In 2025, the Government of Punjab introduced two major housing initiatives aimed at solving the long-standing housing crisis for low-income families. These initiatives, Apni Zameen Apna Ghar (AZAG) and Apni Chhat Apna Ghar (ACAG), are part of a broader vision to provide secure and dignified living conditions to the underprivileged population of the province. With rising land prices and a shortage of affordable housing, these schemes have been designed to help those who either do not own a home or lack the resources to build one.
1. Apni Zameen Apna Ghar (AZAG) Scheme
The Apni Zameen Apna Ghar scheme is specifically tailored for landless citizens in Punjab. Under this initiative, the government is offering free three-marla residential plots to eligible families.
Eligibility Criteria:
- The applicant must be a permanent resident of Punjab.
- Monthly household income must not exceed PKR 50,000.
- The applicant must not own any property in Pakistan.
- Must be registered in the National Socio-Economic Registry (NSER) with a Poverty Means Test (PMT) score of 60 or below.
- The minimum age requirement is 18 years or above.
- The applicant must not be a defaulter of any bank or have a criminal record.
How to Apply:
Eligible individuals can apply in two ways:
- Online: Visit the official portal azag.punjab.gov.pk.
- Offline: Visit the Deputy Commissioner’s office of your district, where a dedicated desk is set up for assistance.
Upon submission, the application undergoes a verification process, after which successful applicants receive free land on a priority basis.
2. Apni Chhat Apna Ghar (ACAG) Scheme
This project is mainly for people who own land but can’t afford to build a house on it. Through this scheme, the government is helping people build their own homes by giving them interest-free loans of up to PKR 1.5 million.
Key Features of the ACAG Scheme: Mortgage loans with no interest for building a house, up to a maximum of PKR 1.5 million.
- The loan repayment period is up to 7 years.
- The monthly installment is estimated at PKR 14,000, making it manageable for low-income families.
- We will disburse the loan amount in phases as the construction progresses.
Eligibility Requirements:
- The applicant must be a permanent resident of Punjab.
- The applicant must own a residential plot of
- Monthly income must not exceed PKR 60,000.
- The applicant should not be a loan defaulter or have a criminal history.
Application Process:
- Visit acag.punjab.gov.pk for online registration.
- Submit personal and plot ownership details along with the required documents.
- The authorities will review the application, and upon approval, they will issue the loan in installments.
Objectives of These Housing Schemes
Their main goals are the same for both ACAG and AZAG:
- Provide secure housing for the underprivileged.
- Reduce urban slums and promote planned housing.
- Encourage families with low incomes to build homes that are safe and clean.
- Encourage financial inclusion by providing access to interest-free credit.
These initiatives also support economic development by stimulating the local construction industry, creating jobs, and boosting small-scale markets associated with housing.
Support and Helpline
For any assistance related to the application process or eligibility concerns, the government has launched a toll-free helpline:
📞 0800-09100
You can also register complaints or track your application through the Punjab Government’s Complaint Portal:
🌐 complaints.punjab.gov.pk
Conclusion
The “Apni Chhat Apna Ghar” and “Apni Zameen Apna Ghar” schemes represent a bold move by the Punjab government to address the housing crisis from both ends—landless citizens and those unable to build due to financial constraints. These schemes ensure that even the poorest citizens can dream of a home, not just in imagination but in reality.
By offering free land and interest-free construction loans, the government is laying the foundation for a more inclusive, equitable society. For those struggling to secure shelter, these schemes offer a real chance to build a better, more stable future.
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