As of May 2026, eligible Pakistani citizens can secure affordable housing finance through the newly launched Wazir-e-Azam Apna Ghar Program, titled ‘Ghar Ho Tu Apna’. The government designed this initiative to help people buy or build their own homes. Applicants can easily submit their details through a dedicated online portal.
Financing Limits & Key Terms
The scheme provides applicants with financing up to Rs. 10 million. The government structured the available funds into four specific slabs: Rs. 2.5 million, Rs. 5 million, Rs. 7.5 million, and Rs. 10 million. You can utilize this loan to purchase a ready-made house or flat. Additionally, you can buy a plot and construct a new house. Alternatively, you can use the funds to build a house on a plot you already own.
The maximum loan tenure stretches up to 20 years. Importantly, the government fixed the markup rate at 5% for the first 10 years. After this initial decade, the prevailing standard banking rates will apply to the remaining tenure.
Applicants must provide a minimum equity contribution of 10%. For example, if you request Rs. 5 million, you must arrange Rs. 500,000 yourself. The bank will finance the remaining Rs. 4.5 million. You can also contribute a higher percentage to lower your total loan burden. Furthermore, the program charges absolutely zero processing fees. Banks will also not penalize you for early payments. Therefore, you must never pay any unofficial advance charges to anyone prior to loan approval. Commercial banks, Islamic banks, microfinance banks, and the House Building Finance Corporation all participate in this nationwide scheme.
Who is Eligible for Apna Ghar Program?
You must be a Pakistani citizen holding a valid CNIC to qualify. Furthermore, you must be a first-time homeowner. This means you cannot already have a housing unit registered in your name. Additionally, you must not have taken a loan or received benefits from any other government housing scheme.
The program remains open to a wide variety of income streams. Salaried professionals, business owners, freelancers, and individuals relying on informal income sources can all apply.
Step-by-Step Application Guide
- Access the Portal: First, visit the official website at apnaghar.gov.pk. Click ‘Create Account’ and enter your name, CNIC, mobile number, email, and password.
- Log In: Next, sign in using your CNIC and password. Read the portal instructions carefully and click ‘Apply Now’.
- Select Categories: Choose your exact income category. You must select between Salaried Person, Business Income, or Informal/Other income.
- Enter Details: Input your preferred bank, branch name, and city. Salaried individuals should use their active salary account. Provide your exact net monthly income (after taxes and deductions).
- Set Financing Goals: Select the exact purpose of your loan and the total amount you need. Enter your equity contribution percentage, the property city, and your preferred repayment tenure.
- Provide Personal Information: Fill out your personal identity details, current residence status, and exact mailing addresses. If you have a co-applicant, select ‘Yes’ and provide their information. You must also add details for a guarantor.
- Upload Documents: Upload clear PDF or JPG copies of your documents. The portal requires your CNIC (front and back), a recent photograph, employment certificates, salary slips, a six-month bank statement, an account maintenance certificate, and your next of kin’s CNIC.
- Submit: Finally, review your entire application to ensure absolute accuracy. Tick the confirmation box and click ‘Submit Application’.
