Wazir-e-Azam Apna Ghar Scheme 2026 is a government-supported housing finance program that helps eligible Pakistani citizens buy or build a home through subsidized bank loans. Under the scheme, applicants can get financing up to Rs 10 million at a reduced markup rate, subject to eligibility and bank approval.
The scheme is also widely known by its tagline, “Ghar Ho Tu Apna” (a home should be your own), and is sometimes written as PM Apna Ghar Program or Apna Ghar Program 2026. It targets low- and middle-income households who do not currently own a residential property and cannot afford a house at standard commercial lending rates, which have historically run well above 20%.
Wazir-e-Azam Apna Ghar Scheme 2026
| Detail | Information |
|---|---|
| Launched | 30 April 2026, by PM Shehbaz Sharif |
| Total scheme size | Rs 3.2 trillion, targeting 500,000 homes over 5 years |
| Year 1 target (2026) | 50,000 houses, Rs 321 billion |
| Maximum loan amount | Up to Rs 10 million (1 crore) |
| Financing ratio | 90:10 — bank finances 90%, applicant contributes 10% equity |
| Markup rate | 5% fixed for the first 10 years; then 1-year KIBOR + 3% for the remaining tenure |
| Loan tenure | Up to 20 years |
| Property covered | House or apartment (up to roughly 10 Marla / 1,500 sq ft), or a residential plot for construction |
| Official portal | apnaghar.gov.pk |
| Regulator | State Bank of Pakistan (SBP) |
Who Is Eligible for the Apna Ghar Scheme?
To apply for the Wazir-e-Azam Apna Ghar Scheme, an applicant generally needs to meet the following conditions:
- Be a Pakistani citizen holding a valid CNIC
- Not currently own any residential property anywhere in Pakistan (the scheme is aimed at genuine first-time home buyers)
- Have a stable, verifiable source of income — salaried, self-employed, or small business
- Have a clean credit history with no record of loan default
- Be able to contribute the 10% equity share of the property’s value
Some sources report an applicant age window of roughly 25 to 60 years for salaried individuals (up to 65 for self-employed applicants), though this specific age band is not confirmed on the scheme’s official communications at the time of writing, so treat it as indicative rather than final. Individual banks may also apply their own internal credit and income-verification criteria on top of the scheme’s baseline rules, so two applicants who both meet the federal eligibility criteria could still see different outcomes depending on which bank processes their file.
How Wazir-e-Azam Apna Ghar Scheme 2026 Financing Works
Markup Rate and Loan Tenure
The core benefit of the scheme is the subsidized markup. Instead of paying a full market interest rate, approved borrowers pay a fixed 5% markup for the first 10 years of the loan. The government covers the difference between this 5% customer rate and the actual bank lending rate during that period. From year 11 onward, the rate shifts to a market-linked formula — 1-year KIBOR plus 3% — for the remainder of the 20-year tenure.
According to the Ministry of Housing & Works, banks are also not permitted to charge a processing fee or a prepayment penalty under the scheme, and the government separately provides a first-loss risk-sharing guarantee covering 10% of each bank’s outstanding portfolio under the program, which is designed to encourage banks to lend to applicants who might not otherwise qualify for a conventional mortgage.
How Much You Can Borrow
Financing is available up to Rs 10 million, structured on a 90:10 loan-to-value basis. That means the bank finances 90% of the approved property value, while the applicant is responsible for arranging the remaining 10% as upfront equity. The financing can be used to purchase a ready house or apartment, or to construct a house on a plot you already own or are purchasing, subject to the bank’s technical evaluation of the construction plan.
Sample Monthly Installment
For illustration only — not an official quote — a Rs 10 million loan at a 5% fixed markup over a 20-year tenure works out to an approximate monthly installment in the range of Rs 65,000–66,000 during the subsidized first 10 years, based on standard mortgage amortization math. Your actual installment will depend on the loan amount you’re approved for, the specific bank’s terms, and any applicable insurance or takaful charges. Use your bank’s own loan calculator, or the calculator on the official apnaghar.gov.pk portal, before making a decision.
Required Documents For Wazir-e-Azam Apna Ghar Scheme
While each bank may ask for minor additions, the core document checklist across the scheme typically includes:
- Valid CNIC (original and copy)
- Proof of income — salary slips or employer letter for salaried applicants; business registration, bank statements, or tax returns for self-employed applicants
- Bank statements for the last 6–12 months
- Property documents (sale deed, allotment letter, or construction plan, as applicable)
- Passport-size photographs
- Undertaking/affidavit confirming you do not own any other residential property
Keeping these documents accurate and consistent with your NADRA record is one of the most common approval factors banks cite, since mismatched details are a frequent cause of processing delays.
How to Apply for the Apna Ghar Scheme Online
- Visit the official portal. Go to apnaghar.gov.pk — this is the only official website for the federal scheme.
- Create an account. Register using your CNIC number and an active mobile number for OTP verification.
- Complete the application form. Fill in your personal details, income information, and the property or construction details for which you’re seeking financing.
- Upload your documents. Attach scanned copies of your CNIC, income proof, bank statements, and property documents.
- Select a participating bank. Choose from the list of banks offering the scheme; you can compare terms before confirming.
- Submit and track. Once submitted, your chosen bank reviews your financial profile and verifies the property. You can track status through your portal account or directly with the bank.
There is no government fee to register or apply on the official portal.
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Wazir-e-Azam Apna Ghar Scheme 2026 Participating Banks and Financing Partners
The scheme is distributed through a network of commercial banks, Islamic banks, and the House Building Finance Company (HBFCL), all operating under State Bank of Pakistan guidelines.
| Bank | Type |
|---|---|
| Habib Bank Limited (HBL) | Commercial |
| United Bank Limited (UBL) | Commercial |
| MCB Bank | Commercial |
| Meezan Bank | Islamic |
| Bank Alfalah | Commercial |
| Bank Al Habib | Commercial |
| Allied Bank | Commercial |
| Askari Bank | Commercial |
| House Building Finance Company (HBFCL) | Specialized housing finance |
📌 Note: Bank participation and internal lending policies can change. Confirm the current list and each bank’s specific requirements directly on apnaghar.gov.pk, or by contacting the bank’s housing finance desk, before applying.
Official Website vs Fake Apna Ghar Websites
Because the scheme has generated heavy search interest, a large number of unofficial websites — using similar names and domains — have appeared alongside the real portal, some carrying outdated or inaccurate information, and a few bundling unrelated advertising or even gambling content. The only official federal portal is apnaghar.gov.pk. The scheme does not charge a registration fee, and no genuine government representative will ask for payment to “guarantee” approval or speed up processing. If you’re contacted by anyone demanding money or your CNIC details outside the official portal, don’t proceed — you can report suspected fraud to the FIA’s Cybercrime Wing (NR3C) helpline at 1991.
Common Reasons Applications Get Rejected
- Incomplete or mismatched documentation (details not matching NADRA records)
- Income that doesn’t meet the bank’s debt-repayment capacity requirements
- Existing property ownership discovered during verification
- Poor or undisclosed credit history
- Incomplete or unclear construction plans for self-build applications
How the Apna Ghar Scheme Differs From Earlier Housing Schemes
Pakistan has run federal housing finance initiatives before, including the earlier Mera Pakistan Mera Ghar scheme. The Wazir-e-Azam Apna Ghar Scheme is positioned as its successor, with a fixed-rate structure for the first decade of the loan (rather than a rate that could move earlier), a wider participating-bank network, and a dedicated digital portal. It’s a separate program from provincial initiatives such as Punjab’s Apni Chhat Apna Ghar scheme, which has its own eligibility rules and application portal — don’t confuse the two when applying.
What to Do Next
If you don’t already own a home and meet the basic eligibility criteria, the practical next step is to register on apnaghar.gov.pk, gather your documents in advance, and use the portal’s calculator to estimate your installment before approaching a specific bank. Because subsidy-linked financing is generally allocated within annual budget limits, applying early in the fiscal year — rather than waiting — is a sensible approach if you intend to use the scheme.
Frequently Asked Questions
What is the Wazir-e-Azam Apna Ghar Scheme?
It is a government housing finance scheme that provides affordable home loans to eligible first-time buyers.
Who can apply for the Apna Ghar Scheme?
Pakistani citizens with a valid CNIC, no existing residential property, and a stable income can apply.
How much loan can I get?
You can get a housing loan of up to Rs 10 million with a 90:10 financing ratio.
What is the markup rate?
The markup rate is 5% for the first 10 years. After that, it changes according to market rates.
Is there any processing fee?
No, there is no processing fee or prepayment penalty under the scheme.
How can I apply online?
Apply through the official website apnaghar.gov.pk, submit your details, upload documents, and select a bank.
Which banks offer this scheme?
Participating banks include HBL, UBL, MCB, Meezan Bank, Bank Alfalah, Allied Bank, Bank Al Habib, Askari Bank, and HBFCL.
Can overseas Pakistanis apply?
Eligibility for overseas Pakistanis should be confirmed through the official portal.
Is apnaghar.gov.pk the official website?
Yes, apnaghar.gov.pk is the official portal for the scheme.
Is it the same as Punjab’s Apni Chhat Apna Ghar Scheme?
No, both are separate housing programs with different rules.
How long does approval take?
Approval time depends on the bank and document verification process.
What documents are required?
You need your CNIC, income proof, bank statements, property documents, photographs, and required declarations.
