The Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna is a government-backed housing finance scheme helping eligible Pakistanis buy or construct homes through subsidized financing. The scheme offers financing of up to PKR 10 million (1 crore), with 5% fixed markup and financing tenure of up to 20 years through participating financial institutions.

This guide covers the 2026 eligibility criteria, loan amount, markup, down payment, installments, property requirements, documents, application process and FAQs.

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

The Wazir-e-Azam Apna Ghar Program, commonly known as Ghar Ho Tu Apna, is a federal housing finance scheme for eligible first-time homeowners.

Previously known as Mera Ghar–Mera Ashiana, the scheme was renamed in March 2026. It aims to make home financing more accessible to low- and middle-income households through markup subsidies and risk-sharing support.

PM Apna Ghar Scheme 2026: Overview

Feature	Details
Program Name	Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna
Previous Name	Mera Ghar–Mera Ashiana
Maximum Financing	PKR 10 million / 1 crore
Customer Markup	Fixed 5%
Subsidized Period	First 10 years
Maximum Tenure	Up to 20 years
Loan-to-Value	Up to 90% financing / 10% customer equity
Eligible House	Up to 10 Marla / 2,720 sq. ft.
Eligible Flat/Apartment	Up to 1,500 sq. ft.
First-Time Homeowner	Yes
Processing Fee	No processing fee under the scheme
Prepayment Penalty	No prepayment penalty
Financing Options	Purchase, construction, or plot + construction
Availability	Across Pakistan through participating institutions

The official Apna Ghar portal confirms maximum financing of PKR 10 million, maximum tenure of 20 years, a 5% fixed markup for the first 10 years and no processing fee or prepayment penalty.

PM Apna Ghar Scheme 2026 Loan Amount

Eligible applicants can obtain housing financing of up to:

PKR 10,000,000 (1 Crore)

The maximum financing amount applies to the eligible housing finance facility and does not mean that every applicant automatically qualifies for the full 1 crore.

The bank will assess factors including:

• Applicant’s income
• Existing financial obligations
• Debt burden ratio
• Credit history
• Property value
• Property documents
• Repayment capacity
• Bank-specific credit assessment

The official Apna Ghar calculator also makes clear that the eligible financing amount can be lower than the maximum depending on income and repayment capacity.

What Is the Markup Rate Under the Apna Ghar Scheme?

A key benefit of the program is its 5% fixed customer markup, applicable during the subsidized period of up to 10 years. However, the 5% rate does not necessarily remain fixed for the full 20-year tenure. After the subsidy period, pricing may change according to the scheme and the bank’s applicable terms.

Applicants should consider this when calculating the long-term cost of financing.

Is There a 10% Down Payment?

Yes. The scheme provides for a 90:10 Loan-to-Value ratio, meaning financing can cover up to 90% of the applicable property value while the customer contributes the remaining 10% equity, subject to bank assessment and applicable requirements.

For example:

Property Worth PKR 5 Million

• Property value: PKR 5,000,000
• 90% financing: PKR 4,500,000
• Customer equity: PKR 500,000

Property Worth PKR 10 Million

• Property value: PKR 10,000,000
• Financing: PKR 9,000,000
• Customer equity: PKR 1,000,000

However, because the scheme’s maximum financing is PKR 10 million, a higher-priced property may require more than 10% cash contribution if the financing required exceeds the program limit.

Which Properties Are Eligible?

The current program allows financing for housing units within the specified size limits.

Houses

A house can be up to:

10 Marla / 2,720 square feet

Flats and Apartments

An apartment or flat can be up to:

1,500 square feet

The official Apna Ghar portal confirms these property-size limits.

There is no maximum property-price cap stated by the scheme, provided the property meets the applicable size and financing requirements. Participating banks may still impose their own credit, valuation and legal requirements. Meezan Bank’s current program documentation, for example, states that there is no maximum price cap for an eligible housing unit.

What Can the PM Apna Ghar Loan Be Used For?

The financing can be used for three main purposes.

1. Purchase a Completed House or Apartment

Applicants can use the financing to purchase an eligible completed residential property. This can be useful for first-time buyers who want to purchase a ready-to-live-in house or apartment instead of constructing a property themselves.

2. Construction on an Existing Plot

If you already own a residential plot, financing can be used for construction of an eligible house. This option can be particularly useful for families who already have land but do not have sufficient funds to complete construction.

3. Purchase of Plot + Construction

The scheme also allows financing for the purchase of a residential plot when the financing also covers construction of a house on that plot.

It is important to understand that the program is not simply a loan for purchasing an empty plot for investment. The official program documentation specifically states that a plot can be purchased under the facility when a house is also going to be constructed on it.

PM Apna Ghar Scheme Eligibility Criteria

The basic eligibility requirement is that the applicant must be a first-time homeowner. According to the official program information, applicants who already own a house or flat in their name are not eligible under the scheme.

Main Eligibility Requirements

Applicants generally need to satisfy the following conditions:

• Must be a Pakistani citizen
• Must hold a valid CNIC
• Must be a first-time homeowner
• Must not already own a residential house or flat in their name
• Must satisfy the participating bank’s income and credit assessment
• Property must fall within the permitted size
• Financing purpose must fall within an approved category

The scheme is also available to Non-Resident Pakistanis (NRPs) holding valid NICOP/POC through participating institutions where the bank’s product permits it. For example, Meezan Bank lists resident Pakistani nationals with CNIC and NRPs with valid NICOP/POC among the eligibility categories for its implementation of the scheme.

Minimum Income Requirement

The official Apna Ghar online calculator currently shows:

Minimum required monthly income: PKR 25,000

However, this should not be interpreted as a guarantee that a person earning PKR 25,000 will qualify for a large loan.

The actual financing amount depends on repayment capacity, debt burden ratio, bank assessment and other eligibility conditions.

Participating banks can also apply additional product-level qualification requirements.

For example, Meezan Bank’s current implementation lists a minimum gross income of PKR 40,000 per month for its product and specifies additional employment/business experience requirements.

Therefore, applicants should distinguish between:

Government scheme eligibility
and
individual bank credit eligibility.

The final approved loan amount is determined by the participating financial institution.

Employment Requirements

Employment and income verification can vary between participating banks.

As an example, Meezan Bank currently requires:

Salaried Applicants

• Permanent employment with at least 6 months continuous work history in the same industry/field
• Contractual employees require at least 1 year continuous work history in the same industry/field and 2 years total experience

Self-Employed / Business Applicants

• Minimum 2 years in the current business/industry

Other banks may have different internal requirements, so applicants should verify the latest criteria with their selected bank before submitting an application.

PM Apna Ghar Scheme Installment Plan 2026

The following installment examples are illustrative calculations at the 5% annual rate over a 20-year tenure.

Actual installments can vary depending on the bank’s financing structure, disbursement method, applicable terms and future pricing after the subsidized period.

Estimated Monthly Installments

Financing Amount	Approx. Monthly Installment at 5% for 20 Years
PKR 3.5 Million	PKR 23,098
PKR 5 Million	PKR 32,998
PKR 7.5 Million	PKR 49,497
PKR 10 Million	PKR 65,996

The most important figure for applicants considering the maximum facility is therefore:

PKR 10 million financing → approximately PKR 65,996 per month at 5% over 20 years

This is a mathematical illustration and should not be treated as a bank-issued quotation.

10 Million Loan – (10-Year Financial Illustration)

For a PKR 10 million financing facility, assuming the full amount is financed at 5% and amortized over 20 years:

• Monthly installment: approximately PKR 65,996
• Total payments during first 10 years: approximately PKR 7.92 million
• Principal reduced during first 10 years: approximately PKR 3.78 million
• Estimated remaining principal after 10 years: approximately PKR 6.22 million
• Markup paid during the first 10 years: approximately PKR 4.14 million

These figures demonstrate an important point: a 20-year facility does not mean the borrower will pay only 5% throughout the entire 20-year period.

The official government scheme provides the subsidized fixed rate for the applicable subsidy period, while the remaining period is subject to applicable market/bank pricing. At launch, Prime Minister Shehbaz Sharif stated that the 5% rate would apply for the first 10 years and market rates would apply afterward.

Example: PKR 5 Million Financing

At a hypothetical 5% rate over 20 years:

• Monthly installment: approximately PKR 32,998
• Payments over first 10 years: approximately PKR 3.96 million
• Principal reduced in first 10 years: approximately PKR 1.89 million
• Estimated remaining balance after 10 years: approximately PKR 3.11 million

These calculations are useful for planning but should not replace an official bank repayment schedule.

Why the Second 10 Years Matter

For 20-year financing, remember that the 5% markup may apply only during the subsidy period, not the full tenure. Afterward, the rate may shift to market-based pricing.

Before applying, ask your bank about the post-subsidy rate, revision frequency, benchmark (such as KIBOR), installment recalculation, impact of KIBOR increases, and prepayment options. These details are especially important for long-term financing.

Is There a Processing Fee?

The official Apna Ghar portal states that the scheme has:

No processing fee

It also states that there is:

No prepayment penalty

This means eligible customers can repay the facility early without a scheme-level prepayment penalty.

However, applicants should still ask the bank about other actual costs that may apply, such as:

• Property valuation
• Legal documentation
• Registration-related expenses
• Mortgage-related expenses
• Insurance/takaful where applicable
• Other government or third-party charges

For example, Meezan Bank’s current program documentation lists legal-report and property-valuation charges at actual cost even though the program processing charge is NIL.

Documents Required for PM Apna Ghar Scheme

The exact document checklist can differ depending on the bank and applicant’s employment category.

Common documentation can include:

For Salaried Applicants

• CNIC
• Loan application form
• Salary slip
• Employment certificate/letter
• Bank statement
• Income verification documents
• Property documents
• Applicant/co-applicant documents where applicable

For Business / Self-Employed Applicants

Banks may request:

• CNIC
• Business proof
• Bank statements
• Tax returns
• NTN documentation
• Business registration documents where applicable
• Professional license or membership documents where applicable
• Property documents

For example, Meezan Bank’s current documentation requests salary and employment evidence from salaried applicants and business/tax documentation from self-employed applicants.

How to Apply for PM Apna Ghar Scheme 2026

Applicants can begin the process through the official Apna Ghar online portal or participating financial institutions.

Step 1 – Check Your Eligibility

Start by checking whether you meet the first-time homeowner and other basic requirements.

Step 2 – Calculate Your Financing Requirement

Determine:

• Property price
• Required financing
• Your equity/down payment
• Expected monthly installment
• Repayment tenure

The official portal includes an online calculator for estimating financing eligibility.

Step 3 – Register Online

Visit the official Apna Ghar portal and create an account.

Step 4 – Complete the Application

Provide your personal, employment, income and property information.

Step 5 – Submit Suppaluation

The bank may conduct legal verification and property valuation before approving financing.

Step 7 – Credit Assessment

The bank assesses repayment capacity, credit history, debt burden and other applicable requirements.

Step 8 – Approval and Disbursement

After approval and completion of legal requirements, the financing is disbursed according to the applicable purchase or construction structure.

Which Banks Offer the Apna Ghar Scheme?

The official portal currently lists 30+ participating institutions and states that applications can be processed through participating commercial banks, Islamic banks, microfinance banks, HBFC and participating NBFCs.

The important point is that the government scheme provides the framework, while individual banks may have different:

• Income requirements
• Employment requirements
• Documentation
• Credit assessment
• Property valuation procedures
• Islamic/conventional financing structures
• Internal eligibility criteria

For example, Meezan Bank offers the program through a Diminishing Musharakah structure for Shariah-compliant home financing.

Applicants should therefore compare participating institutions rather than selecting a bank solely because it offers the scheme.

Islamic Financing Under the Apna Ghar Scheme

For customers seeking Shariah-compliant financing, participating Islamic banks offer the scheme through Islamic home-financing structures.

Meezan Bank, for example, provides the program through Diminishing Musharakah, where the bank and customer initially become joint owners of the property and the customer’s ownership increases as the bank’s share is purchased over time.

This can provide an alternative to conventional housing finance for applicants who prefer Islamic banking.

Can You Buy a Plot Under the Apna Ghar Scheme?

Yes, but with an important condition. The program can finance the purchase of a residential plot when construction of a house is also financed under the facility. It is therefore not designed as a standalone plot-purchase loan for someone who intends to hold the land as an investment.

The official program FAQ confirms that plot purchase is allowed where the financing includes construction of a house on the plot.

Can the Scheme Finance Construction on Your Existing Plot?

Yes. If you already own an eligible residential plot, you can use the program to finance construction of a house, subject to the applicable property-size, financing and bank requirements.

The official portal specifically lists construction on an already-owned plot as one of the program’s financing categories.

Can the Loan Be Used for Renovation?

Generally, no.

The scheme is intended for:

• Purchase of a house/flat
• Construction on an already-owned plot
• Purchase of a plot plus construction

The official FAQ does not include ordinary renovation or expansion of an existing housing unit among the permitted purposes.

Government’s Apna Ghar Housing Target

At the April 2026 launch, Prime Minister Shehbaz Sharif announced a target of 50,000 homes during the first year, supported by an allocation of approximately PKR 321 billion.

The government also announced a longer-term target of 500,000 homes over four years.

These figures should not be confused with the maximum loan amount available to an individual.

The PKR 10 million figure is the maximum financing available to an eligible applicant, while the PKR 321 billion figure relates to the first-year program financing allocation announced by the government.

What Does This Scheme Mean for Property Buyers?

The Apna Ghar Program could increase purchasing power for eligible first-time homeowners because buyers can obtain a substantial portion of the property’s eligible financing requirement through subsidized housing finance.

For example, someone looking for a house within the scheme’s size limits may be able to combine:

10% personal equity + up to 90% bank financing

subject to the bank’s valuation and maximum financing limit.

This makes affordability planning particularly important.

A buyer should not simply ask:

“Can I get a 1 crore loan?”

Instead, the more useful question is:

“What property price can I comfortably afford based on my income, equity and expected monthly installment?”

Example of a Home Buying Budget

Suppose a buyer wants to purchase a property worth PKR 8 million.

A simplified 90:10 structure could look like:

• Property price: PKR 8,000,000
• Customer equity: PKR 800,000
• Financing requirement: PKR 7,200,000

At an illustrative 5% rate over 20 years, the monthly installment would be approximately PKR 47,517.

The actual bank calculation may differ because the bank considers its valuation, financing structure, income assessment and other applicable factors.

Important Things to Check Before Applying

Before applying for the PM Apna Ghar Scheme, prospective buyers should verify:

1. Your Property Is Eligible

Confirm the house does not exceed:

10 Marla / 2,720 sq. ft.

or the apartment limit of:

1,500 sq. ft.

2. You Are a First-Time Homeowner

Existing ownership of a residential house or flat can affect eligibility.

3. Your Income Supports the Installment

The maximum loan is not automatically available to every applicant.

4. Your Property Documents Are Clear

Banks conduct legal and valuation checks before financing.

5. Understand the Post-Subsidy Rate

If selecting a 20-year tenure, understand what happens after the first 10 years.

6. Keep Your Equity Ready

Although the scheme provides up to 90% financing, the customer needs to arrange the required equity contribution and other transaction-related expenses.

Is the PM Apna Ghar Scheme Worth Considering?

The Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna offers eligible first-time homeowners financing of up to PKR 10 million, with 5% fixed pricing, up to 20 years’ financing, and a 90:10 financing-to-equity structure.

Before applying, buyers should assess their income, affordable installment, available equity, property eligibility, and required financing.

Contact The One Group on WhatsApp to check current property inventory and find an option that fits your requirements.