In 2025, the Government of Punjab, under the leadership of Chief Minister Maryam Nawaz Sharif, has significantly expanded its efforts to provide affordable housing solutions for the underprivileged through two key programs: Apni Chhat Apna Ghar (My Roof, My Home) and Apni Zameen Apna Ghar (My Land, My Home). These schemes are designed to offer financial support, interest-free loans, and even free residential plots to individuals and families who otherwise cannot afford their own homes.
Apni Chhat Apna Ghar – Building Dreams with Bricks
The Apni Chhat Apna Ghar program focuses on empowering those who already own a small plot of land but lack the resources to build a house. As of mid-2025, the government has made remarkable progress:
- Over 28,000 families have been granted interest-free loans totaling PKR 30 billion.
- More than 23,500 homes are currently in the final stages of construction.
- Loan amounts go up to PKR 1.5 million per family.
- The loan repayment is structured over 9 years with monthly installments as low as PKR 14,000.
- The disbursement of loans is done in phases to ensure a smooth construction process.
This initiative particularly targets urban and rural landowners with plots ranging from 1 to 5 marlas in cities and 1 to 10 marlas in villages. The phased funding ensures construction milestones are met before the next installment is released, thus preventing misuse of funds and ensuring home completion.
Apni Zameen Apna Ghar – Turning Landless Citizens into Homeowners
The Apni Zameen Apna Ghar scheme is designed for individuals and families who do not own any property. It offers free 3-marla residential plots to eligible applicants, along with the option of receiving interest-free loans for construction.
In 2025, the government has launched the first phase of this initiative in five key locations:
- Jhelum
- Pattoki
- Mamu Kanjan
- Lodhran
- Renala Khurd
A total of 2,000 plots are being distributed in this phase, and further expansion is expected in the coming months. Alongside the land, successful applicants may also receive construction support through the same loan system used in the Apni Chhat Apna Ghar program.
Eligibility Criteria for Both Schemes
To ensure that the benefits reach the truly deserving, both programs have a set of clearly defined eligibility requirements:
- The applicant must be a permanent resident of Punjab.
- The applicant or their immediate family must not own any house or land.
- Monthly income should not exceed PKR 30,000.
- Priority is given to widows, orphans, divorced or disabled women, and long-term renters.
- A valid Computerized National Identity Card (CNIC) is mandatory.
These criteria are set to filter out ineligible candidates and ensure the support goes directly to the most vulnerable communities.
How to Apply
The Punjab government has streamlined the application process through both online and offline channels:
- Visit the official government portal: https://azag.punjab.gov.pk
- Fill out the digital application form with accurate personal and financial details.
- Attach the required documents, including:
- Copy of CNIC
- Proof of income
- Proof of residence or tenancy
- Alternatively, applicants can also submit their forms at local Union Councils, Tehsil offices, or Housing Department offices.
- All applications are verified, and successful candidates are selected through a transparent computerized draw system.
- Selected applicants are notified via SMS or phone call.
A Step Toward Housing Security
The vision behind both schemes is rooted in the fundamental belief that every citizen deserves a roof over their head. With rising inflation and limited access to affordable housing, these initiatives represent a significant intervention in reshaping urban and rural living standards across Punjab.
By promoting homeownership through interest-free loans and free plots, the government is not only addressing housing shortages but also stimulating economic activity in the construction sector. Thousands of new jobs are being created, while simultaneously improving living conditions for Pakistan’s low-income communities.
Final Thoughts
The Apni Chhat Apna Ghar and Apni Zameen Apna Gharprograms are timely and impactful responses to the chronic issue of homelessness and housing insecurity. Through financial empowerment and inclusive policies, the Government of Punjab is giving thousands of families a chance to own a home and build a secure future. For those who meet the criteria, this is a golden opportunity to turn their dream of owning a home into a reality.
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