Punjab Housing Scheme 2025: “Your Land, Your Home” – A Complete Guide
In 2025, the Punjab government introduced the “Punjab Housing Scheme 2025” (AZAG) plan to supply 3 marla residential plots for free to the poor and homeless people of the region. Seamless allocation of land as well as no-interest loans for building homes will be offered to selected individuals under this system. Punjab Chief Minister Ms. Maryam Nawaz Sharif’s vision of “Home for Everyone” is behind this project. How to Apply for Punjab Housing Scheme 2025 – Step-by-Step Guide
Objective of the Scheme
Objective of the “Apni Zameen Apna Ghar” Scheme:
- To provide free residential plots to the poor and homeless people.
- To provide interest-free loans for house construction.
- To provide economic security and autonomy to the homeless people.
- To promote poverty reduction and economic development in the province.
Scheme Features
Punjab Housing Scheme 2025
- Selected people can receive a 3 Marla (675 sq ft) plot freely.
- A Loan scheme: Qualified plot owners will be able to get an interest-free loan for up to Rs 1.5 million, with monthly payments of Rs 14,000 over seven years.
- Transparent Lottery: A transparent lottery system has been adopted for the distribution of plots.
- Special Preference: Widows, orphans, disabled persons and labourers will be given priority.
- No Application Fee: No application fee will be charged, so that the scheme reaches every deserving person.
Eligibility Criteria
Punjab Housing Scheme 2025
The following conditions are mandatory to apply for this scheme:
- Permanent Resident: The applicant must be a permanent resident of Punjab.
- Plot Ownership: The applicant, his/her wife or dependent children should not own any plot or house anywhere in Pakistan.
- Income Limit: The applicant’s monthly household income should be less than Rs. 50,000.
- NSER Registration: The applicant must be registered with NSER (PMT score ≤ 60).
- Age Limit: The applicant must be 18 years of age or above.
- Legal Record: The applicant should not have any criminal record or record of non-payment of loans.
How to Apply
Punjab Housing Scheme 2025
Online Method:
- Visit azag.punjab.gov.pk.
- Register with CNIC, Phone Number and Email.
- Complete the application form and upload the required documents.
- Submit the application and wait for the SMS or email for confirmation.
Offline Method:
Punjab Housing Scheme 2025
- Visit the Deputy Commissioner Office of your district.
- Obtain and complete the application form at the scheme desk.
- Submit the form along with the necessary documents.
- Contact the concerned authorities for verification.
Required Documents
Punjab Housing Scheme 2025
A scanned copy of the following documents must be submitted with the application:
- CNIC: National Identity Card of the applicant and spouse.
- Residence Proof: Utility Bill or Domicile.
- NSER Certificate: PMT Score ≤ 60.
- Income Proof: Employment Certificate or Proof of Self-Employment.
- NADRA Family Registration Certificate: Details of all family members.
Plot Allocation Process
Punjab Housing Scheme 2025
- Lottery: A transparent lottery system has been adopted for allotment of plots.
- District-wise: Applications will be accepted only for schemes located in the respective district.
- Checking and Verification: Applications will be verified by NSER and NADRA.
- Declaration of Results: Selected candidates will be informed through SMS or email.
Loan for house construction
Punjab Housing Scheme 2025
- Loan amount: Up to Rs. 1.5 million.
- Installment amount: Rs. 14,000 per month.
- Tenure: Seven years.
- Interest: Interest-free.
- Repayment start: Three months after loan disbursal.
- Payment method: Monthly installment payment through bank.
Important Terms and Conditions
- Start of Construction: Construction must start within six months of allotment of the plot.
- Completion of Construction: Construction of the house must be completed within two years of allotment of the plot.
- Transfer of Plot: The plot cannot be sold or rented out for five years.
- Inspection: The relevant authorities may inspect the construction of the plot.
Complaints and Assistance
- Helpline: 0800-09100
- Official Website: azag.punjab.gov.pk
- Complaint Registration: complaints.punjab.gov.pk
Conclusion
Apni Zameen Apna Ghar is one of the major Punjab government projects designed to give homeless and poor people houses in the province. In addition to the land, people are also getting financial help for building their homes. If the scheme is available to you, apply straight away and make your dreams come true.
