Apni Zameen Apna Ghar Loan
The Punjab government has taken a revolutionary step in 2025 with the aim of providing a home to the poor and homeless families. Under “Apni Zamin Apna Ghar Scheme 2025”, deserving people are being given free 3 marla residential plots in 19 districts of Punjab. The scheme is part of the “Mera Pakistan Mera Ghar” programme, which provides low-interest loans with the support of the State Bank of Pakistan so that people can build their own houses.
This initiative will not only provide a roof to the homeless but will also give them economic independence. This scheme is a ray of hope especially for women, widows, and low income families. If you also want to fulfill your dream of owning a house, don’t miss this opportunity.
📋 Brief details of the scheme
| Description | information |
| Scheme Name | Apni Zameen Apna Ghar Loan Scheme 2025 |
| Plot size | 3 Marla (Approximately 675 Sq.ft.) |
| price | Free for eligible persons |
| Number of Districts | 23 locations in 19 districts |
| Online Application Link | azag.punjab.gov.pk |
❓ What is Apna Zemin Apna Ghar Scheme and how does it work?
“Apni Zameen Apna Ghar Scheme” is a welfare scheme of Punjab Government which aims to provide free housing plots to homeless and low income families. In the first phase of this scheme, 1,892 plots will be distributed. After getting a plot, deserving people can construct their own house by availing low interest loan under “Mera Pakistan Mera Ghar” programme.
💸 Loan types and monthly installments under Apna Zemin Apna Ghar Scheme
Under the “Mera Pakistan Mera Ghar” scheme, loans are provided in different tiers:
- Tier 1 (NAPHDA Project):
- House Price: Maximum Rs 35 Lakhs
- Loan Limit: Rs.27 Lakhs
- Interest: 2% for first 5 years, 4% for next 5 years, then KIBOR + 2.5%
- Example: A loan of Rs 20 lakh for 20 years, monthly installments around Rs 10,500 to 14,000
- Tier 0 (Microfinance Loan):
- For low-income earners
- Interest: 5% for first 5 years, 7% for next 5 years, then KIBOR + 7%
- Example: A loan of Rs 10 lakh, monthly installment around Rs 7,000
- Tier 2 (Commercial Bank):
- House Price: Up to Rs.60 Lakhs
- Interest: 5% for first 5 years, 7% for next 5 years, then KIBOR + 4%
- Example: A loan of Rs 30 lakh, monthly installment around Rs 16,000
- Tier 3 (Commercial Bank):
- House Price: Over Rs 60 Lakhs
- Interest: 7% for first 5 years, 9% for next 5 years, then KIBOR + 4%
- Example: A loan of Rs 50 lakh, monthly installment around Rs 25,000
✅ What are the eligibility criteria for Apni Zameen Apna Ghar Loan Scheme?
To avail this scheme the following conditions must be fulfilled:
- Being a permanent resident of Punjab (address to be mentioned on the identity card)
- The applicant, his spouse or dependent children should not own any property in Pakistan
- Monthly income is Rs 50,000 or less
- At least 18 years old
- PSER survey completed
- Should not be in default of any bank or financial institution
- Do not be involved in any criminal case.
Read More:Apni Chhat Apna Ghar Program New Registration 2025
🏘️ Plots under Apna Zemin Apna Ghar scheme are being given in which districts?
The first phase of this scheme covers the following 19 districts:
- Attock
- Bahawalnagar
- Bahawalpur
- Beggar
- Chinyut
- Faisalabad
- Gujarat
- Jhang
- Jhelum
- guilt
- Khushab
- Leah
- Lodhran
- Mandi Bahauddin
- Okara
- Rajanpur
- Sahiwal
- Sargodha
- Wahari
📝 How to Apply Online in Apni Zameen Apna Ghar Loan Scheme?
Follow the steps below to apply online:
- azag.punjab.gov.pk Go to
- Create your account by clicking on “Register”.
- Login with username and password
- Complete the application form and upload the required documents
- Submit the form and note the tracking ID
- Check your application status anytime by logging in
📜 What are the terms and conditions of Apna Zemin Apna Ghar scheme?
- Construction must be started within 6 months of getting the plot
- The construction of the house must be completed within 2 years
- The plot cannot be sold or rented for 5 years
- The plot can be used for residential purposes only
- Violation of rules may result in cancellation of allotment,
Read More: AZAG Scheme Reapplication Process 2025
🔚 Conclusion:
“Apni Zameen Apna Ghar Scheme 2025” is a rare opportunity for the poor and deserving families of Punjab. With the facility of free plots and low interest loans, now everyone can fulfill their dream of building their own home. If you meet these conditions, apply online right away and start your home building journey.
For more information and application: azag.punjab.gov.pk