CM Punjab approves interest-free home loans under AZAG Scheme 2026, targeting build 160,000 homes for low- and middle-income families by June 2026. This landmark decision aims to address housing shortages and make homeownership more accessible across Punjab.
According to official sources, the initiative will support families who already own land as well as those seeking residential plots, ensuring long-term housing stability for deserving citizens.Under the newly approved plan, interest-free loans will be provided for home construction and expansion. Families can utilize these loans to extend existing homes or build new units under the Apni Chhat, Apna Ghar framework, which is now linked with the AZAG scheme.
This move is expected to significantly reduce financial pressure on households struggling with rising construction costs and inflation.
Key Highlights – AZAG Scheme 2026
| Highlights | Details |
|---|---|
| Scheme Name | Apna Zameen Apna Ghar (AZAG) |
| Interest-Free Loans | Loans available for home construction & expansion without interest |
| Residential Plots Approved | 1,534 plots approved for deserving families |
| Housing Target | 160,000 homes to be built by June 2026 |
| Beneficiary Focus | Low-income families, landowners needing construction support, citizens without proper housing |
| Economic Impact | Employment generation in construction & allied sectors |
| Government Assurance | Transparent allocation & merit-based selection |
Approval of 1,534 Residential Plots
In another key development, the Punjab government has approved the allotment of 1,534 residential plots under the Apna Ghar Apni Zameen Scheme. These plots will be allocated transparently to eligible families, prioritizing those without personal housing.
The government has emphasized merit-based distribution to ensure that only deserving applicants benefit from the scheme.
160,000 Homes Targeted by June 2026
One of the most notable aspects of the announcement is the clear deadline.
The Punjab government has set a target to complete the construction of 160,000 homes by June 2026, marking one of the largest housing initiatives in the province’s history.
Authorities believe this large-scale housing drive will not only improve living standards but also create employment opportunities in the construction sector.
Who Will Benefit from the AZAG Scheme?
The Apna Ghar Apni Zameen (AZAG) Scheme is designed to benefit:
- Low-income families
- Individuals owning land but lacking construction funds
- Families living in rented or unsafe housing
- Deserving citizens without residential property
Further eligibility criteria and application procedures are expected to be announced soon through official government channels.
How to Apply – Apna Zameen Apna Ghar (AZAG) Scheme
- Check Eligibility:
Ensure you are a low- or middle-income family. Applicants must either own land or be eligible for housing support under the AZAG Scheme. - Registration:
Applications will be accepted via the official Punjab government portal. - Documents Required:
Prepare the following documents before applying:- CNIC of the applicant
- Proof of land ownership (if applicable)
- Income certificate / eligibility proof
- Any prior housing scheme documents (if applicable)
- Submit Application:
Fill out the online form through the official portal or submit it at designated local offices. - Verification & Allotment:
Government officials will verify all submitted documents. Once approved, plots and loan amounts will be allocated to eligible families. - Loan Disbursement & Construction:
Approved applicants will receive interest-free loans to construct or expand their homes under the AZAG Scheme.
Eligibility & Non Eligibility Criteria AZAG Scheme
Eligibility
- Citizens of Punjab
- Low to middle-income families
- Applicants owning land or eligible for plot allotment
- Families without proper housing
Non-Eligibilit
- Individuals already owning fully constructed homes
- Families above specified income limits (to be announced officially)
- Applicants with previous housing scheme benefits (unless stated otherwise)
- Non-residents of Punjab
Note:
All details mentioned here are sourced from the official Punjab government website. Any further announcements or updates regarding the AZAG Scheme will be shared through this article as soon as they are released.
Conclusion
The Apni Zameen Apna Ghar (AZAG) Scheme is a major initiative by the Punjab government to provide affordable housing and interest-free loans to deserving families. With 1,534 plots approved and a target of 160,000 homes by June 2026, this scheme aims to transform homeownership opportunities across Punjab.
Eligible families are encouraged to check the official portal, prepare required documents, and apply as soon as registration opens. The government has assured transparent allotment and merit-based selection, ensuring that benefits reach those who truly need them.
People Are Asking
Who is eligible for the AZAG Scheme?
Low- and middle-income families of Punjab who either own land or qualify for plot allotment.
How can I apply for the Apni Zameen Apna Ghar form?
Applications can be submitted through the official Punjab government portal or designated local offices.
What documents are required to apply?
CNIC, proof of land ownership (if applicable), income certificate, and any prior housing scheme documents.
When will the 160,000 homes be completed?
The government aims to complete construction by June 2026.
Will the loans be interest-free?
Yes, all home loans under this scheme are completely interest-free for eligible applicants.