Last updated: September 23, 2026
The Apna Ghar Scheme 2026 Pakistan, officially called the Wazir-e-Azam Apna Ghar Program — Ghar Ho Tu Apna, is a federal affordable-housing finance initiative for eligible first-time homebuyers. Under the current scheme, applicants may seek financing of up to PKR 10 million for buying a house or flat, constructing a home on an owned plot, or purchasing a plot together with construction.
The customer pricing is 5% for the first 10 years, the maximum financing tenure is 20 years, and the standard financing structure allows up to 90% financing with at least 10% customer equity. Final eligibility, financing amount and approval remain subject to the participating bank's assessment.
Short answer: A Pakistani first-time homebuyer who holds a valid CNIC and does not own a housing unit may apply. Overseas Pakistanis holding a valid NICOP or POC may also apply. The maximum loan is PKR 10 million, but approval depends on income, existing financial obligations, credit assessment and property verification.
Apna Ghar Scheme 2026 at a Glance
Feature Current scheme details Official name Wazir-e-Azam Apna Ghar Program — Ghar Ho Tu Apna Target applicant Eligible first-time homebuyer who does not own a housing unit Maximum financing Up to PKR 10 million Customer pricing 5% per year for the first 10 years Maximum tenure Up to 20 years; government subsidy applies for the first 10 years Customer contribution Minimum 10% under a 90:10 LTV structure Eligible house size Up to 10 Marla or 2,720 sq. ft. Eligible flat size Up to 1,500 sq. ft. Eligible purposes House/flat purchase, construction on an owned plot, or plot purchase with construction Processing fee No scheme processing cost Early repayment No prepayment penalty under the scheme Institutions Commercial banks, Islamic banks, microfinance banks and HBFCL/HBFC Official application portal apnaghar.gov.pk
The current loan cap, housing-unit sizes and 5% customer pricing were published by the State Bank of Pakistan. The Ministry of Housing and Works also confirms the eligible financing purposes, 90:10 LTV structure, tenure and participating institutions.
What Is New in the Apna Ghar Program in 2026?
The program began under the name Mera Ghar–Mera Ashiana and was renamed Wazir-e-Azam Apna Ghar Program — Ghar Ho Tu Apna in April 2026.
Important updates introduced during 2026 include:
Overseas Pakistanis can apply: Non-Resident Pakistanis holding a valid NICOP or POC were added to the program.
Informal-income applicants can be assessed: Participating institutions may use approved income-estimation or proxy models where formal salary evidence is unavailable.
Faster credit decisions: For a complete application, banks and HBFCL have been directed not to take more than 15 working days for the credit-approval stage.
Latest eligibility clarification: According to an SBP circular dated September 14, 2026, employees of banks, DFIs and microfinance banks are not eligible to obtain financing under the program from the participating financial sector.
The official portal reported 143,404 applications received, 47,401 approved applications and PKR 289.588 billion in approved financing as of August 21, 2026, showing substantial demand for the program. Application and disbursement totals may change as the portal is updated.
Who Is Eligible for the Apna Ghar Scheme 2026?
You may be eligible to apply if you meet the following basic conditions:
You are a Pakistani citizen holding a valid CNIC.
You are a first-time homebuyer.
You do not already own a house, flat or other housing unit in your name.
You can provide the required customer contribution and demonstrate repayment capacity.
Your proposed property and financing purpose fall within the scheme's limits.
Overseas Pakistanis and Non-Resident Pakistanis may apply with a valid NICOP or POC, according to the SBP multi-channel implementation update.
Is There a Minimum Salary Requirement?
The government scheme does not prescribe one universal minimum salary for every institution. Participating banks may set their own minimum income, age, employment-history and documentation requirements.
However, the total monthly payments on the proposed home finance plus other consumer debts should not exceed 65% of the applicant's net disposable income. This is the Debt Burden Ratio requirement stated in the SBP implementation circular. A bank may use a stricter affordability test.
Can Self-Employed or Informal-Income Applicants Apply?
Yes. Salaried and self-employed applicants may apply, subject to a participating institution's criteria. SBP has also instructed institutions to use approved informal-income estimation models for applicants whose income is not fully documented through a conventional salary record. Applicants may still need bank statements, business evidence, utility records or other supporting documents requested by the institution.
Which Properties Can Be Financed?
Financing may be used for:
Purchasing a completed house or flat.
Constructing a house on a plot already owned by the applicant.
Purchasing a residential plot together with construction of a house.
Eligible private developer-led housing projects offered through participating institutions.
A plot-only purchase without construction is not covered by the stated scope of the scheme.
The property must remain within these size limits:
House: up to 10 Marla or 2,720 sq. ft.
Flat/apartment: up to 1,500 sq. ft.
Applicants looking for a suitable home can explore houses for sale in Pakistan, including current listings in Lahore, Karachi and Islamabad. If you are considering plot-plus-construction financing, browse plots for sale in Pakistan and confirm the property's legal and financing eligibility with the chosen institution before paying any amount.
Apna Ghar Loan Amount, Down Payment and Monthly Installments
The maximum available financing is PKR 10 million. Under a 90:10 LTV structure, the institution can finance up to 90% of an eligible property's assessed value, while the applicant provides at least 10% as equity.
The following examples estimate the initial monthly payment at a 5% annual rate over a 20-year amortisation period:
Financing amount Illustrative property value at 90% LTV Minimum 10% equity Estimated initial monthly payment PKR 2,000,000 PKR 2,222,222 PKR 222,222 PKR 13,200 PKR 3,500,000 PKR 3,888,889 PKR 388,889 PKR 23,100 PKR 5,000,000 PKR 5,555,556 PKR 555,556 PKR 33,000 PKR 7,500,000 PKR 8,333,333 PKR 833,333 PKR 49,500 PKR 10,000,000 PKR 11,111,111 PKR 1,111,111 PKR 66,000
Calculation note: These are indicative estimates, not financing quotations. They assume monthly reducing-balance payments, a 5% annual customer rate and a 20-year schedule. The subsidised 5% customer rate applies for the first 10 years. Pricing and installments after the subsidy period may change in line with the scheme and the institution's applicable terms, including the prevailing one-year KIBOR plus the permitted spread. Insurance, legal, valuation, registration and other third-party costs are not included. A buyer may contribute more than 10%.
For another estimate, use the ilaan.com mortgage calculator, then obtain an official repayment schedule from the selected institution before making a decision.
Documents Commonly Required
The exact document checklist varies by institution and financing purpose. Applicants should generally prepare:
Recent photograph.
Valid CNIC, or NICOP/POC for an eligible overseas applicant.
Active mobile number and contact details.
Recent salary slip, employment letter and bank statements for salaried applicants.
Business proof, account statements and supporting income records for self-employed applicants.
Co-applicant identification and income documents, where joint income is used.
Plot or property title documents, allotment/transfer documents and approved plans where applicable.
Sale agreement or seller/property information requested for purchase financing.
Property documents differ across revenue authorities, development authorities and housing societies. Always follow the final checklist issued by the selected institution.
How to Apply for the Apna Ghar Scheme Online
Step 1: Check Your Basic Eligibility
Confirm that you are a first-time homebuyer, do not own a housing unit and hold a valid CNIC, NICOP or POC.
Step 2: Estimate Your Affordable Financing
Calculate your available down payment and a realistic monthly payment. Include existing loan and credit-card obligations because these affect your Debt Burden Ratio.
Step 3: Choose the Financing Purpose
Select one of the covered purposes: house/flat purchase, construction on an owned plot, or plot purchase with construction.
Step 4: Register on the Official Portal
Visit the official Wazir-e-Azam Apna Ghar portal, create an account, log in, complete the financing application and submit the required information. Applicants may also approach a participating commercial bank, Islamic bank, microfinance bank or HBFCL/HBFC.
Step 5: Submit Income and Identification Documents
Upload or provide all requested documents. Missing or inconsistent information can delay the credit decision.
Step 6: Complete the Bank's Assessment
The institution will assess income, existing obligations, credit history and repayment capacity. Under SBP's current facilitation rules, the credit-approval stage should take no more than 15 working days after a complete application is received.
Step 7: Complete Property Verification and Valuation
The lender will check the title and legal status of the property. For a property valued above PKR 5 million, the assessment must involve at least one valuer from the Pakistan Banks' Association-approved panel. Legal review, valuation and transfer requirements can extend the overall process beyond the credit-approval period.
Step 8: Review the Offer Before Accepting
Read the financing amount, customer contribution, monthly payment, post-subsidy pricing, insurance, default terms and disbursement conditions. Accept only after you understand the full repayment obligation.
Apna Ghar vs Apni Chhat Apna Ghar: What Is the Difference?
These are different programs and should not be confused.
Program Main distinction Wazir-e-Azam Apna Ghar Program — Ghar Ho Tu Apna Federal subsidised housing-finance program available through participating institutions across Pakistan. Apni Chhat Apna Ghar A separate Punjab Government housing initiative with its own portal, categories and eligibility rules.
Applicants should use apnaghar.gov.pk for the federal program. Information about the Punjab initiative is available on the official Apni Chhat Apna Ghar portal.
Common Reasons an Application May Be Delayed or Declined
The applicant already owns a housing unit.
Income cannot support the proposed payment under the institution's assessment.
Existing loan obligations make the Debt Burden Ratio too high.
CNIC, income or employment information is incomplete or inconsistent.
The property exceeds the permitted size or has unclear title documents.
The application is for a plot without construction.
The property valuation is lower than the agreed purchase price.
The applicant does not meet the institution's credit, age or employment criteria.
Frequently Asked Questions
What is the maximum loan under the Apna Ghar Scheme 2026?
The maximum financing amount is PKR 10 million, subject to the applicant's repayment capacity, property value and the participating institution's approval.
What is the estimated installment for a PKR 10 million loan?
At a 5% annual rate and a 20-year amortisation schedule, the indicative initial monthly payment is approximately PKR 66,000. This is an estimate; the official schedule may differ, and pricing can change after the first 10 years.
Is the 5% rate available for all 20 years?
No. The current scheme provides 5% customer pricing during the first 10 years. For any remaining tenure, the applicable pricing may be linked to the prevailing one-year KIBOR plus the permitted bank spread. Confirm the post-subsidy terms in the financing offer.
Can an Overseas Pakistani apply?
Yes. Overseas and Non-Resident Pakistanis holding a valid NICOP or POC may apply, subject to the participating institution's documentation and underwriting requirements.
Can I buy only a plot under the scheme?
No. The scheme covers plot purchase together with house construction. A standalone plot purchase is not listed as an eligible purpose.
Can a self-employed person apply?
Yes. Self-employed applicants may apply. Participating institutions may also use approved informal-income estimation models, but applicants must still demonstrate repayment capacity.
Which banks offer the Apna Ghar Program?
The scheme is available through commercial banks, Islamic banks, microfinance banks and HBFCL/HBFC. Product availability, minimum income, age limits and documentation may vary by institution.
Are employees of participating banks eligible?
Under SBP's September 14, 2026 clarification, employees of banks, DFIs and microfinance banks are not eligible to obtain financing under this program.
Does ilaan.com approve or provide the loan?
No. ilaan.com is a property platform, not a lender or government authority. Financing applications and approvals are handled by the official portal and participating financial institutions.
Find a Suitable Property on ilaan.com
Before selecting a property, compare its location, size, asking price, title status and financing eligibility. Explore properties for sale in Pakistan and speak directly with verified property owners wherever the relevant listing status is available.
If you own a suitable property, you can list your property on ilaan.com and reach serious buyers looking for homes across Pakistan.
Important: A listing on ilaan.com does not automatically make a property eligible for Apna Ghar financing. Always obtain independent legal verification and written confirmation from the participating institution.
Official References
State Bank of Pakistan — revised scheme features, March 17, 2026
State Bank of Pakistan — implementation facilitation, April 28, 2026
State Bank of Pakistan — overseas applicants and multi-channel strategy, June 15, 2026
State Bank of Pakistan — informal-income estimation, June 17, 2026
State Bank of Pakistan — employee ineligibility clarification, September 14, 2026
Editorial Disclaimer
This guide is for general information and was updated on September 23, 2026. Scheme rules, participating institutions, lending criteria and pricing may change. Confirm the latest details through the official portal, SBP and your selected institution before applying or committing funds.
