Apni Zameen Apna Ghar CM 3 Marla Plot Scheme 2025

🌐 How to Apply Online for Apni Zameen Apna Ghar Scheme 2025

Looking to register for your free 3 Marla residential plot under the CM Punjab housing initiative? Here is the official step-by-step online application process through the government portal:

✅ Step-by-Step Registration Process:

🔹 Step 1: Visit the Official Portal
Open the official housing scheme website by going to:
👉 https://azag.punjab.gov.pk

🔹 Step 2: Check Your Eligibility
Click on the “Eligibility Criteria” tab from the main menu.
Carefully review all conditions to confirm you are eligible to apply.

🔹 Step 3: Create Your Online Account
Fill in the registration form with the following details:

• CNIC Number (13-digit)
• Full Name (as per CNIC)
• Valid Email Address
• Active Mobile Number
• Secure Password of your choice

Once all fields are complete, click the “Register” button as shown in the portal instructions or image.

🔹 Step 2: Verify Your Account & Access the Portal

✅ Email Verification:
After registration, check your email inbox for a verification message from the system.
Click the confirmation link provided in the email to activate your account.

✅ Log In to the Portal:
Once verified, go back to the official portal.
Enter your registered email address and password, then click on “Login” to access your personal dashboard.
(Refer to the image below for visual guidance.)

🔹 Step 3: Complete the Eligibility Questionnaire

✅ Answer 5 Mandatory Questions Honestly
You’ll now be asked to answer a short eligibility form consisting of five yes/no questions. These help verify if you meet the basic criteria for the 3 Marla plot scheme.
Answer truthfully, as false information may result in disqualification.

The five questions include:

1. Are you a permanent resident of Punjab?
2. Are you applying within your own district?
3. Do you or any immediate family member own any residential land or home in Pakistan?
4. Have you ever been blacklisted or declared a defaulter by any bank or financial institution?
5. Do you have any criminal record?

(See the sample image below to understand the format of this section.)

🔹 Step 4: Fill Out the Application Form

✅ Provide Accurate Personal Details
After passing the eligibility check, you’ll be directed to the official application form. Carefully enter your personal and contact information exactly as per your CNIC and official records.

📌 Required details may include:

• Full Name (as per CNIC)
• CNIC Number
• Father’s/Husband’s Name
• Mobile Number
• Email Address
• Complete Residential Address
• District & Tehsil

Make sure all information is accurate, as discrepancies may lead to rejection of your application.
(Refer to the image below for guidance on how to fill out the form correctly.)

🔹 Step 5: Enter Employment & Income Details

✅ Provide Your Economic Information Honestly
In this section, you’ll be asked to submit details about your employment status and monthly income to determine eligibility under the low-income housing category.

📌 Information required:

• Employment Type (Government, Private, Self-Employed, Daily Wage, etc.)
• Job Title or Profession
• Organization/Employer Name (if applicable)
• Monthly Income (in PKR)
• Any Additional Sources of Income

💡 Note: All entries must be truthful and verifiable. Misreporting may lead to disqualification or legal action by PHATA.

📸 (Refer to the image below to see how to fill this section correctly.)

🔹 Step 6: Select Your Occupation and Income Details

✅ Complete Financial Profile Section
After entering basic employment details, click on “Next” to proceed.

You’ll now be required to select the following from dropdown options:

• 🧾 Occupation Type – Choose your current occupation (e.g., Government Employee, Private Sector, Daily Wager, Self-Employed, etc.)
• 💰 Monthly Income Bracket – Select your income range from the available categories.
• 📊 Primary Source of Income – Choose from salary, business, pension, or any other applicable source.

📸 (See the image below for visual guidance on selecting the correct options.)

💡 Ensure all information is accurate and matches your actual income and employment documents.

🔹 Step 7: Provide Household & Family Details

✅ Enter Family Information Accurately
Click “Next” to move to the Family Information section.

You’ll be asked to fill in:

• 👨‍👩‍👧‍👦 Total Number of Family Members – Include yourself, spouse, children, and any other dependents living with you.
• 🧒 Number of Dependents – Mention how many family members are financially dependent on you.
• 💵 Combined Family Income (if applicable) – Enter the total income earned by all working family members, if applicable.

📸 (Refer to the image below for proper form-filling instructions.)

💡 Ensure all data reflects reality — incorrect entries can result in disqualification.

:

🔹 Step 8: Enter Your Housing Requirements

✅ Click “Next” to proceed to the Housing Requirements section.

This section helps the Punjab Government understand your current housing condition and future needs. You’ll be required to answer the following questions:

• 🏠 Are you currently living in a rented house?
  ➤ Select Yes or No
  ➤ If Yes, enter your monthly rent amount (in PKR)
• 🏢 Have you previously received any government housing allotment?
  ➤ Select Yes or No
• 💸 Do you wish to apply for a subsidized loan under the “Apni Chhat Apna Ghar” scheme?
  ➤ If Yes, select your desired loan amount from the dropdown menu
  ➤ Loan options go up to Rs. 1,000,000

📸 (Refer to the image below for exact form interface.)

💡 Tip: Select options truthfully. Misrepresentation may lead to permanent disqualification.

🔹 Step 9: Upload Required Documents

✅ Click “Next” to move to the Document Upload section.

In this step, you will upload the necessary documents to complete your application. Please ensure that all files are in JPG, PNG, or PDF format, and the file size does not exceed 1 MB each.

📂 Documents You Must Upload (as shown in the screenshot below):

1. 🖼️ Recent Passport-Sized Photograph (تصویر)
2. 🪪 Applicant’s CNIC (Front & Back)
3. 🪪 Spouse’s CNIC (If married – شریک حیات کا شناختی کارڈ)
4. 💼 Proof of Income (آمدن کا ثبوت – e.g., salary slip, pension slip, etc.)
5. 📜 Domicile Certificate (ڈومیسائل)
6. 📎 Additional Supporting Documents (اگر کوئی اضافی دستاویزات ہوں)

🔐 Important:

• Make sure the uploaded documents are clear and readable.
• Upload genuine and verifiable documents to avoid rejection.
• Incorrect or fake uploads will result in disqualification.

📸 (See the image below for the exact upload interface)

✅ Step 10: Final Review & Submit Your Application

📋 Final Application Review & Allotment Process for Apni Zameen Apna Ghar Scheme

Once you have submitted your application successfully, here’s what to expect next:

✅ Verification & Allotment:

• District administration will carefully verify every application.
• Eligible candidates will be entered into a transparent computerized ballot (draw).
• Successful applicants will receive confirmation via SMS and email.
• Allotted plots will be within government-approved housing schemes across Punjab.

🏗️ Government-Backed Housing Support

This initiative goes far beyond free plots. It includes full-fledged government support for long-term homeownership:

• 🏦 Interest-free construction loans from partner banks
• 🏚️ Technical assistance by Punjab Housing & Town Planning Agency (PHATA)
• 🤝 Collaborations with private sector developers
• 👩‍👧 Prioritization of widows, disabled individuals, and female-headed households
• 💬 CM Maryam Nawaz: “Every family in Punjab deserves a safe and dignified home. This scheme is our promise to deliver that dream.”

Required Documents for Application Submission

Ensure you prepare and upload the following documents (max size: 1 MB each, formats: JPG, PNG, PDF):

• ✅ Recent passport-size photographs
• ✅ CNIC (front & back)
• ✅ Spouse’s CNIC (if married)
• ✅ Income proof (salary slip, business income certificate)
• ✅ Domicile certificate
• ✅ Family Registration Certificate (FRC) by NADRA
• ✅ Recent utility bill (gas/electric/water)
• ✅ Bank statement (last 6 months)
• ✅ Rental agreement or ownership deed (if applicable)
• ✅ Affidavit declaring no current property ownership
• ✅ Disability certificate (if applicable)
• ✅ Marriage certificate (if required)

⚠️ Terms & Conditions (TORs) for Plot Allotment

To maintain fairness and accountability, PHATA enforces strict terms:

• ⏳ Construction must begin within 6 months of receiving possession.
• ✔️ Completion is mandatory within 2 years as per approved bylaws.
• ❌ Plots cannot be transferred, sold, or leased for 5 years.
• ⛔ False information or delays will lead to cancellation without refund.
• 🏡 Plots are for residential use only; commercial activity is prohibited.
• 🔍 PHATA holds the right to conduct inspections at any stage.
• 🔒 Disputes will be resolved by the PHATA Grievance Redressal Committee (GRC).

These measures protect the program’s vision and ensure fair access for truly deserving families.

🏠 Interest-Free Housing Loan for 3 Marla Plot Allottees

If you receive a 3 Marla plot under the scheme, you become eligible for an interest-free construction loan via the Apni Chhat Apna Ghar initiative.

💰 Loan Details:

• Amount: Up to PKR 1.5 million
• Monthly Installment: Approx. PKR 14,000
• Repayment Period: 7 years (84 months)
• Grace Period: 3 months before the first payment
• Disbursement: Released in installments based on construction milestones

This affordable financing helps low-income households build homes without the stress of interest-based loans.

🔗 Official Resources & Helplines

Stay connected through official government platforms:

• 🔗 Application Portal: acag.punjab.gov.pk
• 🔗 Punjab Government: punjab.gov.pk
• 🔗 PSER Registration: pser.punjab.gov.pk
• ☎️ Helplines: 042-99213419, 0800-09100, 0800-26477 (NSER support)
• 📂 Complaints Portal: complaints.punjab.gov.pk

📆 Tip: Regularly check acag.punjab.gov.pk for new updates, deadlines, and schedule announcements.

✨ Why This Scheme Matters for Punjab

This program is a game-changer for low-income and landless families in Punjab:

• Eliminates the burden of rent
• Empowers women and vulnerable populations
• Provides tangible ownership and housing security
• Aims to construct 100,000 homes in 4.5 years

Through free plots, interest-free loans, and technical assistance, the government is creating a foundation for sustainable, dignified living for all.

Let this be your family’s first step towards a permanent home and a better future.

📢 Final Thoughts – Apni Zameen Apna Ghar 3 Marla Plot Scheme 2025

The Apni Zameen Apna Ghar Scheme led by CM Maryam Nawaz is more than just a housing initiative — it’s a life-changing opportunity for Punjab’s most deserving families. With free 3-marla residential plots, transparent balloting, interest-free loans, and full technical assistance, the government is building more than houses — it’s building hope, dignity, and long-term stability.

This is your chance to break free from rent, secure a permanent home, and build a better future for your family.

📝 Apply Online Now:

👉 azag.punjab.gov.pk — Submit your application through the official portal.

📌 Important Information

📞 Contact Numbers:
042-99213419, 042-99213428

📧 Email Support:
[email protected]

⚠️ Avoid Scams – Stay Safe

✅ No Application Fee:
Registration for plots and loans is 100% free of cost.

✅ Use Verified Portals Only:
Always apply through official websites —
🔹 acag.punjab.gov.pk
🔹 Local Deputy Commissioner (DC) offices

🚨 Report Fraud or Scams:
📞 0800-09100 (Toll-Free)
📝 complaints.punjab.gov.pk

📆 What To Do Next:

• ✅ Get NSER-registered if not already.
• ✅ Prepare your documents in advance.
• ✅ Monitor acag.punjab.gov.pk weekly for updates and application windows.

💡 Secure your 3-marla plot. Build your home. Begin your journey toward ownership in 2025.