Punjab Chief Minister (CM) Maryam Nawaz recently shared detailed information about the “Apni Chhat, Apna Ghar” (ACAG) program. This initiative, aimed at providing affordable housing to the residents of Punjab, has been updated and is making headlines.

Key Updates from Maryam Nawaz on the ACAG Program
Maryam Nawaz met with Dr. Amjad Saqib, the founder and chairman of the Akhuwat Foundation. During the meeting, Dr. Saqib praised Maryam Nawaz for her efforts in providing relief on electricity bills and launching the ACAG program. In response, Maryam Nawaz commended Akhuwat’s social services and highlighted key aspects of the Apni Chhat, Apna Ghar program:
- Affordable Housing Initiative: The ACAG program is designed to help low-income individuals achieve their dream of owning a home.
- Interest-Free Housing: This program is set to be Pakistan’s first major interest-free housing project.
- Phased Implementation: The program will be launched in three phases, targeting different areas across Punjab.
Also Read: 5 Steps of Apni Chhat Apna Ghar Program Loan Scheme
Phases of the Apni Chhat, Apna Ghar Program
The Apni Chhat, Apna Ghar program is structured to provide housing solutions across rural areas, urban areas, and major cities:
- Rural Areas:
- Loan Amount: Up to PKR 1.5 million
- House Size: Up to 10 marlas
- Repayment: Monthly installments of PKR 14,000
- Urban Areas:
- Loan Amount: Up to PKR 1.5 million
- House Size: Up to 5 marlas
- Repayment: Monthly installments of PKR 14,000
- Major Cities:
- Housing Type: Four-story flats on government land
- Allocation: Through a lottery system
- Repayment: Easy monthly installments
Additionally, private housing schemes will offer homes ranging from 3 to 5 marlas. The government will provide a subsidy of up to PKR 1 million per house to make these homes more affordable.
Objectives of the ACAG Program
The primary goal of the ACAG program is to provide housing for financially vulnerable groups. Maryam Nawaz emphasized the government’s commitment to improving living standards through this initiative:
- Subsidies: The government will offer subsidies to make homeownership more accessible.
- Sustainable Housing: The focus will be on constructing sustainable and eco-friendly homes.
- Employment Opportunities: The program is expected to create millions of jobs, contributing to the economic growth of the region.
ACAG Program Phases and Benefits
Area | Loan Amount | House Size | Repayment | Additional Features |
---|---|---|---|---|
Rural Areas | PKR 1.5 million | Up to 10 marlas | PKR 14,000 monthly | Interest-free loans |
Urban Areas | PKR 1.5 million | Up to 5 marlas | PKR 14,000 monthly | Interest-free loans |
Major Cities | N/A | Four-story flats | Easy monthly installments | Allocated through a lottery |
Private Housing Schemes | Up to PKR 1 million subsidy per house | 3 to 5 marlas | Varies | Government subsidy provided |
Conclusion
The ACAG program, as detailed by CM Maryam Nawaz, is a groundbreaking initiative aimed at addressing the housing needs of Punjab’s residents. With a focus on affordability, sustainability, and employment creation, this program is set to make a significant impact on the lives of many.