Introduction – Step by Step Guide Apply Online for Apni Zameen Apna Ghar Scheme

Chief Minister Punjab Maryam Nawaz Sharif ne gareeb aur beghar logon ke liye ek zabardast initiative launch kiya hai jiska naam hai Apni Zameen Apna Ghar Scheme 2025. Is scheme ka main maqsad hai Punjab ke low-income families ko muft 3 marla residential plots provide karna taake wo apna ghar bana saken.

Yeh program “Housing for All” vision ka hissa hai jahan Punjab ke mukhtalif districts mein free plots distribute kiye ja rahe hain. Is program ko Punjab Housing & Town Planning Agency (PHATA) implement kar rahi hai aur iska administrative control HUD&PHED department ke pass hai.

Complete Details of Apni Zameen Apna Ghar Program 2025

Punjab government ne Phase 1 mein 2000 plots distribute karne ka plan banaya hai. Har applicant ko sirf tabhi plot milega agar wo eligibility criteria puri karta ho.

Key Program Features

• Plot Size: 3 Marla
• Cost: Bilkul free (government funded)
• Districts Covered: 19
• Total Schemes: 23 housing schemes
• Total Plots Phase 1: 2000
• Target Audience: Wo log jo Pakistan mein kahin bhi ghar ya plot ke malik nahi hain

Subsidized Housing Loans in Pakistan under the Scheme

Sirf plot hi nahi, balkay Punjab government ne interest free loan (0 markup) aur easy installment plan bhi announce kiya hai. Is se applicant plot pe ghar ki construction ke liye financing hasil kar sakta hai.

• Loan Type: 0 interest loan
• Payment: Easy installments without markup
• Subsidy: Construction loan available for plot holders

Eligibility Criteria – Step by Step Guide Apply Online for Apni Zameen Apna Ghar Scheme

Applicant ko scheme me apply karne ke liye kuch basic conditions puri karni hongi.

Eligibility Conditions

• 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, unka spouse ya bachay Pakistan mein kahin bhi ghar ya plot ke malik nahi hone chahiye
• Applicant ka criminal record clean hona chahiye
• Applicant kisi bank ka defaulter nahi hona chahiye
• Galat information dene par application reject ho jaegi

✅ Agar aap upar di gayi shartain puri karte hain to aap scheme ke liye apply kar sakte hain.

Plot Allotment Terms & Conditions (TORs)

Government ne kuch strict TORs rakhe hain jinka follow karna har applicant ke liye compulsory hai.

Allotment Rules

1. Plot milne ke 6 mah ke andar construction start karni hogi
2. Ghar ki construction 2 saal ke andar complete karni hogi
3. Plot ko 5 saal tak becha, lease ya transfer nahi kiya ja sakta
4. Rules ki khilaf warzi par allotment cancel ho sakta hai
5. Plot sirf residential use ke liye hoga – commercial activity mana hai
6. Galat info ya non-compliance par PHATA plot wapas le sakta hai
7. PHATA kisi bhi waqt inspection kar sakta hai
8. Har dispute Grievance Redressal Committee (GRC) ke paas jaega

Step by Step Guide Apply Online for Apni Zameen Apna Ghar Scheme Portal

Step 1: Visit Official Website

👉 Open karein: https://azag.punjab.gov.pk
👉 New account banayein – CNIC, full name, email, phone number aur password enter karein.

Step 2: Verify Email & Login

• Verification email open karke confirmation link pe click karein
• Email aur password se login karein

Step 3: Bayan Halfi Fill Karein

Aapko kuch sawalat ka sahi jawab dena hoga:

• Kya aap Punjab resident hain?
• Apne current district me apply kar rahe hain?
• Kya aap ya family ke pass property hai?
• Kya aap bank defaulter hain?
• Kya aapka koi criminal record hai?

Step 4: Submit Personal Information

• Apna district select karein
• Personal details aur zaroori documents upload karein
• Review karne ke baad submit karein
• Application ka status portal pe hi check karein

Documents Required for Online Application

Application submit karne ke liye yeh documents zaroori hain:

• CNIC copy
• Income certificate / salary slip
• Affidavit (Bayan Halfi) jisme mention ho ke applicant ke naam koi property nahi hai
• Passport size photograph
• Contact number & email address

District-Wise Distribution of Plots (Phase 1 Quota)

👉 Total plots in Phase 1: 2000

Benefits of Apni Zameen Apna Ghar Program 2025

Social Benefits

• Beghar logon ko apna ghar milta hai
• Low-income families ko social security milti hai
• Families ko ek permanent address aur dignity milti hai

Financial Benefits

• Long-term property value increase hoti hai
• Ghar ek asset & inheritance ban jata hai
• Easy installment aur interest-free loan facility available hai

Readmore: Punjab ki sarkar ne gareeb aur beghar logon ke liye ek bohot hi aham qadam uthaya hai jiska naam hai Apni Zameen Apna Ghar Program 2025. Is scheme ka maqsad hai ke Punjab ke un logon ko 3 marla ki zameen bilkul free di jaye jo abhi tak apne ghar ya plot ke malik nahi hain. Ye program Chief Minister Punjab Maryam Nawaz Sharif ki Housing for All vision ka hissa hai aur isay Punjab Housing & Town Planning Agency (PHATA) execute kar rahi hai jabke HUD&PHED iska administrative department hai.

Contact Information & Official Resources

• 📞 Phone: 042-99213419, 042-99213428
• 📧 Email: info@phata.punjab.gov.pk
• 🌐 Official Portal: https://azag.punjab.gov.pk
• 📝 Complaints Portal: https://complaints.punjab.gov.pk

Final Words – Step by Step Guide Apply Online for Apni Zameen Apna Ghar Scheme

Apni Zameen Apna Ghar Scheme ek historic initiative hai jo Punjab ke gareeb tabqay ke liye apna ghar ka khwab poora karne ka moka deta hai. Agar aap eligible hain to foran portal pe jaake apply karein aur is behtareen scheme ka hissa banein.

FAQs – Step by Step Guide Apply Online for Apni Zameen Apna Ghar Scheme

Readmore: How to Link CNIC with Punjab Ration Card Scheme – Complete Guide