This scheme is targeted at individuals who already have a plot but do not have the financial means to construct one. The scheme was introduced alongside Apni Zameen Apna Ghar.
Up to PKR 1.5 million in interest-free housing loans, repayable in affordable monthly installments of around PKR 14,000 over a period of 7 years, can be received by eligible applicants.
Who Can Apply
• Own land up to 5 marlas (urban) or 10 marlas (rural)
• Be registered in NSER with a PMT score ≤ 60
• Have no existing loans or property fraud cases
• Be heads of households and hold valid CNICs
• Have a household income less than PKR 50,000
آپکے اپنے گھر کا خواب۔۔۔۔
— Government of Punjab (@GovtofPunjabPK) August 1, 2025
پورا کررہی ہے حکومت پنجاب۔۔۔
دے رہی ہے مفت پلاٹس۔۔
حاصل کرنے کے لئے تفصیلات دیکھیں pic.twitter.com/rNk5MVaG16
Also Read: Apply for NADRA jobs online easily through Pak ID mobile app
Registration Process
• Visit the official portal: acag.punjab.gov.pk
• Fill out the loan application form with CNIC, income proof, and land ownership documents
• After verification, selected applicants will be notified to begin the loan agreement process
• No processing fee is required
The scheme is expected to spur local construction activity, create thousands of jobs, and uplift entire neighborhoods by turning undeveloped plots into livable homes.
Chief Minister Maryam Nawaz stated, “Our aim is to transform bare land into shelter, into stability, into dreams fulfilled. No one should live in a half-built home ever again.”
