Apni Chhat Apna Ghar Scheme 2026: Eligibility, Loan & Apply Online Guide

Key Takeaways (TL;DR)

Table of Contents

  1. What Is Apni Chhat Apna Ghar Scheme?
  2. 2026 Progress & Latest Statistics
  3. Apni Chhat Apna Ghar Eligibility Criteria 2026
  4. Documents Required
  5. How to Apply for Apni Chhat Apna Ghar Online
  6. What to Do If the Portal Is Down
  7. Loan Amount, Installments & Repayment
  8. The Three Execution Models Explained
  9. Apni Zameen Apna Ghar – Free 3-Marla Plot Scheme
  10. Latest Update: Joint Family Loans (January 2026)
  11. Common Mistakes to Avoid
  12. FAQs
  13. Sources & References

What Is Apni Chhat Apna Ghar Scheme?

The Apni Chhat Apna Ghar Scheme (also spelled Apni Chat Apna Ghar and abbreviated as ACAG) is a flagship Punjab Government housing program launched by Chief Minister Maryam Nawaz Sharif in August 2024. It offers interest-free housing loans of up to Rs. 1.5 million to low- and middle-income Punjab residents who already own a small plot of land but cannot afford construction costs [1][2].

The program is executed by the Punjab Housing and Town Planning Agency (PHATA) under the Housing, Urban Development & Public Health Engineering Department (HUD&PHED) [1]. Loans are disbursed through the Bank of Punjab, Akhuwat, NRSP, and RCDP [2][4].

Originally targeting 100,000 affordable houses across Punjab in 4.5 years, the target was raised in January 2026 to 160,000 houses by June 2026, with a longer-term goal of 500,000 loans over 3.5 years [2][5].

For families struggling with high rent, expensive bank mortgages, and rising construction costs, the CM Punjab housing scheme is the most accessible path to home ownership in the province today.

Apni Chhat Apna Ghar 2026 Progress & Latest Statistics

Here are the most recent verified figures from official sources:

As of April 2026 [3]:

As of January 2026 [5]:

A 99% recovery rate on a low-income loan program of this scale is unusual and a strong signal that the scheme is reaching responsible, committed beneficiaries.

Apni Chhat Apna Ghar Eligibility Criteria 2026

To qualify for the ACAG scheme, applicants must meet all of the following criteria, as listed on the Government of Punjab’s official portal [1]:

  1. Permanent resident of Punjab (as per CNIC)
  2. Head of family as per NADRA records
  3. Sole owner and possessor of land:
    • 5 marla or less in urban areas, OR
    • 10 marla or less in rural areas
  4. Registered with the National Socio-Economic Registry (NSER) with a PMT score of 60 or less
  5. No criminal record for anti-state, anti-social, or heinous crimes
  6. Not a loan defaulter of any bank or financial institution

At launch, the scheme targeted households with monthly income below PKR 60,000 [6].

Special Quotas

ACAG sets aside dedicated quotas for:

By design, 63% of beneficiaries are from rural areas and 37% from urban centres [2].

Documents Required for Apni Chhat Apna Ghar Application

Before applying online, prepare the following:

Incomplete documentation is the single biggest reason applications fail at the verification stage.

How to Apply for Apni Chhat Apna Ghar Online

The Government of Punjab has made the ACAG application process fully digital to eliminate middlemen. There are three official ways to apply [1][2][7]:

1. Online Application at acag.punjab.gov.pk

  1. Visit the official portal: acag.punjab.gov.pk
  2. Click “Registration” at the top of the homepage
  3. Create an account using your CNIC and mobile number
  4. Enter the OTP sent via SMS
  5. Fill in your personal, family, and land details
  6. Upload all required documents
  7. Submit and note your tracking ID

2. Toll-Free Helpline

Call 0800-09100 (the official PHATA helpline, verified by Punjab Information Technology Board) [8]. A representative will collect your details and process your registration over the phone.

3. In-Person Registration

Visit the nearest:

After submission, applications go through NADRA identity verification, PLRA land record verification, and finally computerized balloting [2].

Warning: Never pay an agent to apply on your behalf. The official portal, helpline, and PHATA offices are the only legitimate channels — all are free.

What to Do If the ACAG Portal Is Down

If you visit acag.punjab.gov.pk and see a “Server Error in ‘/’ Application” message, a .NET FileLoadException, or the portal simply fails to load — don’t panic. This is a known intermittent issue with Pakistani government .NET-based portals (similar issues affect NADRA, FBR IRIS, and BISP 8171 portals from time to time). It does not mean the scheme has ended, your application has been cancelled, or the URL has changed.

Here’s what to do:

  1. Wait and retry. Most portal outages are resolved within a few hours to 24 hours. Try again later the same day or the next morning.
  2. Clear your browser cache or try a different browser (Chrome, Edge, Firefox). Sometimes the issue is local.
  3. Use the official toll-free helpline: 0800-09100. PHATA representatives can register your application over the phone, free of cost.
  4. Visit in person at your nearest PHATA office, Bank of Punjab branch, or DC office help desk.
  5. Verify the scheme is still active by checking the Government of Punjab’s main portal: punjab.gov.pk/apni-chhat-apna-ghar.

Important: Portal downtime does not affect your eligibility, application status, or balloting chances. Never pay any “agent” claiming they can bypass the server error — they cannot. The portal will come back online.

If you’ve already submitted an application, your data is safe in PHATA’s database. You can resume status tracking once the portal is restored.

Apni Chhat Apna Ghar Loan Amount, Installments & Repayment

Here are the verified financial terms:

ItemDetail
Maximum loanRs. 1,500,000 (Rs. 15 lakh) [2][6]
Markup / Interest0% (fully interest-free) [1][2][9]
Monthly installmentApproximately Rs. 14,000 [6]
Repayment periodUp to 9 years [2]
Early repayment (1–3 years)20% concession on outstanding amount [9]
Early repayment (4–6 years)10% discount on outstanding amount [9]

Loans are typically disbursed in tranches against construction progress — meaning funds are released as your home is being built, ensuring the money is used for its intended purpose [2].

The Three Execution Models of ACAG

The Apni Chhat Apna Ghar Scheme runs through three distinct models [1][10]:

Model 1 — State Land + Private Developer Partnership

PHATA and private developers share state land on an equity basis. Developers construct homes; pricing and installment plans are finalized post-construction. Aimed at small towns and rural areas.

Model 2 — Affordable Units in Private Housing Schemes

Under the Affordable Private Housing Schemes (APHS) Rules 2020, private developers reserve part of their residential area for low-cost units. The Punjab Government provides a subsidy of up to Rs. 1 million per house in this model [6].

Model 3 — Interest-Free Loan to Plot Owners (Most Popular)

If you already own a 5-marla urban or 10-marla rural plot, you receive the Rs. 1.5 million interest-free loan directly and build your home yourself. This is the route most applicants take.

Apni Zameen Apna Ghar – Free 3-Marla Plot Scheme

If you don’t own any land at all, the parallel Apni Zameen Apna Ghar (AZAG) scheme allocates free 3-marla residential plots to deserving landless families through computerized balloting [5].

In Phase 1, 1,534 plots are being distributed across Punjab, including:

After receiving a plot under AZAG, you can apply for an ACAG construction loan to build on it — a fully integrated path from landlessness to home ownership.

Latest Update: Joint Family Loans (January 2026)

In January 2026, CM Maryam Nawaz Sharif approved extending the ACAG scheme to joint families living in shared homes. Now, multi-family households can apply for interest-free loans to add floors, extend, or expand their existing house [5]. This is a significant expansion of the program’s reach.

Common Mistakes Applicants Make (And How to Avoid Them)

Frequently Asked Questions

Q1: What is the Apni Chhat Apna Ghar Scheme? The Apni Chhat Apna Ghar Scheme (ACAG) is a Punjab Government program launched in August 2024 by CM Maryam Nawaz Sharif that provides interest-free housing loans of up to Rs. 1.5 million to low- and middle-income Punjab residents [1][2].

Q2: How much loan can I get under Apni Chhat Apna Ghar? The maximum loan amount is Rs. 1.5 million (Rs. 15 lakh), with 0% markup [2][6].

Q3: Who is eligible for the Apni Chhat Apna Ghar Scheme? You must be a permanent resident of Punjab, head of family per NADRA, owner of a plot of 5 marla or less (urban) or 10 marla or less (rural), have a PMT score of 60 or below in NSER, with no criminal record and no loan default history [1].

Q4: How do I apply for Apni Chhat Apna Ghar online? Visit acag.punjab.gov.pk, register with your CNIC and mobile number, fill in the application, upload your documents, and submit. You can also apply by calling 0800-09100 [1][7][8].

Q5: What is the monthly installment for the ACAG loan? The monthly installment is approximately Rs. 14,000 [6], with a repayment period of up to 9 years [2].

Q6: Is the Apni Chhat Apna Ghar loan truly interest-free? Yes. The Government of Punjab portal and major news sources confirm the loan carries zero markup. Borrowers repay only the principal amount [1][9].

Q7: How do I check my Apni Chhat Apna Ghar application status? Log in to your account at acag.punjab.gov.pk using your CNIC and password. You will also receive SMS notifications at each verification stage.

Q8: The acag.punjab.gov.pk portal shows a server error — what should I do? This is a known intermittent issue with Pakistani government .NET portals and is usually resolved within a few hours. Wait and retry, try a different browser, or use the toll-free helpline 0800-09100 to register over the phone. Your eligibility and existing application data are not affected.

Q9: Can overseas Pakistanis apply? The scheme is primarily for Punjab residents. Overseas Pakistanis may participate through joint or co-applicant structures in some cases. Confirm the latest policy on the official portal before applying.

Q10: Is Apni Chhat Apna Ghar available outside Punjab? No. It is a Punjab provincial scheme. Residents of other provinces should explore the federal PM Apna Ghar Scheme and State Bank housing finance options.

Q11: What is the difference between Apni Chhat Apna Ghar and Apni Zameen Apna Ghar? Apni Chhat Apna Ghar provides interest-free construction loans for those who already own land. Apni Zameen Apna Ghar provides free 3-marla plots to landless families. Beneficiaries can apply for both — first AZAG for the plot, then ACAG for the construction loan [5].

Q12: Is there a last date to apply for Apni Chhat Apna Ghar 2026? No fixed last date has been announced. Balloting is rolling and takes place in phases by district [10].

Q13: What discount do I get for early repayment? A 20% concession is given on outstanding amounts repaid within 1–3 years, and a 10% discount for repayments within 4–6 years [9].

Conclusion: Should You Apply?

The Apni Chhat Apna Ghar Scheme 2026 is one of the most accessible affordable housing programs in Pakistan’s history. With over 135,000 families benefited, 91,000+ houses completed, and a 99% recovery rate, the data supports what the program promises [3][5].

If you own a small plot in Punjab, your PMT score is 60 or below, and you’ve been waiting for a way to escape rising rent and expensive bank mortgages, the ACAG interest-free loan is worth a serious look.

Next Steps:

  1. Verify your eligibility on acag.punjab.gov.pk
  2. Gather your CNIC, land registry, and income proof
  3. Apply online — or call 0800-09100 for assistance
  4. Never pay an agent or third party

Have you applied for the Apni Chhat Apna Ghar Scheme? Share your experience, balloting wait time, or document tips in the comments below — your insight could help thousands of fellow applicants navigate the process.

Sources & References

[1] Government of the Punjab — Apni Chhat Apna Ghar Program (official portal). https://punjab.gov.pk/apni-chhat-apna-ghar

[2] Dawn — “Apni Chhat Apna Ghar: A roof of hope for millions in Punjab” (Branded Content), November 2025. https://www.dawn.com/news/1950965

[3] Abb Takk News — “Punjab expands ‘Apni Chhat Apna Ghar’ program with loans for 12,000 poor families”, April 2026. https://abbtakk.tv/punjab-expands-apni-chhat-apna-ghar-rogram-with-loans-for-12000-ore-families/

[4] Government Schemes — “CM Punjab Apna Ghar Scheme”, April 2026 (Bank of Punjab and Akhuwat partnership details). https://governmentschemes.pk/cm-punjab-apna-ghar-scheme/

[5] The Nation — “CM Maryam approves interest-free loans for house expansion”, 24 January 2026. https://www.nation.com.pk/24-Jan-2026/cm-maryam-approves-interest-free-loans-house-expansion

[6] Zameen News — “Apni Chhat, Apna Ghar Scheme”, September 2024 (initial launch terms). https://www.zameen.com/news/apni-chhat-apna-ghar-scheme.html

[7] Government of the Punjab — Citizen Registration Form. https://acag.punjab.gov.pk/Layouts/Registration.aspx

[8] Punjab Information Technology Board (PITB) — “DG PHATA Visits PITB’s Citizen Contact Center” (helpline verification). https://pitb.gov.pk/node/10263

[9] The Express Tribune — “‘Apni Chhat Apna Ghar’ programme provides interest-free loans to thousands”, 8 November 2025. https://tribune.com.pk/story/2576478/apni-chhat-apna-ghar-programme-provides-interest-free-loans-to-thousands

[10] Chief Minister’s Special Monitoring Unit (SMU), Punjab — Apni Chhat Apna Ghar Program. https://smu.punjab.gov.pk/apni-chhat-apna-ghar-program

Disclaimer

This article is for general informational purposes only and does not constitute legal, financial, or government advisory guidance. All figures, eligibility criteria, loan amounts, and program details mentioned above were verified against publicly available sources at the time of writing (May 2026). Government schemes in Pakistan — including Apni Chhat Apna Ghar — are subject to change at any time through policy updates, budget revisions, or administrative decisions.

Disbursement figures and progress numbers cited from news sources reflect specific reporting dates and do not represent real-time program status. Loan terms, balloting schedules, and eligibility may differ for individual applicants based on district, application phase, and verification outcomes.

Before applying or making any financial decision based on the information in this article, readers are strongly advised to:

The author and publisher are not affiliated with the Government of Punjab, PHATA, or any partnering financial institution, and assume no responsibility for any losses, delays, or rejections resulting from applications made on the basis of this article. Beware of fraudulent agents, fake websites, and unauthorized representatives charging fees — applying for ACAG is free at every step.

The Multan Dealer Boom: How the City Got 5,000 New Property Offices in Six Years — and What It Broke

By Zamai Property Partners · May 2026 · 6 min read

Between 2020 and 2026, something unusual happened in Multan’s real estate market. If you spent any time on Bosan Road, Northern Bypass, or around the expanding commercial strips near DHA Multan, you would have noticed it almost immediately. Property offices seemed to appear overnight. What was once a business dominated by a relatively small circle of established agencies suddenly became crowded with consultants, brokers, freelancers, social media agents, and self-styled real estate advisors. In just a few years, property dealing in Multan shifted from a specialised profession into something that almost anyone seemed willing to try.

A decade ago, the local property market felt much smaller and far more predictable. Buyers generally knew the names of serious agencies, and most transactions happened through offices with established reputations. Many firms had been operating for years, sometimes generations, and trust played a major role in how business was conducted. That landscape has changed dramatically. Today, a polished office is no longer the standard marker of credibility. Some dealers operate from commercial plazas, others from shared desks, and some have no physical office at all, relying entirely on WhatsApp, Facebook, or YouTube to attract clients.

The turning point was 2020. COVID disrupted traditional businesses and pushed many people to look for alternative income sources. At the same time, Pakistan’s construction sector incentives created renewed excitement around real estate investment. Multan happened to be well positioned for that wave. DHA Multan was beginning to show real development progress, the M-5 Motorway improved connectivity, overseas remittances remained strong, and multiple housing schemes were launching aggressively. For many people, real estate looked like the easiest opportunity available, and property dealing became the preferred entry point.

What followed was not gradual growth but a rapid explosion. People who had never worked in real estate began facilitating small deals, earning commissions, and deciding to stay in the business. Informal brokers emerged everywhere—friends connecting buyers to sellers, part-time consultants chasing leads, and newcomers trying to build credibility through social media. The barriers to entry were almost non-existent. A smartphone, confidence, and a few property videos were often enough to start appearing legitimate.

Social media accelerated the transformation. Before this period, property sales in Multan were largely relationship-based, with trust built through personal connections and local reputation. After 2020, visibility became the new currency. Younger dealers embraced YouTube walkthroughs, TikTok clips, drone footage, and Facebook marketing far faster than traditional firms. Suddenly, a person sitting in Multan could generate inquiries from Karachi, Lahore, Dubai, Toronto, or Birmingham without ever meeting a client face to face. In many cases, digital presence began to replace professional credentials in the minds of buyers.

To be fair, not all of this change was negative. The newer generation brought energy and modern marketing practices to a market that had often felt outdated. Presentation standards improved. Response times became faster. Multan’s property sector gained wider visibility, especially among overseas Pakistanis. But the same accessibility that encouraged innovation also lowered standards. When anyone can enter a profession overnight without training, licensing, or accountability, the quality of market participants inevitably becomes inconsistent.

By late 2021 and into 2022, the market felt unstoppable. Plot prices were rising, investors were flipping files quickly, and new housing projects kept entering the conversation. Confidence was high, perhaps unrealistically so. In such an environment, people stop asking whether prices are sustainable and start assuming growth will continue indefinitely. That mindset fed the dealer boom, because when everyone believes transactions will keep happening, everyone wants a share of the commissions.

The correction, when it came, was harsh. Rising interest rates, inflation, higher construction costs, tax pressures, and weakening speculative confidence slowed the market significantly. The easy-money phase ended, and the difference between genuine businesses and temporary operators became obvious. Established firms survived because they had systems, repeat clients, and reputations to protect. Informal operators often vanished just as quickly as they had appeared. Buyers who had trusted branding or aggressive sales pitches discovered that some “agencies” were little more than short-term setups.

Perhaps the biggest damage was not purely financial, but reputational. Trust in the profession took a major hit. When buyers repeatedly encounter exaggerated claims, manipulated pricing, unclear approvals, or disappearing agents, they become sceptical of everyone—including honest professionals. That trust deficit still affects the market today. Serious agencies continue to operate responsibly, but suspicion has become a natural starting point for many buyers.

The rapid expansion of loosely regulated selling also created opportunities for poor-quality or questionable projects to gain traction. Buyers often assumed that if multiple dealers were promoting a scheme, it must be credible. That assumption proved costly in many cases. Approval status, possession claims, and development timelines became areas where buyers needed far more caution than many initially realised.

By 2026, the market feels more grounded. It is no longer driven by the same speculative enthusiasm, but it is not collapsing either. Real development activity in stronger projects has helped restore some confidence. DHA Multan’s possession sectors show actual residential construction, educational institutions are contributing to end-user demand, and investors appear more selective than they were during the peak years. That is a healthier environment overall.

Still, the dealer overhang remains. Many individuals who entered the market during the boom are still active, competing for fewer transactions in a more cautious environment. That pressure can encourage shortcuts, aggressive selling, or misleading positioning. Buyers today need to be far more deliberate than those who entered during the hype cycle.

The Multan dealer boom left behind a mixed legacy. It modernised marketing, created employment, expanded visibility, and brought fresh energy into the city’s real estate sector. But it also increased noise, weakened trust, and made it harder for ordinary buyers to distinguish between professionals and opportunists. Both realities exist at the same time.

The most practical lesson for buyers remains simple: verify the person, not just the project. A professional-looking social media page is not proof of credibility. Ask questions, visit offices, cross-check approvals, compare rates, and be cautious of urgency-driven sales tactics. In today’s market, patience is often more valuable than speed.

At Zamai Property Partners, we believe real estate should be transparent, documented, and professionally handled. Whether you are buying, selling, or simply trying to understand where the market stands, informed decisions matter more than ever.

How to Buy a Plot in Multan — What Nobody Tells First-Time Buyers

Buying property in Multan for the first time? Before you sign anything, read this. We cover everything from choosing the right area to verifying documents — so you don’t lose your hard-earned money.

Content:

Let me be straightforward with you. Multan’s property market is full of opportunity, but it is also full of people who will take advantage of a buyer who does not know what they are doing.

According to Punjab Land Records Authority (PLRA) data, over 47,000 property transactions were registered in Multan district in 2024, a 23% jump from 2021. More buyers, more transactions, and unfortunately, more disputes. Property fraud cases in Punjab rose by 18% between 2022 and 2024, with Multan among the top five affected districts.

The good news is that most of these problems are completely avoidable.

Fix Your Budget Before You Look at Anything

Sellers and agents want you to fall in love with a plot first and figure out the money later. Do not do that.

As of early 2025, here is where Multan plot prices generally stand. A 5 Marla plot runs between PKR 35 and 80 lakh. A 10 Marla plot falls somewhere between PKR 70 lakh and 1.8 crore. A 1 Kanal plot starts around PKR 1.5 crore and goes well above 4 crore depending on location.

These numbers shift based on area, road width, corner position, and whether utilities are connected. But the bigger issue most buyers miss is what comes on top of the plot price. Stamp duty is 3% of the property value. Registration fee is another 1%. If you are a non-filer, CVT adds 2% more. Agent commission is typically around 1%, and development charges vary by scheme.

In total, add 8 to 10% on top of whatever price you agree on. If you have not budgeted for this, you will have a serious problem on registry day.

Know Why You Are Buying

This sounds obvious but most buyers skip it, and it costs them.

If you are buying to live there, your priorities should be sewerage, gas connection status, distance from main roads, and schools nearby. A plot that is cheap because it has no gas line or sits on a narrow gali will affect your quality of life every single day.

If you are buying as an investment, look at areas that are still developing but have clear growth indicators such as nearby government projects, new road infrastructure, or proximity to an established scheme. Over the past three years, areas along Northern Bypass and adjacent to DHA Multan have shown consistent price appreciation. Mature areas like Model Town and Gulgasht offer stability but lower upside.

Neither approach is wrong. But mixing them up is where people get stuck.

Documents — This Is Where Most Buyers Get Hurt

Do not let anyone rush you through this part.

The most important document is the Fard. It confirms who the legal owner of the property is right now. Get it fresh from PLRA, either at their office or online at plra.punjab.gov.pk. A Fard is only valid for 15 days, so make sure yours is recent. If a seller hands you an old Fard, that is a red flag worth taking seriously.

The previous sale deed shows you the chain of ownership. Check that the name of the current seller matches exactly with what is on the Fard. Even a minor spelling difference can cause problems at the sub-registrar office.

If the plot is in a private housing scheme, it must have a No Objection Certificate from the Multan Development Authority. Many schemes in and around Multan operate without one. Buying in an unapproved scheme is a risk most buyers only understand after something goes wrong.

The Khasra and Khatoni numbers are the official land identification numbers. Cross-check them against the PLRA online record yourself. Do not just take the agent’s word for it.

An Encumbrance Certificate confirms there is no loan, lien, or legal dispute against the property. Your lawyer can get this from the sub-registrar office. It costs very little and takes a day or two. It is worth it.

Visit the Plot More Than Once

A location pin and a few photographs tell you almost nothing.

Go to the plot yourself. Bring a measuring tape or hire a local surveyor. It costs PKR 2,000 to 3,000 and confirms the plot dimensions match the documents. Check whether boundary markers are in place or if a neighboring structure is encroaching on the land.

Visit at different times of day. Walk around the area. Talk to people who live nearby. They will tell you things no agent ever will, whether it is water supply issues, flooding during monsoon, or disputes with the scheme developer.

Negotiate Without Showing Your Hand

In Multan, the asking price is a starting point, not a final number. Most sellers leave a 5 to 15% gap for negotiation.

Before you make any offer, research what similar plots in the same area have recently sold for. When you sit down to negotiate, point to specifics like an unpaved access road, no gas connection, or distance from the main road as reasons to go lower. These are legitimate factors and sellers know it.

The biggest mistake in negotiation is letting the other side know you have already decided. Once they sense urgency, the price stops moving.

Token Money — Get Everything in Writing

Once you agree on a price, token money locks the deal and takes the plot off the market. This is usually 2 to 5% of the total price.

Whatever you pay, get a written receipt immediately. It should include the exact amount, the date, the plot details, a deadline for completing the transfer, and the seller’s CNIC number. Also agree in writing on what happens if either side backs out. Pay by cheque or bank transfer. For large amounts, cash creates problems later when you need a paper trail.

Registry Day

The final transfer happens at the sub-registrar office. Both buyer and seller must be there in person with original CNICs. Bring a fresh Fard not older than 15 days, the original previous registry, both parties’ original CNICs, two witnesses with their CNICs, and stamp paper of the correct value based on the property price.

Once the registry is done, collect your original document and keep it somewhere safe. Scan it and store a digital copy as well.

What Catches Buyers Off Guard

Buying in an unapproved scheme because it was cheaper. Paying the full amount before registry is complete. Trusting one agent completely instead of verifying independently. Skipping a lawyer to save PKR 10,000 and then spending ten times that fixing a problem later. Not asking about the area’s flooding history, which matters more than most buyers expect in parts of Multan.

None of these mistakes are unusual. They happen to careful people every year. The only real protection is slowing down and checking everything yourself.

Property in Multan is a genuine opportunity right now. Prices have risen but demand continues to grow, from within the city and from overseas Pakistanis. The buyers who do well here are not the ones who move fastest. They are the ones who know what they are looking at.

At Zamai, every property goes through verification before listing, and our auction model means you see real bids in real time with no guessing what someone else paid. If you have questions about a specific area or property, reach out.