The Apni Zameen Apna Ghar 2026 (AZAG) program is a landmark housing initiative launched by Chief Minister Maryam Nawaz Sharif. For the year 2026, the scheme has been expanded to provide both free residential plots and interest-free construction loans, ensuring that the most vulnerable families in Punjab can finally own a permanent home.
This guide provides a complete breakdown of the registration process, eligibility, and how to secure both the plot and the financial support.
The 2026 Housing Package Details
The program is specifically designed for the homeless and low-income population, offering a dual benefit: Free 3-Marla Plots: The government is allotting thousands of 3-marla residential plots in 19+ districts across Punjab, including regions like Faisalabad, Lahore, Rawalpindi, and Sargodha. Rs. 1.5 Million (15 Lakh) Loan: For those who already own a small plot (up to 5 marlas in cities or 10 marlas in villages) or those allotted a new plot, an interest-free loan of Rs. 15 Lakh is provided for construction. Zero Interest (Qarz-e-Hasna): The loan is 100% interest-free, with a very affordable monthly installment of approximately Rs. 14,000 spread over 7 years.
Eligibility Criteria for Applicants
To ensure transparency and reach the truly deserving, the following strict criteria apply in 2026: Residency: You must be a permanent resident of Punjab with a valid CNIC. Property Ownership: The applicant, spouse, and dependent children must not own any other house or plot in Pakistan. Income Level: Priority is given to families registered in the NSER (BISP) database with a poverty (PMT) score typically below 60. Clean Record: Must not be a bank defaulter or have a criminal record. Native District Rule: For the free plot category, you can only apply within your native (home) district as per your CNIC address.
How to Apply Online (Step-by-Step)
The registration and balloting process is entirely digital to eliminate the role of “middlemen” or agents. Step 1: Visit the Official Portal: Go to azag.punjab.gov.pk (for free plots) or acag.punjab.gov.pk (for construction loans). Step 2: Create an Account: Register using your CNIC and a mobile number registered in your own name. Step 3: Choose Your Category: Select either “Request for Free Plot” or “Interest-Free Loan for Construction.” Step 4: Upload Documents: You will need to upload clear scans of your CNIC, Punjab Domicile, and Family Registration Certificate (FRC) from NADRA. Step 5: Final Submission: After submitting, you will receive a tracking ID. Keep this safe for the balloting results.
Selection and Balloting Process
Because the number of applicants exceeds the available plots/loans, the government uses a transparent e-balloting system. Check Results: You can check the balloting results by entering your CNIC on the portal. Phased Distribution: If you are not selected in the first phase, your application remains active for future phases automatically—you do not need to reapply. Construction Timeline: Successful plot allottees must begin construction within 6 months and complete it within 2 years.
Important Rules and Restrictions
To prevent the misuse of government resources, the following rules are strictly enforced:
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No Selling/Transfer: Allotted plots cannot be sold, rented, or transferred to anyone else for a period of 5 years.
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Residential Use Only: The property must be used for living purposes and cannot be converted into a shop or commercial center.
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Physical Verification: Government teams will conduct surprise visits to ensure the construction is progressing according to the approved map.
Official Warning
The Punjab Government does not charge any “Processing Fee” or “Advance Payment” through private individuals. All registration is FREE OF COST. If anyone asks for money to “guarantee” your plot or loan, report it immediately to the Punjab Helpline at 0800-09100.