Wazir-e-Azam Apna Ghar Program (Ghar Ho Tu Apna)
وزیرِ اعظم اپنا گھر پروگرام – گھر ہو تو اپنا
Registration open Housing · Checked 29 October 2026
Applications are open through apnaghar.gov.pk and more than 30 participating banks. As of 9 October 2026 the program had received 191.9K applications and approved 75.2K (official portal statistics).
A federal housing finance scheme for first-time home buyers: banks lend up to Rs 10 million at a fixed 5% markup for the first 10 years, repayable over up to 20 years.
Apna Ghar housing loan calculator
See your monthly installment, down payment and whether your income qualifies.
Who can apply
- Pakistani with a valid CNIC (overseas Pakistanis with NICOP through participating banks)
- First-time home buyer: you must not own a housing unit
- House up to 10 marla or apartment up to 1,500 sq ft
- For buying a house or flat, building on your own plot, or buying a plot and building on it
- Income enough to pay the installment under the bank's credit assessment; a co-applicant's income can be added
Who cannot apply
- People who already own a house or flat
- Renovation of an existing house
- A second subsidised loan: one person can use the scheme once, and only one spouse can take it
Documents you need
- Loan application form and the bank's key fact statement
- Copy of CNIC of the applicant and co-applicant, and 2 passport-size colour photographs
- Undertaking that you are a first-time home owner
- Proof of allotment, transfer or title documents of the property
- Salaried: employment letter and salary slip (not older than 60 days) or 6 months' bank statement
- Business: proof of business (NTN, partnership deed or bank certificate) and 6 months' bank statement
How to apply
- Work out your installment and down payment with the Apna Ghar calculator
- Apply online at apnaghar.gov.pk or at a participating bank branch
- Submit your documents and property papers; the bank values the property and checks your income and credit history
- Sign the offer letter; the bank pays the seller or releases construction money in stages
Helpline: 051-111-742-111
Apply only on the official portal. Registration is free; never pay an agent or share your CNIC, PIN or OTP with anyone who calls you.
Questions
How much loan can I get under Apna Ghar?
Up to Rs 10 million, and up to 90% of the property price. You pay at least 10% yourself.
What is the markup rate?
5% fixed for the first 10 years. After that the bank charges its market rate, usually 1-year KIBOR plus a spread.
Who is eligible?
Pakistanis with a valid CNIC who do not own a house, for a house up to 10 marla or an apartment up to 1,500 sq ft.
Is there a processing fee?
No processing fee and no prepayment penalty. Legal, valuation and registration costs are charged at actual.
Where do I apply?
Online at apnaghar.gov.pk or at a participating bank, Islamic bank, microfinance bank or HBFC branch. Helpline 051-111-742-111.
Sources: Wazir-e-Azam Apna Ghar Program (official portal) · State Bank of Pakistan: housing finance. Dareecha is not a government website. Scheme rules change; always confirm on the official portal.
