Wazir e Azam Apna Ghar Program 2026: Eligibility, Loan & Apply Online

The Wazir-e-Azam Apna Ghar Program 2026, also known as Ghar Ho Tu Apna, provides housing finance to eligible first-time homebuyers across Pakistan. Applicants must have a valid CNIC and must not already own a housing unit.

The scheme offers financing of up to PKR 10 million. The markup is 5% fixed for the first 10 years, while the applicable market rate applies for the remaining period. The maximum financing tenure is 20 years.

Financing can be used for:

• Purchase of a house or flat
• Purchase of a plot and construction of a house
• Construction of a housing unit on an owned plot

The eligible property size is up to 10 Marla for a house or 1,500 sq. ft. for an apartment. The scheme provides up to 90% bank financing, with the borrower contributing the remaining 10%. There is no processing fee and no prepayment penalty.

Applications can be started through the official Apna Ghar registration portal.

What Is the Wazir-e-Azam Apna Ghar Program?

The Wazir-e-Azam Apna Ghar Program, also called Ghar Ho Tu Apna, is a government-backed housing finance scheme for eligible first-time homebuyers in Pakistan.

The program supports more than one type of housing need. An eligible applicant can use the financing to purchase a house or flat, purchase a plot together with construction, or construct a housing unit on a plot already owned by the applicant.

Financing is provided through participating financial institutions, including commercial banks, Islamic banks, microfinance banks, and the House Building Finance Company Limited (HBFCL).

The current scheme terms provide financing of up to PKR 10 million, with a subsidised 5% fixed markup for the first 10 years.

Key Features of the Apna Ghar Program

These are scheme-level terms. The participating financial institution may have additional requirements for credit assessment, documentation, property verification, and financing approval.

Who Can Apply?

The main eligibility requirement is that the applicant must be a first-time homebuyer. You can apply if you:

• Are a first-time homebuyer in Pakistan.
• Have a valid CNIC.
• Do not already own a housing unit.

There is no need to add an unsupported universal income, employment, age, or debt-burden requirement to the scheme eligibility criteria. Such matters may be considered by the participating financial institution during its own assessment.

The program’s FAQ states that there is no age limit under the scheme. Financial institutions may still apply their own relevant financing and credit policies.

Also Read > Apna Ghar Mehfooz Ghar Loan Scheme

Income from co-borrowers may also be considered where permitted under the participating institution’s applicable criteria. Applicants should therefore distinguish between scheme eligibility and the additional requirements of the institution processing their financing application.

What Can the Financing Be Used For?

The financing is available for three main housing purposes.

Purchase of a House or Flat

Eligible applicants can use the financing to purchase a residential house or apartment within the applicable property-size limits.

Plot Purchase Plus Construction

The scheme can cover the purchase of a plot when the financing also includes construction of a housing unit on that plot.

A plot purchase without construction is not treated as a separate eligible financing purpose.

Construction on an Owned Plot

Applicants who already own a suitable plot can use the financing for construction of a housing unit, subject to the applicable scheme and financing conditions.

The program does not cover renovation or expansion as an eligible financing purpose.

Loan Amount, Markup and Repayment Period

The maximum financing available under the scheme is up to PKR 10 million. The markup is divided into two periods:

• First 10 years: 5% fixed markup
• Remaining period: applicable market rate

The maximum financing tenure is 20 years.

Therefore, the 5% rate should not be described as a fixed rate for the full 20-year period. It applies to the first 10 years, after which the applicable rate for the remaining tenure takes effect.

The official program FAQ currently states that the rate after the first 10 years is One-Year KIBOR + 3%. Applicants should review the applicable financing terms with their selected participating institution before accepting a facility.

10% Borrower Contribution

The scheme provides up to 90% bank financing, with the borrower contributing the remaining 10%. For example, if an eligible property or financing amount is PKR 5 million, a 90%/10% structure would represent:

• Bank financing: up to PKR 4.5 million
• Borrower contribution: PKR 500,000

This is only an illustration of the financing ratio. It does not guarantee that a particular applicant will receive the maximum financing amount or that every property will be approved at the same valuation. The final financing amount depends on the applicable scheme conditions and the participating institution’s assessment.

Property Size Limit

The current property-size limits are:

• House: up to 10 Marla
• Apartment: up to 1,500 sq. ft.

Applicants should check the property’s size before proceeding with an application because a property outside the applicable limit may not qualify under the scheme. The house-size limit should not be confused with the size of the plot alone when discussing different financing purposes. The participating institution will assess the property and transaction according to the applicable financing requirements.

Participating Banks and Financial Institutions

The Apna Ghar Program is available through participating financial institutions. The current official list includes commercial banks, Islamic banks, microfinance banks, and HBFCL.

Banks

• Al Baraka Bank (Pakistan) Ltd.
• Allied Bank Ltd.
• Askari Bank Ltd.
• Bank Alfalah Ltd.
• Bank Al-Habib Ltd.
• BankIslami Pakistan Ltd.
• Dubai Islamic Bank Pakistan Ltd.
• Faysal Bank Ltd.
• First Women Bank Ltd.
• Habib Bank Ltd.
• Habib Metropolitan Bank Ltd.
• JS Bank Ltd.
• MCB Bank Ltd.
• MCB Islamic Bank Ltd.
• Meezan Bank Ltd.
• National Bank of Pakistan
• Samba Bank Ltd.
• Sindh Bank Limited
• Soneri Bank Ltd.
• Standard Chartered Bank (Pakistan) Ltd.
• The Bank of Khyber
• The Bank of Punjab
• United Bank Ltd.

Other Participating Institutions

• House Building Finance Company Limited (HBFCL)
• ASA Pakistan Microfinance Bank
• HBL Microfinance Bank
• Khushhali Microfinance Bank
• Mobilink Microfinance Bank
• LOLC Microfinance Bank
• U Microfinance Bank

The participating institution list can change, so applicants should check the official Apna Ghar website for the latest list before selecting a bank or financial institution.

How to Apply for the Wazir-e-Azam Apna Ghar Program Online

The application can be started through the official Apna Ghar Program portal.

Step 1: Open the Registration Portal

Go to the Official application portal:
https://apnaghar.gov.pk/register.

Step 2: Create an Account

Complete the registration information requested by the official portal. The registration page currently asks for information such as the applicant’s name, CNIC, mobile number, and other account details.

Step 3: Log In

After registration, access your account through the official portal.

Step 4: Select the Loan Application Option

The applicant dashboard provides the option to begin a loan application. Select Apply for Loan to proceed.

Step 5: Complete and Submit the Application

Enter the information requested in the application and submit it through the portal. Do not rely on third-party websites for application instructions when the official portal is available. The exact information and documentation requested during the application process can depend on the selected financing institution.

Documents Required for Apna Ghar Program

There is no single universal document list that should be presented as mandatory for every applicant. The documents required can depend on factors such as the applicant’s circumstances, financing purpose, property, and the participating financial institution handling the application.

For this reason, applicants should follow the current documentation requirements provided through the official application process and by their selected financial institution.

Do not assume that items such as salary slips, bank statements, employment letters, business records, photographs, or property documents are mandatory in exactly the same form for every applicant.

If a bank requests additional documents as part of its financing assessment, those should be treated as institution-specific requirements, not automatically as scheme-wide eligibility conditions.

Also Read > Sindh Laptop Scheme 2026 Starting In 45 Days For Students

Benefits of the Apna Ghar Program

The confirmed scheme benefits include:

• Financing of up to PKR 10 million
• 5% fixed markup for the first 10 years
• Financing tenure of up to 20 years
• Financing for house or flat purchase
• Financing for plot purchase combined with construction
• Financing for construction on an owned plot
• Up to 90% bank financing
• 10% borrower contribution
• No processing fee
• No prepayment penalty
• Participation by commercial banks, Islamic banks, microfinance banks, and HBFCL

These terms make the scheme different from ordinary housing finance, particularly because of the 5% fixed markup during the first 10 years.

Important Things to Check Before Applying

Before starting your application, check the following:

1. Confirm your first-time-homebuyer status. Make sure you meet the scheme’s requirement regarding existing housing ownership.
2. Check your CNIC details. Use accurate information when registering through the official portal.
3. Check the property size. The applicable limits are up to 10 Marla for a house and 1,500 sq. ft. for an apartment.
4. Arrange the borrower contribution. The scheme provides up to 90% bank financing, so the borrower contributes the remaining 10%.
5. Understand the markup structure. The 5% fixed markup applies for the first 10 years; the applicable rate changes for the remaining period.
6. Review your selected institution’s requirements. Banks and other participating institutions may have their own assessment and documentation procedures.
7. Use the official application portal. Start the process through Apna Ghar’s official website.
8. Be careful with unofficial agents. Avoid anyone who claims they can guarantee approval or asks for money to secure eligibility.

Frequently Asked Questions

Conclusion

The Wazir-e-Azam Apna Ghar Program 2026 provides housing finance of up to PKR 10 million for eligible first-time homebuyers across Pakistan who have a valid CNIC and do not own a housing unit. The key terms include 5% fixed markup for the first 10 years, financing tenure of up to 20 years, up to 90% bank financing, a 10% borrower contribution, no processing fee, and no prepayment penalty. Before applying, confirm the property-size limit, understand the markup structure, review the requirements of your selected participating institution, and use the official Apna Ghar registration portal.