Government Housing Scheme in Pakistan 2025
Apply for Interest-Free Home Loan in Punjab
Chief Minister Punjab Maryam Nawaz Sharif ne ek zabardast qadam uthaya hai jiska naam hai Apni Zameen Apna Ghar Program.. Is scheme ka maqsad hai Punjab ke gareeb aur beghar logon ko muft 3 marla zameen dena taake wo apna ghar bana saken.. Yeh program “Housing for All” vision ka hissa hai..
Program ko Punjab Housing & Town Planning Agency (PHATA) execute kar raha hai aur HUD&PHED is ka administrative department hai..
Table of Contents
📢 Ahem Ittila – AZAG Program
Scrutiny Committee ke liye Zaroori Documents ki Darkhwast
Tamam applicants jinhu ne apni applications 16.07.2025 ki closing date tak submit ki thin, unko hidayat di jati hai ke woh neeche diye gaye documents 30 din ke andar apne District Deputy Commissioner Office ya PHATA Field Office me jama karwain:
- CNIC (Applicant aur agar shadi shuda hain to spouse ka bhi)
- Domicile Certificate
- Rs. 200 ke e-stamp paper par Halafnama (Affidavit)
- Financial Integrity ka Saboot
- Property Ownership ka Saboot
- Maloomat ki Sahi Honay ki Tasdeeq
- Police Character Certificate (Mutaliqa Thana ya E-Khidmat Markaz se)
- Scrutiny Committee ki taraf se agar koi mazeed documents maange jaen
📍 Note: Yeh requirement sirf 19 zilon (districts) ke liye hai. Tafseelat ke liye list dekhein.
📌 Agar documents waqt par submit nahi kiye gaye to aapki eligibility mutasir ho sakti hai.
Download PDF ya InPage Version ke liye website visit karein.
Program Details Apni Zameen Apna Ghar
- Plot Size: 3 Marla
- Cost: Bilkul free
- Total Plots (Phase 1): 2000
- Districts Covered: 19
- Schemes: 23 housing schemes
- Target: Gareeb log jo Pakistan mein kisi bhi jagah ghar ya plot ke malik nahi hain
- Government-funded 3 Marla Plots
Subsidized Housing Loans Pakistan
Construction Loan for Plot Holders
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Eligibility Criteria Low interest home loan eligibility Pakistan 2025 “Apni Zameen Apna Ghar”
- Applicant ka Punjab ka permanent resident hona zaroori hai (CNIC ke mutabiq)
- Application sirf apne district ki scheme ke liye submit ki ja sakti hai
- Applicant, un ka spouse ya bachay Pakistan mein kahin bhi ghar ya plot ke malik nahi hone chahiye
- Applicant ka criminal record clean ho
- Applicant kisi bank ka defaulter nahi hona chahiye
- Galat information dene par application reject ho jaegi
Plot Allotment Ke TORs (Terms of Reference) Apni Zameen Apna Ghar
- Plot milne ke 6 mah ke andar construction start karni hogi
- Ghar ki construction 2 saal ke andar complete karni hogi
- Plot ko 5 saal tak becha, lease ya transfer nahi kiya ja sakta
- Rules ki khilaf warzi par allotment cancel ho sakta hai
- Plot sirf residential use ke liye hoga – commercial activity mana hai
- Galat info ya non-compliance par PHATA plot wapas le sakta hai
- PHATA kisi bhi waqt inspection kar sakta hai
- Har dispute GRC committee (Grievance Redressal Committee) ke paas jaega
How to Apply – Apni Zameen Apna Ghar Portal
- Visit karein: https://azag.punjab.gov.pk
- New account banayein ya login karein
- Application form fill karein – CNIC, income, aur zaroori documents upload karein
- Sab kuch review karne ke baad submit karein
- Application ka status portal pe hi check kar sakte hain
- Koi problem ho to help section ya support team se raabta karein
Step: 1
- Visit the Official Website:
Go to 👉 https://azag.punjab.gov.pk - Create an Account:
- Enter your CNIC, full name, email, phone number, and password.
- Click “Register as shown in the image below.
Step: 2
- Verify Email:
- Open the verification email and click the confirmation link.
- Log in to the Portal:
- Use your email and password to log in as shown in the image below.
Step: 3 ( Bayan Halfi )
- Answer the Questions Honestly, as shown in this image below:
- Are you a Punjab resident?
- Applying in your current district?
- Do you or your family own land or/home?
- Are you a defaulter or blacklisted by any bank?
- Any criminal record?
Step: 4 ( fill personal information and submit )
District-Wise 3 Marla Plots (Phase 1 Quota) Apni Zameen Apna Ghar
| District | Scheme Name(s) | No. of Plots |
| Jhelum | ADS-IV & ADS-I | 727 + 3 |
| Kasur | ADS Pattoki | 388 |
| Faisalabad | ADS Mamukanjan | 257 |
| Lodhran | ADS Lodhran | 218 |
| Okara | Renal Khurd II & Okara | 128 + 2 |
| Layyah | Extension Housing Scheme | 55 |
| Bhakkar | 2 Housing Schemes | 36 + 16 |
| Sahiwal | 3 Marla Housing Scheme | 33 |
| Sargodha | Sillan Wali | 25 |
| Khushab | Jauharabad | 24 |
| Bahawalnagar | ADS Bahawalnagar | 20 |
| M. B. Din | ADS-Mandi Baha-Ud-Din | 17 |
| Rajanpur | ADS Rajanpur | 15 |
| Attock | ADS Hazro | 11 |
| Gujrat | 3 Marla Housing Scheme | 8 |
| Bahawalpur | ADS-I (2 Schemes) | 6 + 1 |
| Vehari | 3 Marla Scheme | 4 |
| Jhang | ADS Jhang | 4 |
| Chiniot | ADS Chiniot | 2 |
Total Plots in Phase 1: 2000
Region & District Wise Distribution of Plots
| Region | Districts Covered | Number of Plots | Schemes |
|---|---|---|---|
| Rawalpindi Division | 4 districts | 658 | 5 |
| Faisalabad Division | 5 districts | 288 | 4 |
| Lahore Region | 3 districts | 518 | 5 |
| Bakhar Region | – | 131 | 7 |
| Multan Region | 5 districts | 270 | 9 |
| Bahawalpur Division | – | 27 | 3 |
Note: Phase 2 is expected to expand to more districts after the success of Phase 1.
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Program Benifits – Apni Zameen Apna Ghar
Apni Zameen Apna Ghar Program 2025 ka sab se bara faida un logon ko hoga:.
- Jo log beghar hain ya kiraye ke gharon mein rehte hain
- Low-income families jo apna ghar afford nahi kar sakti
- Single mothers, widows ya wo log jin ke paas apni jayeedad nahi hai
- Punjab ke wo shehri jinhon ne kabhi bhi Pakistan ke kisi bhi hissay mein ghar ya plot nahi liya
- Aise log jo naye shuruat ka sapna dekhte hain lekin un ke paas zameen ya investment nahi hai
Yeh program sirf plot ka malik banane ka moka nahi deta — balkay yeh:
- Social security deta hai
- Ghar ka permanent address deta hai
- Long-term me ghar ki value barhne ka moka deta hai
- Families ko dignity aur ownership ka ehsas dilata hai
- Future me children ke liye inheritance ka zariya ban sakta hai
Final Words
Apni Zameen Apna Ghar Program ek aisa historic qadam hai jo Punjab ke gareeb tabqay ke liye apna ghar ka khwab poora karega.. Agar aap eligible hain to foran portal pe jaake apply karein, taake aap bhi is behtareen moqa se faida utha saken..
Contact Information – Apni Zameen Apna Ghar
- Phone: 042-99213419, 042-99213428
- Email: info@phata.punjab.gov.pk
- Website: Apply for Government Housing Finance in Punjab
🔗 Official Resources & Helplines
| Resource / Service | Details / Links |
|---|---|
| 🔗 Application Portal | azag.punjab.gov.pk |
| 🔗 Punjab Government | punjab.gov.pk |
| 🔗 PSER Registration | pser.punjab.gov.pk |
| 📞 Helplines | 042-99213419, 0800-09100, 0800-26477 (NSER Support) |
| 📂 Complaints Portal | complaints.punjab.gov.pk |
Focus Keywords
- CM Punjab Free Plot Scheme 2025
- Punjab 3 Marla Plot Scheme
- Free Residential Plots in Punjab
- Apni Zameen Apna Ghar Apply Online
- Maryam Nawaz Housing Scheme 2025
- PHATA Plot Scheme Punjab
- Punjab Government Housing Scheme
- How to apply for Apni Zameen Apna Ghar
- Punjab Free Land for Poor Scheme
- Low-income housing program Punjab
Important Housing Finance FAQs – Apni Zameen Apna Ghar Program
Apni Zameen Apna Ghar Program kya hai?
Yeh ek government scheme hai jisme Punjab ke gareeb logon ko 3 marla residential plots muft diye ja rahe hain..
Plot muft milta hai ya paise dene padte hain?
Bilkul muft milta hai agar aap eligible hain..
Kon kon apply kar sakta hai?
Sirf Punjab ka permanent resident jo Pakistan mein kahin bhi plot ya ghar ka malik nahi hai..
Kya tenant (kiraye dar) bhi apply kar sakta hai?
Ji haan, agar wo criteria puray karta hai aur us ke naam koi property nahi hai..
Plot kis size ka hota hai?
Plot 3 marla residential hota hai..
Kitne logon ko plots mil rahe hain?
Phase 1 mein total 2000 plots diye ja rahe hain across 19 districts..
Kya har district mein scheme available hai?
Sirf un 19 districts mein jahan schemes run ho rahi hain – full list upar article mein di gayi hai.
Application kaise submit karni hai?
Online portal pe jaake form fill karke documents upload karne hote hain..
Portal ka link kya hai?
Visit karein: https://azag.punjab.gov.pk
Kis kis tarah ke documents chahiye hote hain?
CNIC, income details, aur jayeedad na hone ka declaration.
Plot milne ke baad kya karna hoga?
6 mah ke andar construction start karni hoti hai, 2 saal mein complete karni zaroori hai.
Plot ko becha ja sakta hai?
Nahi! 5 saal tak bechna, lease ya transfer karna mana hai.
Agar main rules follow na karun to kya hoga?
PHATA allotment cancel kar dega aur bina notice ke plot wapas le sakta hai.
Kya PHATA inspection karega?
Haan, kisi bhi waqt construction inspect ki ja sakti hai.
Commercial kaam kar sakte hain is plot pe?
Nahi! Yeh sirf residential use ke liye hai. Commercial activity mana hai.
Agar kisi ne jhoot bola ho application mein?
To allotment cancel hoga aur plot wapas le liya jaega.
Ghar na banane par kya hoga?
Agar 2 saal mein construction complete na hui to allotment cancel ho sakta hai.
Kya PHATA kisi help ya complaint ka system rakhta hai?
Ji haan, Grievance Redressal Committee (GRC) har complaint handle karti hai.
Contact number kya hai is scheme ka?
Aap call kar sakte hain: 042-99213419, 042-99213428
Email ya aur contact info?
Email karein: info@phata.punjab.gov.pk
Can I apply for a low interest home loan in Pakistan under this scheme?
Yes, this is a fully interest-free home loan scheme for eligible low-income applicants.
Is installment plan available?
Absolutely, easy monthly installment without any markup is provided
- Comparison between Govt scheme Apni Zameen Apna Ghar vs Private Housing Projects
- Step by Step Guide Apply Online for Apni Zameen Apna Ghar Scheme
- Apni Zameen Apna Ghar Scheme Eligibility Criteria 2025 – Complete Guide Pakistan
- Required Documents for Apni Zameen Apna Ghar Registration – Complete Guide Pakistan 2025
- Maryam Nawaz Housing Scheme Apni Zameen Apna Ghar Ka Future
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apply karen bhai
Cm punjab apni zameen apna ghr. Hamary pa’s koi ghr nai hai hum 35 saal se rent py rhaty hai na hamary pas ghar hai or na koi bike ap se gurarish hai k humhy 3 marly ka polat deya jy
Cm punjab mhotaram mera name Muhammad zahid hai wald Muhammad shareef meri teen betiyan hai or mere koi beta nhi hai modd bana guzarish hai k is number py check kary k koi ghar koi car ya bike nahi hai tu ap humhy 3 marly ka plot deya jy kue k hum 35 saal se rent pr hai hum ny bohat sari application py apply keya hai humhy kabhi kesi may shamil nhi kya gaya 🥺🥹😭🙏
Cm punjab mhotaram mera name Muhammad zahid hai wald Muhammad shareef mera I’d card number 35202 50303399 meri teen betiyan hai or mere koi beta nhi hai modd bana guzarish hai k is number py check kary k koi ghar koi car ya bike nahi hai tu ap humhy 3 marly ka plot deya jy kue k hum 35 saal se rent pr hai hum ny bohat sari application py apply keya hai humhy kabhi kesi may shamil nhi kya gaya 🥺🥹😭🙏
Allah Ap k lie asani paida kary ameen