Punjab Chief Minister Maryam Nawaz Sharif has launched an ambitious housing scheme titled “Apni Zameen Apna Ghar” to provide free residential land to low-income and homeless families across the province.
Under this initiative, eligible citizens will receive 3-marla plots free of cost, along with access to interest-free loans of up to Rs. 1.5 million for construction purposes. These loans, which can be repaid over a period of seven years, aim to help beneficiaries build homes on the allocated land.
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The Punjab Housing and Town Planning Agency (PHATA) will manage the project, with administrative support from the Housing and Urban Development Department.
In its first phase, the government will distribute 1,892 plots across 23 housing schemes in 19 districts, including Faisalabad, Bahawalpur, Rajanpur, Attock, Sahiwal, and Jhelum. The program will later be expanded to cover all districts of Punjab.
The provincial government has also set a target to construct 100,000 homes over the next four and a half years, aiming to benefit both the underprivileged and middle-income families.
Eligibility Criteria
To apply, individuals must:
- Be a resident of Punjab and apply within their home district
- Not own any property in Pakistan
- Be registered with the NSER and have a PMT score of 60 or below
- Have a monthly income under Rs. 50,000
- Be at least 18 years old (married applicants will be given preference)
- Not have any criminal background or history of loan defaults
- Be recognized as the head of a nuclear family (verified by NADRA)
- For loan eligibility, already own a plot of land
How to Apply
Applicants should not make any payments at any stage. They are encouraged to complete their socio-economic profile on the official website: pser.punjab.gov.pk.
Those without internet access can apply through their local Deputy Commissioner’s office.
The “Apni Zameen Apna Ghar” scheme promises transparent and fair plot distribution, with priority given to widows, orphans, individuals with disabilities, and daily wage earners.
