The Government of Pakistan has launched the much-awaited Apni Zameen Apna Ghar Scheme 2025, aimed at providing low-income families with access to affordable land and housing across the country. Under this scheme, eligible citizens can apply online to receive plots or constructed homes at subsidized rates. This initiative is part of the government’s broader vision to tackle housing shortages and empower deserving families with secure home ownership. In this article, we’ll guide you step-by-step on how to apply online for Apni Zameen Apna Ghar Scheme 2025, eligibility criteria, required documents, and other important details.
Latest Update – May 2025
The Punjab Social Empowerment Registry (pser) and CM Maryam Nawaz have launched the Apni Zameen Apna Ghar Scheme 2025 to provide interest-free housing loans and subsidized homes to low-income families across Punjab. Applications are now open via azag.punjab.gov.pk.
What Is Apni Zameen Apna Ghar? 🏠
This program offers:
- Interest-free loans for constructing houses on your own land
- Subsidized 3 and 5 marla houses and flats
- Transparent digital application system powered by PSer
Top Features of the Scheme ✨
- Loan Limit: PKR 1.5 million
- Monthly Installment: PKR 14,000 (over 9 years)
- No interest or markup
- Ready-made homes & flats with government subsidy up to PKR 1 million
READ MORE: PSER Himmat Card 2025 – Online Registration Guide
Eligibility Criteria ✅
- Punjab domicile and valid CNIC
- Own land (for loan applicants)
- Low or lower-middle-income family
- Priority for women, widows, disabled, minorities
- Must be listed in the PSer Registry
How to Apply Online 💻
- Visit https://azag.punjab.gov.pk
- Click “Register” and create an account
- Fill in your details and choose your housing option
- Upload required documents (CNIC, land papers, income proof)
- Submit and wait for confirmation
Districts Included 📍
Contact & Support ☎️
Official Website: azag.punjab.gov.pk
Toll-Free Helpline: 0800-09100
Email: info@azag.punjab.gov.pk
Frequently Asked Questions (FAQs) ❓
1. What is the Apni Zameen Apna Ghar scheme by CM Maryam Nawaz?
It is a housing scheme offering interest-free loans and ready-made houses to eligible low-income families across Punjab.
2. Who can apply for this housing program?
Punjab residents with low income, valid CNIC, and in some cases, land ownership can apply. Priority is given to PSer-verified individuals.
3. How do I apply for Apni Zameen Apna Ghar?
Visit azag.punjab.gov.pk, register, complete the application, and submit the required documents.
4. Is land required to apply?
Land is only required if you are applying for the interest-free loan to build your own house. You can still apply for ready-made homes without owning land.
5. What is the loan amount and repayment plan?
The government provides PKR 1.5 million loan, repayable in PKR 14,000 monthly installments over 9 years – completely interest-free.
6. Is this scheme available across all Punjab?
Yes, it is rolling out district-wise starting with major cities. Eventually, it will cover all districts.
7. What is PSER and how is it linked?
PSer (Punjab Social economic Registry) is used to verify eligibility and prioritize applicants based on income and social status.
Final Words 🏡
The Apni Zameen Apna Ghar Scheme 2025 by CM Punjab Maryam Nawaz and PSER is a historic step toward housing security for all. Apply now and build your dream home without financial burden.
