Imagine owning a piece of land—no rent, no landlord, just your own space to build a home. That’s what Punjab’s new scheme aims to do. Under Apni Zameen Apna Ghar (AZAG) and Apna Chhat Apna Ghar (ACAG), the government is offering free 3 Marla residential plots plus an interest-free home construction loan of Rs. 1.5 million.
This is designed especially for low-income families who’ve never had a chance to own property or build a home. The application process is meant to be fair, transparent, and simple, whether you apply online or offline.
Let’s break down how it works, who qualifies, and how you can apply.
Highlights (What You’ll Get)
- Free 3 Marla residential plot across Punjab
- Interest-free home loan up to Rs. 1,500,000
- Monthly payments: Rs. 14,000 for 7 years
- No registration fees or hidden charges
- Transparent draw system for all eligible applicants
Key Features of AZAG & ACAG
Here’s what the schemes include:
- Free 3 Marla residential plots
- Interest-free loan (Rs. 1.5 million) for building your home
- Monthly installments: Rs. 14,000 over 7 years
- Households earning less than Rs. 50,000/month are eligible
- No registration fees or hidden payments
- Both online and offline application methods
Who Can Apply?
These schemes target people who really need help. You may qualify if:
- You do not own any property or house
- You don’t have a stable income source
- Your household earns less than Rs. 50,000 per month
- You’ve never received government financial support
- Widows and orphaned families
- Daily wage workers
- Persons with disabilities
- Low-income households
How to Register (Online & Offline)
Online Registration
- Visit the official AZAG portal
- Click “Registration”
- Fill in CNIC, name, contact, and other required details
- Enter and verify your email
- Select option for plot + home construction loan
- Submit the application
- Wait for verification and draw results
Once verified, eligible names go into a computerized draw. Results are published publicly.
Offline Registration
If you’re in a place without good internet access, you can:
- Go to the Deputy Commissioner (DC) office
- Ask for the AZAG registration form
- Fill it out with your CNIC and supporting documents
- Submit it—no fees, no middlemen
This lets people in remote areas also participate.
Plot Allotment & Loan Approval
Once you’re selected:
- You’ll get the 3 Marla plot in your name
- Then your interest-free home construction loan process begins
Here’s how the loan works:
- It’s strictly for home construction
- Grace period: first 3 months no payments
- After that, Rs. 14,000/month for up to 7 years
- If you miss three payments in a row, your application may be cancelled
Paying on time helps you secure your home without trouble.
Fairness & Transparency
The government has built in safeguards:
- A computerized draw system ensures no favoritism
- Only eligible applicants make it to the final draw
- Results are published publicly
- Notifications are sent through official government channels
- Reminder: Don’t trust agents asking for money — registration is free
Important Tips for Applicants
- The registration is completely free — don’t pay anyone
- Always use official portals or DC offices
- Keep your application confirmation copy
- Don’t submit multiple applications with the same CNIC
- Avoid scams and fake messages
Quick Facts Table
| Key Detail | Information |
|---|---|
| Scheme Names | AZAG & ACAG |
| Plot Size | 3 Marla residential |
| Home Loan | Rs. 1,500,000 (interest-free) |
| Monthly Installment | Rs. 14,000 |
| Repayment Period | 7 years |
| Target Income Group | Below Rs. 50,000/month |
| Registration Cost | Free |
| Application Methods | Online & Offline |
| Priority Groups | Widows, daily wage workers, disabled persons |
Latest Update
This scheme was launched by Punjab’s Chief Minister Maryam Nawaz recently. Applications are open now and the draw for initial allotments is expected soon. Stay updated via the official AZAG portal or your local DC office.
FAQs
Q1: Is registration really free?
Yes. You should never pay a fee. All official registration is free.
Q2: Who gets priority in allotment?
Widows, orphans, daily wage workers, persons with disabilities, and those earning under Rs. 50,000/month are given priority.
Q3: What if I miss loan payments?
Missing three consecutive payments may lead to cancellation of your allotment.
Q4: Can I apply if I already own property?
No. Owning land or a house disqualifies you from this scheme.
Q5: When will results be announced?
They’ll be published after the draw on the official portal and through government channels.
Conclusion
Here’s the thing: these AZAG & ACAG schemes are a strong step toward helping vulnerable families own homes. Free plots, interest-free loans, and fair processes make this one of the most promising housing programs in Punjab.
If you think you might qualify, don’t wait. Register online or visit your DC office today. Secure your chance at a home that’s truly yours.