How to Apply for Punjab’s Apni Zameen Apna Ghar

By Newztodays Team

Islamabad: Chief Minister Maryam Nawaz Sharif has recently launched Apni Zameen Apna Ghar to provide free residential plots to Punjab’s poorest families. This is a key step towards the goal of “Housing for All.”

1,892 Free Plots in First Phase

In the first phase, the Punjab government has decided to launch 23 housing projects in 19 districts to distribute 1,892 free 3-marla plots (approx. 675 sq. ft.).

List of Districts for Housing Scheme

Here is a detailed list of districts where people can apply for free residential plots.

Attock, Bahawalnagar, Bahawalpur, Bhakkar, Chiniot, Faisalabad, Gujrat, Jhang, Jhelum, Kasur, Khushab, Layyah, Lodhran, Mandi Bahauddin, Okara, Rajanpur, Sahiwal, Sargodha, and Vehari.

Punjab government also targets a broader plan for the construction of 100,000 houses in four and a half years for which would be given to low- and middle-income families.

Managed by PHATA

The scheme is being implemented by the Punjab Housing and Town Planning Agency (PHATA) is going to implement this scheme under the Housing and Urban Development Department.

Who Can Apply?

To qualify, applicants must have the required documents:

The candidate should be a permanent resident of Punjab (verified by CNIC).
Apply only in their native district.
Own no property (self, spouse, or dependents).
Have a clean criminal and financial record.
Be registered with NSER and have a PMT score of 60 or below.
Have a monthly household income below Rs. 50,000.
Be 18 years or older (priority for married applicants).
Be the head of a nuclear family (verified by NADRA).

The Punjab government will give special preference to widows, orphans, disabled persons, and laborers.

How to Apply

If you want to get a free residential plot, here is a complete guide.

Applications will be required to submit documents:

Online at: azag.punjab.gov.pk
Documents can be submitted offline via help desks at local Deputy Commissioner offices

Required documents:

CNIC (self and spouse)
Domicile or utility bill
NADRA family registration
Proof of income or affidavit
PMT score details from NSER

Allotment Terms

Successful applicants must be required:

Under the terms and conditions, successful candidates would have to start construction within six months and complete it within two years.
There will be no sale, transfer, or lease of the plot for five years.
The plot will be only for residential purposes.
Construction will have complied with PHATA’s building bylaws.
The candidate will face cancellation for non-compliance or false information.

Interest-Free Loan Scheme

Beneficiaries of the Punjab housing scheme will also be eligible for the Apni Chhat Apna Ghar scheme. The government will offer interest-free loans of up to Rs. 1.5 million for construction purposes. The repayable will be over 7 years in Rs. 14,000 monthly installments after a 3-month grace period.

What the Scheme Offers

Decent housing for the homeless
Reduction in urban slums
Better access to utilities
Stronger community safety
Up to 500,000 new jobs through construction
Empowerment, dignity, and security for the poor

Transparency and Support

There is no fee required at any stage.
District-level committees will hold transparent balloting.
The candidate can file complaints and fraud reports at: complaints.punjab.gov.pk
Helpline: 0800-09100

The Apni Zameen Apna Ghar initiative has reflected a strong political commitment to tackle homelessness in Punjab. By offering land and zero-interest loans, the government of Punjab is going to provide thousands of families a real chance at a better life—a home, a future, and dignity.