Current status (October 2026): the 2026 expansion phase has been announced. Check PHATA and Punjab government announcements for district-wise balloting schedules.
What Is the Scheme?
The Apni Zameen Apna Ghar (AZAG) Scheme 2026 — “My Land, My Home” — is one of the Punjab government’s most ambitious housing initiatives under Chief Minister Maryam Nawaz. Implemented by the Punjab Housing and Town Planning Agency (PHATA), it aims to eliminate homelessness by giving vulnerable families not just shelter, but land ownership and dignity.
What Do Beneficiaries Get?
- Free 3 marla residential plot per eligible family — full ownership.
- Interest-free construction loan up to Rs1.5 million to build the house.
- Secure, documented ownership instead of informal or rented shelter.
Who Is Eligible?
The scheme targets homeless and low-income families across Punjab. Priority categories announced for the 2026 expansion include:
- Widows
- Orphans
- Disabled persons
- Low-income households with no owned residence
How Selection Works
- Applications are submitted through a fully digital process.
- Beneficiaries are chosen by computerized balloting — transparent and free from manual interference.
- District-wise schedules and quotas are announced by PHATA.
How to Apply
- Apply through the official digital application when announced by PHATA / the Punjab government.
- Keep ready: CNIC, proof of income/poverty status, and family details.
- No fee, no agents: the process is free and ballot-based. Anyone demanding money is running a scam.
Terms and Restrictions
- Resale restriction: the plot cannot be sold for a long-term lock-in period, preventing misuse and speculation.
- The plot is strictly for the beneficiary family’s own residence.
- The construction loan is interest-free — only the principal is repaid per the announced schedule.
Frequently Asked Questions
What exactly do beneficiaries receive?
A free 3 marla residential plot per eligible family, plus access to an interest-free construction loan of up to Rs1.5 million to build the house.
How are beneficiaries selected?
Through a fully digital application process with computerized balloting, run transparently to ensure fairness — no manual interference or favoritism.
How do I apply?
Through the official digital application process announced by PHATA / the Punjab government. There is no fee, and you should never pay any agent — selection is ballot-based.
Can I sell the plot after receiving it?
No — there is a long-term restriction on resale to prevent misuse and speculation. The plot is meant for the family’s own residence.
Is the construction loan really interest-free?
Yes. The construction support of up to Rs1.5 million is an interest-free loan — beneficiaries repay only the principal under the announced terms.
Disclaimer: This is an informational page only and is not the official portal of the government. Always verify details through official government announcements.
