Owning a home is a dream for millions of Pakistanis. However, increasing property prices, construction costs and limited household income can make buying or building a home difficult.
To make affordable housing finance more accessible, the Government of Pakistan has introduced the Wazir-e-Azam Apna Ghar Program – “Ghar Ho Tu Apna.”
The program provides housing finance facilities to eligible first-time homebuyers across Pakistan for purchasing a house or apartment, constructing a house, or purchasing a plot and constructing a house on it.
This article is written with reference to Titanium Agency and explains the latest Wazir-e-Azam Apna Ghar Program 2026, including its eligibility criteria, financing limit, property size, repayment period, markup, required contribution and complete online application method.
The Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna is a government-backed affordable housing finance initiative designed to help eligible Pakistanis achieve homeownership.
The program provides access to participating banks, Islamic banks, microfinance banks and the House Building Finance Company Limited (HBFCL).
The official program provides a digital platform where applicants can:
The scheme was previously known as Mera Ghar–Mera Ashiana and was officially renamed Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna in March 2026.
Here are the main features applicants should know:
| Feature | Current Details |
|---|---|
| Program | Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna |
| Main Target | First-time homebuyers |
| Financing | Up to Rs. 10 million |
| Initial Markup | 5% fixed for first 10 years |
| Tenure | Up to 20 years |
| Bank Financing | Up to 90% |
| Borrower Contribution | Minimum 10% |
| House Size | Up to 10 Marla / 2,720 sq. ft. |
| Apartment Size | Up to 1,500 sq. ft. |
| Plot + Construction | Allowed |
| House Purchase | Allowed |
| House Construction | Allowed |
| Processing Fee | No processing fee |
| Prepayment Penalty | No prepayment penalty |
These features are listed on the official program portal.
One of the most important questions for potential applicants is whether they qualify.
According to the official program information, the scheme is intended for:
The applicant should be a first-time homebuyer and should not already own a housing unit in their name.
Applicants must hold a valid CNIC.
The program has also been expanded to include Overseas Pakistanis / Non-Resident Pakistanis holding NICOP or POC, according to the State Bank of Pakistan’s June 2026 implementation update.
The official eligibility criteria state that the applicant should not already own a housing unit.
This makes the scheme particularly relevant to people trying to purchase their first home.
The Wazir-e-Azam Apna Ghar Program provides several housing options.
Eligible applicants can use the financing to purchase a residential house within the applicable program requirements.
The program also supports the purchase of an apartment of up to 1,500 square feet.
If you already own a qualifying plot, financing can be used for construction of a housing unit.
The program also allows financing for purchase of a plot with construction.
This is useful for people who do not yet own land but want to purchase a plot and build their own home.
The current official program portal lists financing of:
That means an eligible applicant may obtain housing finance of up to Rs. 1 crore, subject to the applicable bank assessment, income, property and program requirements.
The actual amount approved for an applicant can be lower than the maximum limit.
Your approved financing can depend on factors such as:
The program provides financing for residential properties within specified size limits.
Up to:
10 Marla / 2,720 square feet
Up to:
1,500 square feet
The official program portal lists these limits for the applicable housing finance.
The program allows financing of up to 90% of the property value, meaning the borrower may generally need to contribute at least 10% from their own resources.
For example, if a qualifying property costs:
Rs. 10 million
90% financing could be:
Rs. 9 million
The remaining:
Rs. 1 million
would represent the 10% borrower contribution, subject to the lender’s assessment and applicable rules.
The exact contribution required should always be confirmed with the participating financial institution.
The official program portal currently states:
The program provides a 5% fixed markup for the first ten years.
For the remaining period, the official portal states that the applicable rate moves to the market rate.
Therefore, applicants should not assume that the 5% rate will remain unchanged for the entire 20-year financing period.
The financing period can be:
A longer repayment period can make monthly payments more manageable, although the final installment and repayment schedule depend on the approved financing amount, tenure, pricing and lender’s assessment.
The official program currently lists a maximum tenure of 20 years.
The State Bank of Pakistan issued further facilitation instructions in April 2026.
Under the updated instructions, total monthly amortization payments, including the housing finance being considered and repayment obligations from other consumer financing, should not exceed 65% of the applicant’s net disposable income.
This is an important point for applicants who already have other loans or financing obligations.
The State Bank of Pakistan also instructed participating banks and HBFCL that the credit approval process should not take more than 15 working days once a complete application with the required information has been received.
This does not necessarily mean that every applicant will receive financing within exactly 15 working days because incomplete documentation, property verification and other requirements can affect processing.
One of the attractive features of the program is:
The official program portal states that there is no processing fee.
It also states that there is no prepayment penalty.
Applicants should nevertheless ask their selected financial institution about any other applicable legal, documentation, valuation or registration expenses that may not be classified as a program processing fee.
The application process is designed to be simple.
Go to the official:
Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna
The official portal is:
Official Apna Ghar Program Portal
Avoid applying through unofficial websites or social media links.
If you are a new applicant, select the registration option and create your account.
You will need to provide the information requested by the portal.
Make sure your CNIC and personal information are accurate.
After registration, log in to your account.
The official portal’s applicant instructions are:
Create account → Log in → Complete loan application → Submit application.
Fill out the housing finance application form.
You may need to provide information such as:
Provide accurate information because the participating financial institution will assess your application.
Depending on your situation, the financing may be used for:
Select the option that matches your actual housing requirement.
The bank or financial institution may request documents such as:
The exact documentation can vary according to your employment type, property and selected financial institution.
After checking all details, submit your application.
Keep your application/reference information safe for future tracking.
After submission, the participating financial institution assesses the application.
The lender can review:
For properties valued above Rs. 5 million, SBP’s April 2026 instructions require assessment by at least one valuator from the Pakistan Banks’ Association approved panel, while properties up to Rs. 5 million can be assessed using the bank/HBFCL’s internal resources.
Yes.
This is an important 2026 update.
The State Bank of Pakistan’s June 2026 multi-channel implementation strategy states that Overseas Pakistanis / Non-Resident Pakistanis holding NICOP or POC may also obtain financing under the Wazir-e-Azam Apna Ghar Program.
This can create a useful opportunity for overseas Pakistanis who want to purchase or construct residential property in Pakistan.
Yes, the 2026 implementation update also provides a mechanism for participating financial institutions to arrange institutional financing for government employees through department-level bulk processing.
Government employees should contact their relevant department and participating financial institution to understand the current process.
The program is not limited to a single bank.
The official portal lists a network of participating:
The official program portal currently lists institutions including Meezan Bank, Bank Alfalah, HBL, UBL, MCB, Allied Bank, Bank of Punjab, National Bank of Pakistan, Askari Bank, Faysal Bank, BankIslami, Dubai Islamic Bank, HBL Microfinance Bank, Khushhali Microfinance Bank, House Building Finance Company Limited, and others.
Applicants can apply through the official online portal or through participating financial institutions.
Before starting your application, it is useful to keep your documents ready.
Depending on the purpose of financing:
Self-employed applicants may be asked for additional financial documentation.
The final document list should be confirmed with the selected participating bank or financial institution.
The Wazir-e-Azam Apna Ghar Program can be particularly useful for:
People purchasing their first residential property.
Employees with stable income who want to finance a house or apartment.
Business owners and professionals who can demonstrate their income and repayment capacity.
People who already own a plot and want financing to construct their house.
Eligible NRPs with NICOP/POC who want housing finance in Pakistan.
The program is primarily a homeownership and housing finance initiative, not a general-purpose property investment loan.
This distinction is important.
The financing is designed for eligible residential housing purposes rather than speculative property purchases.
For people researching real estate in Pakistan, the scheme can nevertheless increase accessibility to residential property by making home financing easier for eligible first-time buyers.
It may also support activity in:
For buyers interested in real estate in Lahore, the program may be relevant where a residential property meets the scheme’s applicable requirements.
Lahore has a large residential property market with:
However, buyers should not assume that every property in Lahore automatically qualifies.
The property must satisfy the applicable program and lender requirements.
Before making a booking or purchase decision, buyers should check:
This article is written with reference to Titanium Agency as part of its real estate information and educational content.
Titanium Agency focuses on property sales, marketing, real estate consultancy and investment-related information.
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Important: Titanium Agency is not the government authority that approves Wazir-e-Azam Apna Ghar financing. Loan approval, eligibility verification and disbursement are handled by participating financial institutions under the applicable government program rules.
Make sure you qualify as a first-time homebuyer and meet the current program requirements.
Do not select a property only because the maximum financing is Rs. 10 million.
Consider your own contribution and monthly repayment capacity.
Missing documents can delay your application.
Before purchasing a house, apartment or plot, verify ownership and legal documentation.
Different banks may have different internal procedures and documentation requirements.
Always start with the official government portal.
Do not pay anyone who promises guaranteed approval.
It is a government-backed affordable housing finance program called Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna, designed to make home financing more accessible to eligible first-time homebuyers.
The official program portal currently lists financing of up to Rs. 10 million.
The official portal lists 5% fixed markup for the first 10 years, followed by the applicable market rate for the remaining period.
The financing tenure can be up to 20 years.
Yes. The program allows plot purchase with construction.
Yes. Construction of a housing unit is included within the program’s financing scope.
Yes. Apartments up to 1,500 square feet are included within the stated scope.
The official program lists a house of up to 10 Marla / 2,720 square feet.
The program lists financing of up to 90%, with a 10% borrower contribution.
The official program portal states no processing fee and no prepayment penalty.
Yes. The June 2026 SBP implementation update expanded the program to eligible Overseas Pakistanis/NRPs holding NICOP or POC.
You can apply through the official Apna Ghar Program online portal or through participating financial institutions.
The Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna is an important affordable housing initiative for Pakistanis looking to purchase, construct or finance their first home.
With financing of up to Rs. 10 million, up to 20 years repayment tenure, 5% fixed markup for the first 10 years, financing of up to 90%, and no processing fee or prepayment penalty, the scheme can be an attractive option for eligible first-time homebuyers.
The program also covers several housing needs, including:
House Purchase + Apartment Purchase + House Construction + Plot Purchase with Construction
The best approach is to check your eligibility, prepare your financial and property documents, compare participating financial institutions, and submit your application through the official government portal.
For people exploring real estate in Lahore, residential property, apartments, houses and investment opportunities, Titanium Agency provides property-related sales, marketing and consultancy information.
Remember: Ghar Ho Tu Apna — owning a home starts with understanding your options and making an informed decision.
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.
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