Federal · Guide

Wazir-e-Azam Apna Ghar Programme — Rs 10 Million Home Loan at Flat 5%

Wazir-e-Azam Apna Ghar Programme — jo pehle Mera Ghar Mera Ashiana kehlata tha — first-time homeowners ko Rs 10 million tak ka home loan flat 5% markup par deta hai. Yeh guide April 2026 ke naye terms ke mutabiq hai: eligibility, property ki limits, equity, banks se apply ka tareeqa aur fees — sab kuch cover hai.

Last updated: October 2026 · Source: State Bank of Pakistan — sbp.org.pk

A Pakistani family receiving the golden key to their new home under the Apna Ghar Programme

Key facts at a glance

Amount / benefit: Home loan Rs 10 million tak. Bank loan ka 90% deta hai aur aapki apni equity sirf 10% hoti hai (90:10). Na koi processing fee hai, na prepayment penalty.
Markup & tenor: Pehle 10 saal flat 5% markup (subsidy period), uske baad market-based rate. Repayment ki muddat zyada se zyada 20 saal tak.
Who qualifies: First-time homeowners — Pakistani citizens (CNIC holders) jinke paas pehle se koi ghar ya flat nahi. Overseas Pakistanis (NICOP / POC) bhi June 2026 se eligible hain.
How to apply: Kisi bhi commercial bank, Islamic bank, microfinance bank ya HBFCL ki branch se apply karein. SBP ke rule ke mutabiq bank ko mukammal (complete) application par 15 working days ke andar faisla karna hota hai.

Independent guide: AwamSchemes.com is an independent information resource with no official connection to any government department. Always complete transactions and confirm details on the official source — is scheme ke liye official source State Bank of Pakistan (sbp.org.pk) aur aapka bank / HBFCL hai. SBP ki official maloomat mein is scheme ke liye kisi online portal ki tasdeeq nahi hui — apply ka confirmed tareeqa bank ya HBFCL ki branch hai.

What is the Apna Ghar Programme?

Wazir-e-Azam Apna Ghar Program — tagline “Ghar Ho Tu Apna” — federal government ki housing finance scheme hai jo State Bank of Pakistan (SBP) ke framework ke tehat chalti hai. Yeh wohi scheme hai jo pehle Mera Ghar Mera Ashiana ke naam se thi: Ministry of Housing & Works ke 26 March 2026 ke notification ke baad SBP ne tamam banks ko hidayat ki ke scheme ka official naam ab “Wazir-e-Azam Apna Ghar Program — Ghar Ho Tu Apna” hai, aur 30 April 2026 ko isay behtar terms ke sath dobara launch kiya gaya. Kuch banks apni product pages par ab bhi purana naam istemal karte hain — scheme aik hi hai.

Is loan se aap teen kaam kar sakte hain: tayyar house ya flat khareedna, apne plot par ghar ki construction, ya plot khareed kar us par construction. Scheme pure mulk mein hai, Gilgit-Baltistan aur Azad Jammu & Kashmir samet. Government ka target pehle saal 50,000 ghar (Rs 321 billion financing) aur taqreeban 4 saal mein 500,000 ghar hai. 4 September 2026 tak ki official reporting ke mutabiq us waqt tak Rs 351.3 billion ke loans 60,349 cases mein approve ho chuke thay, jin mein se Rs 51.13 billion 9,717 loans ki surat mein disburse bhi hue — average loan taqreeban Rs 5.26 million raha.

Who is eligible?

Eligible hone ke liye yeh sharait puri hona zaroori hain:

• Aap Pakistani citizen hon aur aapke paas valid CNIC ho.
• Aap first-time homeowner hon — aapke naam par pehle se koi house ya flat nahi hona chahiye.
• Overseas / non-resident Pakistanis bhi NICOP ya POC ki bunyad par apply kar sakte hain (yeh sahulat June 2026 mein shamil hui).
• Property scheme ki size limit ke andar ho — tafseel neeche “Loan amount, markup & repayment” section mein hai.
• Aapki repayment capacity bank ke hisab se theek ho — aapki kul qarz ki qistein (debt burden) aapki net disposable income ke 65% se zyada nahi honi chahiyein.
• Not eligible: banks, DFIs aur microfinance banks ke apne employees is programme ke tehat financing nahi le sakte (SBP circular, September 2026).

Documents you need

Apply karte waqt aam tor par yeh cheezein tayyar rakhein:

• Asli CNIC — overseas Pakistanis ke liye NICOP ya POC.
• Aamdani (income) ka saboot jo aapka bank mange — masalan salary slip ya business income ke documents.
• Jis house, flat ya plot ke liye loan chahiye, uski documents ki tafseel.
• Apni 10% equity ki raqam ka bandobast — bank disbursement se pehle equity ka saboot mang sakta hai.

Har bank ki document list mein mamuli farq ho sakta hai — apply karne se pehle apni branch se final list zaroor confirm kar lein.

How to apply, step by step

Is scheme mein apply sirf participating financial institutions ke zariye hota hai — tamam commercial banks, Islamic banks, microfinance banks aur HBFCL (House Building Finance Company). Koi alag government daftar ya confirmed online portal nahi hai.

Bank chunein — apna maujooda bank ya koi bhi participating bank / HBFCL chunein. Agar aap sarkari mulazim hain to poochein ke aapke department ke liye bulk processing ho rahi hai ya nahi — SBP ne banks ko iski ijazat di hai.
Branch mein application dein — branch se scheme ka application form lein, apni aur property ki maloomat bharein aur documents jama karwayein. Apni 10% equity ka plan pehle se tayyar rakhein.
Bank ki verification — bank aapki aamdani, debt burden (65% cap) aur property ki documents check karta hai.
15 working days mein faisla — SBP ke rule ke mutabiq bank ya HBFCL ko mukammal (complete) application ki credit approval 15 working days ke andar karni hoti hai. Apni application ka reference / tracking number sambhal kar rakhein.
Approval aur disbursement — loan manzoor hone ke baad bank disbursement ka process mukammal karta hai aur aapko written repayment schedule deta hai — schedule ko gaur se parhein aur apne paas mehfooz rakhein.

Status check: apni application ka status usi branch ya bank ki helpline se poochein jahan aapne apply kiya tha — application ki date aur reference number batane se status foran mil jata hai.

Loan amount, markup & repayment

Loan ki had: zyada se zyada Rs 10 million. Scheme 90:10 ratio par chalti hai — property ki qeemat ka 90% bank deta hai aur 10% aapki equity hoti hai. Masalan Rs 50 lakh ki property par bank Rs 45 lakh tak de sakta hai aur Rs 5 lakh aapko khud lagane honge.

Property ki limits: house zyada se zyada 10 marla (2,720 sq ft) tak aur flat zyada se zyada 1,500 sq ft tak is scheme mein cover hota hai.

Markup: pehle 10 saal flat 5% — yehi subsidy period hai. Uske baad baqi muddat par market-based rate lagu hoga. SBP ne woh loans jo pehle 8% par diye gaye thay, unhein bhi 5% par adjust kar diya hai.

Repayment: loan ki kul muddat (tenor) zyada se zyada 20 saal tak ho sakti hai. Koi processing fee nahi hai aur prepayment penalty bhi nahi — aap loan waqt se pehle band kar sakte hain.

Monthly qist: aapki exact qist loan ki raqam, muddat aur bank ke repayment schedule par depend karti hai — apply karte waqt bank se written schedule lein aur 10 saal ke baad wale market rate ka asar bhi pehle se samajh lein.

What to do if something goes wrong

Bank 15 working days se zyada delay kare: pehle apni branch se application ka written status lein. Masla hal na ho to bank ke complaint cell mein shikayat darj karein — aur phir bhi hal na ho to State Bank of Pakistan se rabta karein. Apni application ki date aur reference number har shikayat mein likhein.

Koi agent fees maange: is scheme ki application par koi processing cost nahi hai. Agar koi shakhs “online registration” ya “file lagwane” ke naam par paisay mange to yeh fraud hai — paisay na dein. Kuch websites aik online portal (masalan apnaghar.gov.pk) ka zikr karti hain, lekin SBP ki official maloomat mein kisi portal ki tasdeeq nahi hui — apply ka confirmed tareeqa sirf bank ya HBFCL ki branch hai.

Property limit se bari ho: 10 marla / 1,500 sq ft se bari property scheme ke dairay se bahar ho sakti hai — khareedari ka faisla karne se pehle apne bank se likha hua jawab lein ke aapki property is scheme mein aati hai ya nahi.

Bank purana naam istemal kare: kuch banks apni product pages aur forms par ab bhi “Mera Ghar Mera Ashiana” likhte hain. Yeh wohi scheme hai — bas yeh confirm kar lein ke aapki application naye terms (Rs 10 million tak, flat 5%) ke tehat process ho rahi hai.

Doosri housing schemes bhi dekhein

Apna Ghar Programme federal level par bank loan deta hai, lekin agar aapki zaroorat plot ki hai ya aap kisi province ki apni housing scheme dekhna chahte hain, to yeh options bhi mojood hain. Punjab mein rehne walon ke liye Apni Zameen Apna Ghar plot ke liye aur Apni Chhat Apna Ghar ghar ke liye provincial schemes hain, jinki apni eligibility aur apply ka apna tareeqa hai. Sindh mein housing support ke liye Sindh Peoples Housing (SPHF) aur SRSO Housing Scheme mojood hain, jabke Khyber Pakhtunkhwa mein Ehsaas Apna Ghar provincial housing sahulat hai. Har scheme ke rules is federal programme se alag hain, is liye jo scheme aapke shehar aur zaroorat se match kare, uski guide parh kar usi ke official channel se apply karein — aur kisi bhi scheme ke naam par agent ko fees kabhi na dein, kyunke asal apply hamesha scheme ke apne channel se hi hota hai.

Yeh bhi yaad rakhein ke in schemes ki registration aksar elaan shuda rounds ya windows mein khulti hai, is liye jis scheme mein aapko dilchaspi ho, uski guide mein di gayi current status aur apply ki maloomat pehle gaur se parh lein — is se aap band window par waqt zaya karne se bhi bach jayenge aur kisi purani khabar ki bunyad par ghalat umeed bhi nahi bandhegi.

Frequently asked questions

How much loan can I get under the Apna Ghar Programme?

Zyada se zyada Rs 10 million tak. Scheme 90:10 ratio par chalti hai — bank loan ka 90% deta hai aur 10% hissa (equity) aapko khud lagana hota hai. Loan ghar ya flat ki khareed, apne plot par construction, ya plot khareed kar construction — teeno ke liye mil sakta hai.

What is the markup rate, and does it change later?

Pehle 10 saal ke liye flat 5% markup hai — yehi subsidy period hai. 10 saal ke baad baqi muddat ke liye market-based rate lagu hoga. Jo loans pehle 8% par diye gaye thay, SBP ne unhein bhi 5% par adjust kar diya hai.

Who is eligible for the Apna Ghar Programme?

First-time homeowners eligible hain — Pakistani citizens jinke paas valid CNIC ho aur pehle se unke naam koi house ya flat na ho. Overseas Pakistanis NICOP ya POC ke sath bhi apply kar sakte hain. Lekin banks, DFIs aur microfinance banks ke apne employees is scheme ke liye eligible nahi hain.

What size of house or flat can I buy with this loan?

Ghar zyada se zyada 10 marla (2,720 sq ft) tak aur flat zyada se zyada 1,500 sq ft tak ho sakta hai. Is limit se bari property ke liye apply se pehle bank se confirm kar lein.

How do I apply for the Apna Ghar Programme?

Apply kisi bhi participating bank — commercial bank, Islamic bank, microfinance bank — ya HBFCL ki branch se hota hai. Koi processing fee nahi hai, aur bank ko mukammal application par 15 working days ke andar faisla karna hota hai. SBP ki official maloomat mein kisi online portal ki tasdeeq nahi hui — kisi agent ko online registration ke naam par paisay na dein.

Is Mera Ghar Mera Ashiana the same scheme?

Ji haan — ye wohi scheme hai. Government ne March 2026 mein iska naam officially badal kar Wazir-e-Azam Apna Ghar Program — Ghar Ho Tu Apna rakh diya aur April 2026 mein isay behtar terms ke sath launch kiya. Kuch banks apni pages par ab bhi purana naam istemal karte hain.

How long do I get to repay the loan?

Repayment ki muddat zyada se zyada 20 saal tak ho sakti hai, jismein pehle 10 saal 5% markup ki subsidy shamil hai. Koi prepayment penalty nahi — aap loan waqt se pehle bhi band kar sakte hain. Apni exact monthly qist ke liye bank se written repayment schedule zaroor lein.

Confirm on the official source

This guide is a plain-language summary only. Confirm dates, amounts, and eligibility on the official source before you apply: sbp.org.pk — State Bank of Pakistan (scheme circulars: Circular No. 03 of 2025 aur Circular Letters No. 01, 02, 03 aur 05 of 2026), ya apne bank / HBFCL ki branch se. AwamSchemes does not accept applications or process payments.