply for the loan, and build your own home to live a peaceful life.
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| Feature | Details |
|---|---|
| Program Name | Apni Zameen Apna Ghar Scheme |
| Initiated By | Punjab Government under CM Maryam Nawaz |
| Purpose | Provide free 3 marla plots and interest-free loans to low-income families |
| Districts Covered | 19 districts in Punjab |
| Total Plots in Phase 1 | Approximately 2,000 plots |
| Eligibility Criteria | Homeless, low-income, no property ownership, Punjab resident |
| Application Mode | Online via azag.punjab.gov.pk |
| Allotment Method | Digital balloting after verification via NADRA and land records |
| Post-Allotment Conditions | Build house within 2 years, no sale/transfer for 5 years, residential use only |
Overview of the Apni Zameen Apna Ghar Scheme
The Apni Zameen Apna Ghar program is a welfare-driven housing project initiated by the Punjab Housing and Town Planning Agency under the guidance of the Housing, Urban Development, and Public Health Engineering Department. The core objective of this initiative is to provide deserving, homeless families with secure land ownership and financial support to build their own homes.
This program is a crucial part of the broader provincial strategy to uplift poor communities by granting them legal property rights, improving their living conditions, and fostering economic empowerment. It embodies Chief Minister Maryam Nawaz’s vision of making homeownership accessible to all citizens, emphasizing that owning a house is a fundamental right rather than a privilege.
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Program Scope and District Coverage
In its initial phase, the Apni Zameen Apna Ghar scheme will distribute approximately 2,000 free residential plots across 19 districts of Punjab, covering both urban and rural areas. The scheme is implemented through 23 housing projects, strategically located to maximize accessibility for eligible families. Key districts in this phase include:
- Jhelum – 730 plots
- Kasur – 388 plots
- Faisalabad – 257 plots
- Lodhran – 218 plots
- Okara – 130 plots
- Layyah – 55 plots
- Bhakkar – 52 plots
- Sahiwal – 33 plots
- Sargodha – 25 plots
- Khushab – 24 plots
- Bahawalnagar – 20 plots
- Mandi Baha-Ud-Din – 17 plots
- Rajanpur – 15 plots
- Attock – 11 plots
- Gujrat – 8 plots
- Bahawalpur – 7 plots
- Vehari – 4 plots
- Jhang – 4 plots
- Chiniot – 2 plots
Additionally, special attention is being given to homeless citizens residing in major cities, ensuring that vulnerable urban populations also benefit from the program.
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Key Benefits of the Program
This initiative offers multiple benefits designed to improve the socioeconomic conditions of disadvantaged families, including:
- provide the 3 marla plot to the low income families
- Interest-free loans to support the construction of homes on allotted plots from acag scheme
- Priority consideration for widows and women-headed households
- Legal ownership rights that bring long-term security and dignity
- Enhanced living standards through access to proper housing
Together, these benefits aim to reduce poverty, empower women, and foster community development.
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Who Is Eligible to Apply?
The program targets families who face the greatest challenges in securing housing. Eligibility criteria focus on the most vulnerable groups, including:
- Applicant should be resident of province of Punjab.
- Homeless families with no land or home ownership
- Families living in rented accommodations or informal settlements
- Widows and women-led households are given more priority
- Low-income families unable to afford property
- No house or plot should be registered against the name of the applicant.
- Applicant must live in the house furthermore, is bound not to sell the house for 05 years.
- Residents of concern district will be given priority.
Applicants must be permanent residents of Punjab and provide valid identification documents. The applicant, their spouse, or dependent children should not currently own any property anywhere in Pakistan. Applicants with criminal records or those who are defaulters on loans with banks or financial institutions are disqualified to maintain fairness.
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Required Documents
To apply successfully, applicants must prepare the following documents in scanned format:
- CNICs of the applicant and a registered mobile number
- Family Registration Certificate from NADRA
- Latest utility bill or rent agreement as proof of residence
- Marriage certificate, if applicable
- Disability certificate for special cases
- Widows must have death certificates of their husband
- Divorced women must have divorce certificate
- Affidavit of landlessness to legally confirm no ownership of property
Submitting accurate and authentic documentation is critical for passing the verification stages.
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Complete Online Application Process Via Official Portal
The entire application process has been digitized for transparency and efficiency. Applicants can register and apply online by following these steps:
- Visit the official e-portal at azag.punjab.gov.pk.
- Enter your CNIC number of 14 digits
- Enter your full name
- Enter your email address
- Select your telecom company from the dropdown
- Enter your mobile number
- Create a password
- Confirm your password
- Enter the CAPTCHA code shown in the image
- Click on the apply button
If not receive a verification E-mail on your E-mail the click on the resend verification E-mail. If you receive a verification E-mail, then click on it for verification.
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Fair Allotment through Digital Balloting
The allotment of plots is carried out using a fully computerized and corruption-free lottery system, ensuring transparency and fairness. Eligible applications are verified through NADRA and provincial land records before the final selection. The computerized balloting considers district quotas and documented eligibility to ensure equal opportunity for all applicants.
Selected families are notified officially and provided with instructions for the next steps. After complete verification, the list of the selected candidates will be shown on the official portal, and you will also receive a message on your registered mobile number.
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Rules and Responsibilities After Allotment
Families who receive free plots under the scheme must adhere to certain conditions to maintain their eligibility:
- Construction on the plot must commence within six months of allotment.
- The house should be completed within two years.
- The plot cannot be sold, transferred, or mortgaged for a period of five years
- The land must be used exclusively for residential purposes.
These measures ensure that the plots serve their intended purpose of providing homes to the needy and not for speculative gain.
Supporting Infrastructure and Financial Aid
The Punjab Government, through this program, also facilitates interest-free loans to beneficiaries under the Apni Chhat Apna Ghar scheme, allowing them to build homes with manageable repayment plans. This financial assistance removes the biggest barrier to home construction for many families.
Loans amounting to billions of rupees are being extended under this scheme, making a significant impact on reducing housing inequality.
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Where to Get Help and Additional Information
Applicants or interested parties can seek assistance through multiple channels. The name of the help assistance are given below
- Official helpline: 0800-09100
- Nearest Punjab Housing and Town Planning Agency office
- Official websites: azag.punjab.gov.pk
- FAQs section on the portal for detailed guidance
The government encourages citizens to use these resources for smooth application and follow-up.
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Conclusion
The Apni Zameen Apna Ghar initiative is a landmark program by the Punjab Government that addresses the urgent need for affordable housing among the province’s most vulnerable populations. By providing free residential plots coupled with interest-free loans, the scheme offers not only shelter but also dignity, security, and the promise of a better future.
If you or someone you know qualifies for this program, it is highly advisable to apply promptly through the official digital platform. This initiative is a vital step toward ending homelessness and uplifting millions, fulfilling a vision of equity and progress under Chief Minister Maryam Nawaz Sharif’s leadership. The future of housing in Punjab is brighter with Apni Zameen Apna Ghar, and turn your dream of homeownership into reality today.
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FAQs
What is the purpose of the Apni Zameen Apna Ghar Scheme?
The scheme provides free 3 marla plots and interest-free loans to help low-income families in Punjab build their own homes.
Who is eligible to apply for this scheme?
Low-income, homeless residents of Punjab with no property ownership, especially widows and women-led households, are eligible.
How many plots will be distributed and in how many districts?
A total of 2,000 plots will be allotted in 19 districts across Punjab in the first phase of the scheme.
How can applicants apply for this housing scheme?
Applicants must register online at azag.punjab.gov.pk by entering their CNIC, personal details, and other required information.
What are the post-allotment responsibilities of plot holders?
Beneficiaries must begin construction within 6 months, complete the house in 2 years, and cannot sell or transfer the plot for 5 years.
Can anyone other apply from the non-selected district?
No, no one can apply for a 3 marla plot from the non-selected district.