Wazir-e-Azam Apna Ghar Program

Ghar Ho Tu Apna

Low-cost housing finance | Bring your dream home to life with easy installments

📅 Launched: 30 April 2026 | Prime Minister Shehbaz Sharif

🏡 A historic initiative: Rs 3.2 trillion allocated over 5 years to build 500,000 houses across Pakistan. In the first year (2026), Rs 321 billion reserved for 50,000 families.

This program helps low & middle-income families buy or build their own home, creates thousands of jobs, and strengthens the economy. Prime Minister will personally review progress every month for fast & transparent delivery.

✨ Key Benefits & Loan Features

💰 Loan up to PKR 10 Million (1 Crore) – 90% financing, you pay only 10% equity.

🏠 Property Size House up to 10 Marla (2,720 sq ft) | Flat up to 1,500 sq ft.

📆 Repayment up to 20 years – affordable monthly installments.

📉 Low Markup (Interest) Rate First 10 years: Fixed 5% | Next 10 years: 1Y KIBOR + 0.3%.

✅ Zero Processing Fee + No Prepayment Penalty – pay early without extra cost.

⚡ Fast approval – Banks decide within 15 working days after complete documents.

📋 Who Can Apply? (Eligibility)

Pakistani citizen with valid CNIC (NICOP for overseas Pakistanis).
First-time home owner – No existing house or flat in your name.
Only one person per family can avail this loan.
Salaried employees, government servants, private job holders, or self-employed with verifiable income.
Minimum monthly income ~Rs 50,000 (varies slightly by bank).
Open in all provinces (Punjab, Sindh, KP, Balochistan), Islamabad, GB & AJK.

      🗺️ Scope: Purchase ready house/flat, construct on owned plot, or buy plot + construct – all allowed.
    

📝 How to Apply – Easy Steps

Choose a Participating Bank – NBP, HBL, Standard Chartered (Islamic option), and other commercial/Islamic banks.
Visit Branch or Apply Online – Go to nearest designated desk “Wazir-e-Azam Apna Ghar Program” or fill online form on bank’s website.
Submit Documents – CNIC copy, salary slip/bank statement (income proof), employment letter/business proof.
Bank Verification & Approval – Within 15 working days, bank reviews eligibility, property documents.
Get Loan Disbursal – Use money to buy/construct your Apna Ghar!

🌙 Islamic Banking option available: Standard Chartered Saadiq & other Islamic banks offer Diminishing Musharaka (partnership model) – Shariah compliant, no interest (riba).

📊 Program at a Glance (Official Matrix)

Feature	Details
Eligibility	First-time homeowners, Pakistani CNIC holders, no existing house
Housing Unit Size	House ≤10 Marla / Flat ≤1,500 sq ft
Participating Banks	All commercial, Islamic banks, MFBs & HBFCL
Bank Pricing (Base)	1 Year KIBOR + 3%
Customer Fixed Rate	Flat 5% for first 10 years
Bank Charges	No processing fee \| No prepayment penalty
Loan to Value (LTV)	90% financing (Bank: 90% \| Customer: 10% equity)
Risk Coverage	10% first-loss coverage by government
Maximum Loan	Up to PKR 10 Million

🇵🇰 How This Program Empowers Pakistan

🏘️ Social Impact Millions of low & middle-income families achieve home ownership, stop paying high rents.

👷 Jobs Creation Construction boom: masons, electricians, plumbers, engineers — thousands of direct & indirect jobs.

📈 Economic Growth Boosts cement, steel, and allied industries, strengthening national economy.

🎯 PM’s Vision “Sacred duty to provide roof to every Pakistani” — regular monthly monitoring.

      ⚠️ Important Reminder: This is different from old “Mera Pakistan Mera Ghar” scheme – bigger loan amount & better rates. Apply only through approved banks. No middlemen or agents. First year target: 50,000 houses – apply early!
    

🏦 Participating Banks & Application Channels

You can visit any branch of these major banks (and others joining gradually):

🏦 National Bank of Pakistan (NBP) 🏦 Habib Bank Limited (HBL) 🏦 Standard Chartered (Saadiq Islamic) 🏦 MCB / Alfalah / Meezan Bank 🏦 All other commercial & Islamic banks

Quick tips: Look for dedicated “Apna Ghar Program” desk. Apply online via bank websites or download form. Provide complete documents to get approval in 15 working days.

🏠 Find Nearest Bank Desk (Check official bank websites for online forms)

💡 Common Questions (Quick Answers)

❓ Can I use loan for buying plot and building later?
Yes, purchase of plot + construction is allowed.

❓ Is there any govt subsidy?
Fixed 5% for first decade makes it hugely subsidized.

❓ What about overseas Pakistanis?
Valid NICOP holders can apply through participating banks.

❓ Minimum down payment?
10% of property value (equity) is required.

❓ Can I prepay loan early?
Absolutely, zero penalty.

🏡 Apna Ghar – Ab Mumkin Hai!

Prime Minister Shehbaz Sharif launched this historic program to turn your housing dream into reality. Easy loans, low markup, transparent process.
Don’t wait – visit a participating bank today, ask for “Wazir-e-Azam Apna Ghar Program”, and start your journey to home ownership.

Ghar Ho Tu Apna 🇵🇰