CM Punjab Housing Loan Schemes 2025: Apply & Get Your Free Plot!

Punjab’s Chief Minister Maryam Nawaz Sharif is leading a major transformation in the province’s housing sector with two key projects launched under the CM Punjab Loan Schemes 2025.

The schemes – Apni Chhat Apna Ghar and Apni Zameen Apna Ghar – aim to provide dignified housing and land ownership to underprivileged families, fulfilling the long-standing dream of homeownership for thousands.

What Are These Schemes?

The CM Punjab Loan Scheme introduces two separate initiatives:

1. Apni Chhat Apna Ghar: Offers interest-free loans up to PKR 1.5 million for home construction.
2. Apni Zameen Apna Ghar: Also known as the 3-Marla Plot Scheme, offers free residential plots to homeless families across Punjab.

These programs are part of a broader strategy to reduce homelessness, improve living standards, and stimulate economic activity.

Key Features of Apni Chhat Apna Ghar

• Target: Construct 100,000 homes in the next 4.5 years.
• Loan: Up to PKR 1.5 million, with easy monthly payments of PKR 14,000 over 7 years.
• Locations: Multan, Faisalabad, Rawalpindi, Lahore (notably 5,000 units on Raiwind Road), and others.
• Portal: Applications can be submitted online at acag.punjab.gov.pk.
• Progress: 21,797 homes are near completion; PKR 924 million already recovered from 25,500+ beneficiaries.

Key Features of Apni Zameen Apna Ghar

• Initial Plots: 1,892 distributed across 19 districts such as Sahiwal, Faisalabad, and Jhelum.
• Eligibility: No home ownership, monthly income below PKR 50,000, Punjab domicile required.
• Portal: Online applications available at azag.punjab.gov.pk.

How to Apply?

For Apni Chhat Apna Ghar:

• Visit acag.punjab.gov.pk
• Register with CNIC, contact details, and location info
• Login, fill the form, upload CNIC, income certificate, and plot proof
• Submit and track your application status

For Apni Zameen Apna Ghar:

• Go to azag.punjab.gov.pk
• Register using CNIC and mobile number
• Fill details, upload required documents, choose your district
• Submit application and track status online

Offline assistance is also available through DC offices and TMA offices.

Who Is Eligible?

For both schemes:

• Applicant must be a Punjab resident (as per CNIC)
• No property in name of applicant or family
• Monthly income should not exceed PKR 50,000
• No prior criminal record or loan defaults
• Must be listed in the Punjab Socio-Economic Registry (PSER)

Social & Economic Impact

These schemes are not just about housing – they aim to reshape lives:

• Over 34,000 families have already benefited
• Job creation in the construction sector (estimated 500,000 jobs)
• Empowerment of women, especially widows and female-headed households
• Access to interest-free loans and free plots valued between PKR 1.2 to 3.6 million

The CM Punjab Loan Schemes are a lifeline for the province’s underprivileged, offering real hope through accessible homeownership. With digital portals, clear eligibility, and transparent processes, families can now step forward and secure their future in 2025.

For details, visit:

• acag.punjab.gov.pk – For housing loan scheme
• azag.punjab.gov.pk – For free plot scheme

Read More: How to Apply for CM Punjab Asaan Karobar Card – Complete Guide