Owning a home is a dream for many families in Pakistan. However, rising property prices and limited savings can make buying a house difficult. To help eligible citizens move closer to homeownership, the government has introduced the Wazir-e-Azam Apna Ghar Program – “Ghar Ho Tu Apna.”
This government housing finance scheme is designed to make buying or constructing a home more affordable through subsidised financing. Eligible applicants can explore financing for purchasing a house or apartment, constructing a house, or purchasing a plot with construction, subject to the scheme’s conditions.
In this guide, Titanium Agency Pvt. Ltd. explains the Apna Ghar Program in simple words, including its latest published features, eligibility criteria, loan limits, repayment period, required documents, and the step-by-step application process.
If you are searching for Apna Ghar Program 2026, Ghar Ho Tu Apna eligibility, Prime Minister housing scheme Pakistan, Apna Ghar loan application, or government home financing in Pakistan, this article will help you understand the main requirements and where to apply.
The Wazir-e-Azam Apna Ghar Program, also known as “Ghar Ho Tu Apna,” is a government initiative that provides subsidised housing finance to eligible first-time homebuyers in Pakistan.
The program is intended to help people who want to own a home but cannot easily afford the full property price from their savings.
Under the published scheme, participating banks and other financial institutions provide financing within the approved limits and conditions. The government supports the program through a markup subsidy and risk-sharing framework.
The official program website is:
Applicants should use the official portal or contact a participating financial institution to confirm current requirements and submit their applications.
According to the official program website, the scheme includes the following main features. https://www.apnaghar.gov.pk/
| Feature | Published scheme details |
|---|---|
| Program name | Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna |
| Main purpose | Affordable housing finance |
| Financing limit | Up to PKR 10 million |
| Customer markup rate | Fixed 5% for the first 10 years |
| Repayment period | Up to 20 years |
| Bank financing | Up to 90% of eligible property cost, subject to approval |
| Applicant contribution | Generally at least 10% under the published financing structure |
| Eligible property | House, apartment, construction, or plot purchase with construction |
| House size | Up to 10 marla or 2,720 square feet, according to the scheme’s published limit |
| Apartment size | Up to 1,500 square feet |
| Processing fee | No processing fee under the published scheme terms |
| Early repayment | No prepayment penalty under the published scheme terms |
The 5% customer markup applies to the first 10 years under the published structure. The markup for the remaining financing period is subject to the applicable market-rate terms. Applicants should obtain the current repayment schedule from their participating bank before signing an agreement.
Eligibility is one of the most important parts of the application process. Applicants should review the current rules before submitting their information.
The official program describes eligible applicants as first-time homebuyers who do not already own a housing unit.
If you already own a house or another housing unit, do not assume that you qualify. Ask the official program or participating bank to confirm how the rule applies to your circumstances.
Applicants in Pakistan should hold a valid Computerised National Identity Card (CNIC). The bank will also assess identity, income, repayment ability, and other applicable requirements.
In June 2026, the State Bank of Pakistan confirmed that Overseas Pakistanis and Non-Resident Pakistanis holding a valid NICOP or POC may also obtain financing under the program, subject to the scheme’s requirements and the participating institution’s assessment. https://www.sbp.org.pk/circulars/shsfd-circular-letter-no-03-of-2026
Overseas applicants should contact a participating institution to confirm the required identity, income, remittance, property, and documentation checks.
Being eligible to apply does not mean that a loan will automatically be approved. The bank will assess whether the applicant can repay the financing.
This assessment may include monthly income, employment or business records, existing loans, household expenses, and credit history.
The State Bank of Pakistan clarified in September 2026 that employees of banks, Development Finance Institutions (DFIs), and Microfinance Banks (MFBs) are not eligible to obtain financing under this particular subsidised program. https://www.sbp.org.pk/circulars/shsfd-circular-letter-no-05-of-2026
Important: Eligibility rules can change. Confirm your individual eligibility through the official portal or a participating financial institution before applying.
The program’s published information describes several types of housing finance. Applicants should make sure the property and transaction fit the scheme’s current conditions.
Eligible applicants may seek financing to purchase an existing house within the prescribed size and financing limits.
Before applying, check the ownership documents, sale price, property valuation, and whether the house meets the bank’s requirements.
The scheme covers eligible apartment purchases within the published limit of up to 1,500 square feet.
Applicants should confirm the apartment’s size, legal status, ownership documents, valuation, and eligibility with the participating bank.
People who already have an eligible plot may be able to apply for financing to construct a house, subject to the scheme and bank requirements.
The bank may ask for land ownership records, construction estimates, approved plans, and other supporting documents.
The program also lists financing for purchasing a plot with construction. This option is different from taking a loan to purchase land only.
Applicants should confirm the permitted sequence of payments, eligible land documents, construction conditions, and any deadlines imposed by the bank.
A key point: The program should not be treated as financing for buying a plot purely for investment or resale. Its published scope connects plot purchase with house construction.
The official program website lists housing finance of up to PKR 10 million, subject to eligibility, property limits, bank assessment, and approval.
The amount you receive may be lower than the maximum. It depends on factors such as:
Suppose an eligible property costs PKR 8 million and the bank approves financing at 90% of the eligible value.
| Item | Illustrative amount |
|---|---|
| Eligible property price | PKR 8,000,000 |
| Potential bank financing at 90% | PKR 7,200,000 |
| Applicant’s 10% contribution | PKR 800,000 |
This is an illustration, not a loan offer. The bank may use its own approved valuation, and the final financing amount depends on the scheme’s limits and your eligibility. Taxes, legal costs, transfer fees, and other expenses may also require additional funds.
The official program information lists a fixed customer markup rate of 5% for the first 10 years and a repayment period of up to 20 years. The remaining period is subject to the applicable market-rate terms.
This can make the initial financing period more predictable than a loan whose customer rate changes immediately with market conditions.
However, applicants should not assume that their monthly payment will remain unchanged for the entire 20 years.
Before accepting financing, ask the bank for a written repayment schedule that explains:
Do not compare housing loans based only on the advertised markup rate. Review the complete repayment schedule and your ability to meet the instalments.
The final list of documents depends on your circumstances, the property type, and the participating financial institution. Applicants should prepare the following commonly requested documents and confirm the official checklist before applying.
For salaried applicants, the bank may request:
For self-employed applicants or business owners, the bank may request:
Depending on the transaction, the bank may request:
Overseas Pakistanis may need additional documents relating to their overseas status, income, identity, and source of funds.
Before uploading or submitting documents, check the official portal or ask the participating bank for its current checklist. Do not send sensitive personal documents to an unverified agent or an unofficial website.
The official program provides an online portal for exploring the scheme, checking eligibility, submitting applications, and tracking status. Applications may also be handled through participating financial institutions. https://www.apnaghar.gov.pk/
Open the official portal:
Check the latest program information, eligibility conditions, and application instructions.
Confirm that you meet the first-time homebuyer requirement and other applicable conditions.
Check the eligible property type and size. If you are an overseas Pakistani, confirm the NICOP/POC and other requirements that apply to your application.
Identify the purpose of your application:
Confirm that your proposed property and transaction are covered by the current scheme rules.
Gather your identity documents, proof of income, bank statements, and property-related records as applicable.
Make sure that the information is accurate and that the documents are clear and up to date.
Follow the instructions on the official portal. Alternatively, contact a participating bank, Islamic bank, microfinance bank, or House Building Finance Company (HBFC) branch to ask about the application process.
Use only the official portal and verified financial institution channels.
The financial institution will review your application, income, repayment capacity, and property documents. It may request additional information or clarification.
Submitting an application does not guarantee approval or the maximum financing amount.
If your application is approved, read the offer and financing agreement carefully.
Confirm the markup rate, repayment schedule, approved property value, instalments, fees, and conditions before signing.
Use the official portal or contact the participating institution to check the status of your application. Keep your application reference number and copies of any documents you submit.
Processing time can depend on the completeness of the application, the property’s documents, valuation requirements, and the bank’s review.
In April 2026, the State Bank of Pakistan instructed banks and HBFC to complete the credit approval process within 15 working days from receipt of an application with complete information under the relevant framework. This is a credit-approval processing instruction, not a guarantee that every applicant will receive approval or that the entire property transaction will finish within 15 days. https://www.sbp.org.pk/circulars/shsfd-circular-no-02-of-2026
To avoid unnecessary delays, submit complete and accurate documents and respond promptly if the bank asks for further information.
The program is a subsidised housing finance scheme, not a grant or a promise of a free house.
The official website lists a customer markup rate of 5% for the first 10 years. The financing terms for the remaining period are subject to the applicable market-rate conditions.
Applicants should review the full contract and repayment schedule with the participating institution. Those who prefer Islamic financing should ask a participating Islamic bank about the available product structure and the terms applicable under the scheme.
The official program describes eligibility for first-time homebuyers who do not own a housing unit.
If you already own a house, flat, or another housing unit, do not assume you qualify. Contact the program or a participating bank for clarification before submitting an application.
Similarly, owning a plot is not necessarily the same as owning a completed housing unit, but the eligibility outcome will depend on the exact scheme rules and the proposed transaction. Obtain confirmation directly from the official channel.
Yes. The State Bank of Pakistan’s June 2026 circular added Overseas Pakistanis and Non-Resident Pakistanis holding NICOP or POC cards to the eligible financing framework, subject to the scheme’s requirements. https://www.sbp.org.pk/circulars/shsfd-circular-letter-no-03-of-2026
Overseas applicants should ask a participating institution about:
The bank will determine whether the applicant and the proposed property meet the current conditions.
A real estate agency may help you explore suitable properties, understand property information, or contact a seller. However, the official housing finance application must be submitted through the government portal or a participating financial institution’s authorised process.
Titanium Agency Pvt. Ltd. shares property-related information and real estate guidance. If you are considering a house or apartment purchase, contact the company to discuss your property requirements.
Do not pay an unofficial person who claims they can guarantee government scheme approval, secure a loan without verification, or bypass the bank’s process.
Before applying for the Apna Ghar Program, avoid these common mistakes:
It is a government housing finance initiative that provides subsidised financing to eligible first-time homebuyers in Pakistan under the name “Ghar Ho Tu Apna.”
The official program website lists financing of up to PKR 10 million, subject to eligibility, the property’s value, and bank approval.
The published scheme lists a fixed customer markup rate of 5% for the first 10 years. The applicable terms for the remaining repayment period should be confirmed with the participating financial institution.
The program lists a repayment period of up to 20 years, subject to approval and the agreed financing terms.
The published program scope includes purchasing a plot with construction. It should not be assumed that a plot-only purchase for investment or resale qualifies.
The scheme lists eligible apartment purchases up to 1,500 square feet. Confirm the property’s eligibility and documentation with the participating bank.
The State Bank of Pakistan added eligible Overseas Pakistanis and Non-Resident Pakistanis holding NICOP or POC cards to the program framework in June 2026. Applicants must still meet the applicable conditions.
The official program website lists no processing fee and no prepayment penalty under the published scheme terms. Confirm any other transaction-related costs directly with the participating institution.
Start with the official portal at www.apnaghar.gov.pk or contact a participating financial institution.
The scheme is presented as a nationwide housing finance initiative. If you plan to buy or construct a home in Lahore, confirm that the proposed property and transaction meet the current rules and the participating bank’s requirements.
The Wazir-e-Azam Apna Ghar Program – “Ghar Ho Tu Apna” may help eligible first-time homebuyers access housing finance with a government-supported markup subsidy.
The main published features include financing of up to PKR 10 million, a 5% customer markup rate for the first 10 years, and repayment of up to 20 years. The scheme covers eligible house and apartment purchases, construction, and plot purchase with construction.
Before applying, check your eligibility, prepare the required documents, confirm the property is covered, and review the complete repayment terms. Use the official portal and a participating financial institution for the latest instructions.
Titanium Agency Pvt. Ltd. encourages prospective homebuyers to make informed property decisions and verify all financing and property details before committing to a purchase.
Official application portal: https://www.apnaghar.gov.pk/
Disclaimer: This article is for general information and educational purposes. It is not an official government notice, loan approval, or financial advice. Scheme rules, eligibility, markup terms, and participating institutions may change. Confirm all information through the official portal, the State Bank of Pakistan, and your selected participating financial institution before applying.
Start a Conversation →
Have questions about properties or investment opportunities? Our team is here to guide you. Get in touch with Titanium Agency today for expert advice and the latest property options.
Looking for property investment in Lahore, luxury apartments, commercial property, apartments on installments, or the latest real estate projects in Pakistan?
Contact the Titanium Team for current prices, availability, payment plans, project details, and booking assistance.
📞 Call / WhatsApp: +92 310 0001036
📞 Call / WhatsApp: +92 334 4139539
📧 Email: query@titaniumagency.net.pk
🌐 Website: titaniumagency.net.pk
📍 Lahore Office: 163 & 164-A Commercial, Sector C, Bahria Town, Lahore
Titanium Agency & Consultancy – Your Real Estate & Property Investment Partner.
Project prices, availability, payment plans, development status, and other details may change. Please verify the latest information and official documentation before making any investment or booking decision.
Contact Us
If you wish to buy or sell a property whether it be residential or commercial, then you have come to right place. Titanium Consultancy is a group of seasoned professionals having vast experience in this field, we guide our customers in making right investment decisions keeping in view their budget.
Leave Your Comment