The Wazir-e-Azam Apna Ghar Program (“Ghar Ho Tu Apna” / وزیرِ اعظم اپنا گھر پروگرام) is a Prime Minister of Pakistan initiative offering subsidised housing finance to eligible Pakistani citizens — including overseas Pakistanis — to own their first home. It runs as a markup subsidy and risk-sharing scheme for affordable housing finance, delivered through a transparent digital platform and participating banks.
The headline terms: 5% markup for the first 10 years, financing up to 90% of the cost or PKR 10 million (whichever is less), and a tenor of up to 20 years.
Applications open — apply online via the official portal
PM Housing Loan Scheme 2026 Overview
| Detail | Information |
|---|---|
| Program | Wazir-e-Azam Apna Ghar Program (“Ghar Ho Tu Apna”) |
| Initiative of | Prime Minister of Pakistan |
| Scheme type | Markup Subsidy and Risk Sharing Scheme for Affordable Housing Finance |
| Mode of finance | Islamic – Diminishing Musharakah – Housing (Sale & Lease Back / Regular DM) |
| Purpose | First-time home ownership: construction of a house, purchase of a house/flat, or plot purchase with construction |
| Max finance | 90% of cost or PKR 10 million, whichever is less |
| Markup | 5% p.a. for first 10 years; then 1-year KIBOR + 3% till maturity |
| Max tenor | Up to 20 years |
| Who can apply | Pakistani CNIC holders (including overseas) who own no house/flat; one unit per household |
| Official portal | apnaghar.gov.pk |
Apna Ghar Program Latest Statistics
Weekly progress update, as on 9 October 2026:
| Indicator | Figure |
|---|---|
| Total applications received | 191.9K |
| Approved | 75.2K |
| Rejected | 22.5K |
| Under process | 94.3K |
| Approved amount | Rs. 448 billion |
| Disbursed | 14K |
| Disbursed amount | Rs. 80.6 billion |
Markup Subsidy Explained
The scheme’s core benefit is the subsidised end-user rate:
- First 10 years: 5% per annum from the date of disbursement.
- After 10 years till maturity: 1-year KIBOR + 3%.
The government absorbs the difference between the market rate and the subsidised rate — that is the markup subsidy. The risk-sharing element means participating banks share the credit risk with the government, which is what makes banks willing to lend to first-time, lower-income borrowers.
Eligibility Criteria for Apna Ghar Program
- Citizenship: All Pakistanis holding a valid CNIC, including overseas Pakistanis.
- First-time owners only: The applicant must not own any flat or house. A single unit per household is allowed.
- Minimum net monthly income: PKR 35,000.
- Minimum age: 21 years.
- Maturity condition: Financing must mature before retirement for salaried applicants, or before 65 years of age for businesspersons.
- Co-borrower: The bank may consider the joint income of the primary applicant and co-owner (parents or spouse) when assessing repayment capacity.
How Much Finance Can You Get?
- Amount: 90% of the cost of the house, flat or apartment — or PKR 10.0 million — whichever is less.
- Tenor: Up to 20 years, subject to age and the debt burden ratio based on the applicant’s source of income.
- Debt burden ratio: 33% of the net monthly income of the applicant plus co-applicant.
Housing Unit Size Limits
| Unit type | Maximum size |
|---|---|
| House | Land up to 10 marla (2720 sq. ft) |
| Flat / Apartment | Covered area up to 1500 sq. ft |
Fee Waivers
- Waiver of the application / sanction processing fee.
- Waiver of pre-mature adjustment / partial adjustment charges.
Risk Acceptance Criteria
- Minimum risk rating score: 65%.
- Credit history: 2 years for salaried individuals, 3 years for businesspersons.
- Debt burden ratio: 33% of net monthly income.
- ECIB: Not more than 2 times in 30+ DPD in the last 12 months.
- Property valuation: Conducted through the bank’s approved evaluator nominated by CAD/RCAD.
Securities Required
- Government-approved schemes (e.g. PDA, CDA): Equitable mortgage and lien marking with the concerned authorities.
- Other properties: Token legal mortgage of PKR 50,000 along with equitable mortgage and lien marking with the concerned revenue office.
- Personal guarantee of the applicant and co-applicant (if any).
- Undertaking: The applicant and co-applicant must declare they do not own any house or residential property in Pakistan.
How to Apply for the Apna Ghar Program Online
The program runs on a transparent, streamlined digital platform. The general process:
- Visit the official portal at apnaghar.gov.pk.
- Explore the housing finance options and check your eligibility.
- Submit the online application with the required details.
- Track your application status on the portal.
- The participating bank processes the case through its designated branches.
An application form is also available for download through the participating banks’ designated branches.
Wazir-e-Azam Apna Ghar Program FAQs
What is the Wazir-e-Azam Apna Ghar Program?
It is a Prime Minister of Pakistan initiative providing subsidised housing finance to eligible Pakistani citizens, including overseas Pakistanis, to own their first home. It works as a markup subsidy and risk-sharing scheme for affordable housing finance.
Who is eligible for the Apna Ghar Program?
All Pakistanis holding a valid CNIC who do not own any flat or house. Only one unit per household is allowed. Minimum net monthly income is PKR 35,000 and minimum age is 21 years. Financing must mature before retirement for salaried applicants, or before age 65 for businesspersons.
What is the markup rate under the PM Housing Loan Scheme?
The end-user rate is 5% per annum for the first 10 years from disbursement. After 10 years until maturity, it becomes 1-year KIBOR plus 3%.
How much finance can I get?
90% of the cost of the house, flat or apartment, or PKR 10.0 million — whichever is less.
What is the maximum loan tenor?
Up to 20 years, subject to the applicant’s age and debt burden ratio based on source of income.
What can the Apna Ghar loan be used for?
Construction of a house, purchase of a house or flat, and purchase of a plot with construction of a house.
What are the housing unit size limits?
For a house, land up to 10 marla (2720 sq. ft). For a flat or apartment, covered area up to 1500 sq. ft.
How do I apply for the Apna Ghar Program?
Through the program’s digital platform and participating financial institutions. Check eligibility, submit the application and track its status online via the official portal at apnaghar.gov.pk.
Are there any fee waivers?
Yes. The application/sanction processing fee is waived, and pre-mature or partial adjustment charges are also waived.
What is the debt burden ratio requirement?
33% of the net monthly income of the applicant plus co-applicant. The income of a co-borrower (parents or spouse) can be added for the DBR calculation.
Summary
The Wazir-e-Azam Apna Ghar Program (“Ghar Ho Tu Apna”) offers first-time homeowners subsidised housing finance at 5% markup for 10 years, up to PKR 10 million or 90% of the property cost, over a tenor of up to 20 years. Pakistani CNIC holders with a minimum monthly income of PKR 35,000 who own no property can apply online via apnaghar.gov.pk. As of 9 October 2026, 191.9K applications have been received and Rs. 80.6 billion disbursed.
ixjob.pk publishes scheme information for readers. Verify the latest terms on the official portal before applying.
