Apni Zameen Apna Ghar Loan Monthly Installments
Millions of people in Pakistan are still yearning to make their dream of a private roof a reality. Expensive land, construction costs and stringent bank loan terms make it impossible for them to build a house. But now the Punjab government has taken a revolutionary step. Under “Apni Zameen Apna Ghar Loan Monthly Installments 2025”, deserving families will be given free three marla plots so that they can build their own houses.
This scheme is not just a scheme, but a ray of hope for those who have no land, no resources, no support. This is a gift for parents who want their children to have a roof over their heads. This is an opportunity for young people who want to avoid the humiliation of renting houses after marriage. At the state level, this step is a major step towards a welfare state.
The project is being implemented under the “Mera Pakistan Mera Ghar” programme, which is being supervised by the State Bank of Pakistan. It will also provide loans on easy terms so that people can not only acquire land but also build houses.
Summary of important information
| information | Description |
| Scheme Name | Apna Zemin Apna Ghar Scheme 2025 |
| Government | Punjab Govt |
| Plot size | 3 Marla (Free) |
| Total districts | 19 |
| Source of credit | Mera Pakistan Mera Ghar Scheme (MPMG) |
What is Apna Zemin Apna Ghar Scheme and how is it different?
This scheme is for those people who have never been able to own any land or house till date. In 2025, the Punjab government has allotted 1,892 plots at 23 locations in 19 districts in the first phase. The special thing about these plots is that they will be given completely free.
As soon as the plot is allotted, the applicant can avail the MPMG loan scheme to build the house in easy installments. The process is completely transparent and it is possible to apply through an online portal.
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How will installments of own land own home loan be determined?
The loan under the MPMG scheme is divided into different tiers so that each segment can benefit from the scheme as per their requirement:
Tier 1 (NAPHDA):
- House Price: Maximum Rs 35 Lakhs
- Loan: Up to Rs.27 lakhs
- Interest rate: 2% for first 5 years, then 4%, then 5%
- Monthly Installment (Example): Rs 10,500 to Rs 14,000 on a 2 million loan for 20 years
Tier 0 (Microfinance):
- Small loans, for very low income individuals
- Interest rate: 5% for first 5 years, then 7%
- On a loan of Rs 10 lakh, the installment is approximately Rs 7,000
Tier 2 (Commercial Bank):
- House Price: Up to Rs.60 Lakhs
- Interest: 5% for first 5 years, then 7%
- Rs 30 Lakh Loan Installment: Starting from Rs 16,000
Tier 3 (Commercial Bank):
- House Price: Over Rs 60 Lakhs
- Interest: 7% for first 5 years, then 9%
- The installment will be determined according to the loan
Who is eligible for Apni Zameen Apna Ghar Loan Monthly Installments?
The government has laid down specific eligibility criteria for the scheme so that only deserving people can benefit from it:
- Must be permanent resident of Punjab
- The address on the national identity card should be of Punjab
- Do not own any land or house
- Monthly income Rs.50,000 or less
- Age 18 years or older
- Complete PSER survey
- Have not taken any plot from the government in the past
- Don’t get involved in a lawsuit or bank default
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In which districts this scheme has been started?
The following 19 districts have been included in the first phase:
Attock, Bahawalnagar, Bahawalpur, Bhakkar, Chiniot, Faisalabad, Gujarat, Jhang, Jhelum, Kasur, Khushab, Leh, Lodhran, Mandi Bahauddin, Okara, Rajanpur, Sahiwal, Sargodha, Wahari.
How to Apply Online in Apni Zameen Apna Ghar Loan Monthly Installments?
Applying to the scheme is very easy. Follow the procedure below:
- Official website Go to
- Create your account by clicking on “Register”.
- Login with username and password
- Complete the application form
- Upload CNIC, Income Proof etc
- Save the tracking ID after submitting the form
- You can check the application status by logging in at any time
What are the terms and conditions?
After the plot is allotted by the government, there are some important conditions to be observed:
- Construction must be started within 6 months of getting the plot
- House must be completed within 2 years
- The plot cannot be sold or rented for 5 years
- To be used for residential use only
- Violation of rules may result in cancellation of plot
Is this really a golden opportunity?
Absolutely. Apni Zameen Apna Ghar Loan Monthly Installments 2025 is a rare opportunity for families who have been dreaming of a personal home for years. Where there is inflation and unemployment on one side, this scheme can prove to be the beginning of a new life for them. Free land, easy installments, and full government support – all these combine to lead the common Pakistani to a better future.
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Result:
Apni Zameen Apna Ghar Loan Monthly Installments 2025 is not just a scheme but a revolution. This is the hope for the poor and lower middle class in Pakistan that was buried alive for years. The day is not far when every Pakistani will have his own roof, his own dreams and a secure life. If you are one of those who qualify, don’t delay. Apply today and lay the foundation for a brighter tomorrow for your children.
For more details and application visit:
https://azag.punjab.gov.pk