A federal housing finance scheme for first-time home buyers: banks lend up to Rs 10 million at a fixed 5% mar…
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).
Bank financing of up to Rs 10 million (up to 90% of the price) at 5% fixed for 10 years, then the bank's market rate, for up to 20 years. No processing fee and no prepayment penalty.
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
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 you…
051-111-742-111. Apply only on the official portal; registration is free.
Documents, steps, FAQs and the official links on dareecha.pk.