A Punjab government initiative offering interest free housing loans to help low income families build and own their homes.
The Apni Chhat Apna Ghar (ACAG) initiative, launched by the Punjab government under Chief Minister Maryam Nawaz Sharif, is a large-scale housing programme designed to provide affordable and accessible homeownership opportunities for families across the province. The initiative seeks to bridge Punjab’s growing housing gap by offering interest-free loans that help families build homes on their own land, enabling them to take ownership of their future with stability and dignity.
A home for every family
With nearly half of Pakistan’s population residing in Punjab, access to affordable housing has long been a pressing challenge. Low-income families often struggle to secure formal housing or loans from traditional banks.
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