Prime Minister Apna Ghar Scheme 2026 – 5% Housing Loan Apply Online – Get Up to Rs. 10 Million at 5% Markup
The Prime Minister Apna Ghar Scheme 2026 is a game-changing initiative that offers affordable housing loans at a 5% markup for the first 10 years. With a maximum loan of Rs. 10 million, this Apna Ghar Government Scheme is making homeownership a reality for thousands of Pakistani families.
Max Loan
Markup Rate
Financing Ratio
Max Tenure
The Prime Minister Apna Ghar Scheme (also known as Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna) is a flagship housing finance program launched to empower low- and middle-income families to own a home. With banks approving Rs. 204 billion in financing and disbursing Rs. 27 billion already, the Apna Ghar Scheme is rapidly gaining momentum across Pakistan.
This Apna Ghar Loan Scheme is available through all major banks, including HBL, Meezan Bank, Bank of Punjab, Askari Bank, and many more. The government has allocated Rs. 71 billion in subsidies to support this ambitious program, targeting 150,000 housing loans by June 2027. The Apna Ghar Government Scheme is part of Prime Minister Shehbaz Sharif’s vision to provide affordable housing to every Pakistani citizen.
Official Portal: apnaghar.gov.pk – Apply online, track your application, and access all scheme-related services.
Key Highlights – Prime Minister Apna Ghar Scheme
Eligibility Criteria – Apna Ghar Government Scheme
To apply for the Apna Ghar Scheme, applicants must meet the following eligibility requirements:
| Criteria | Requirements |
|---|---|
| Nationality | Pakistani citizen with valid CNIC |
| Homeowner Status | First-time homebuyer – must not own any residential property |
| Income | Verifiable income (salaried or business) – minimum Rs. 40,000–50,000 |
| Property Size | House up to 10 Marla (2,720 sq.ft) or flat up to 1,500 sq.ft |
| Age | 18 years and above |
| Overseas Pakistanis | NICOP/POC holders are also eligible |
Applicants can apply with up to 3-4 co-borrowers (family members)
Eligibility Check: Visit apnaghar.gov.pk to verify your eligibility instantly.
Apna Ghar Loan Scheme – Financing Details
The Apna Ghar Loan Scheme offers highly attractive financing terms to make homeownership affordable for every Pakistani:
| Feature | Details |
|---|---|
| Maximum Loan | Rs. 10 Million (1 Crore) |
| Markup Rate | 5% fixed for first 10 years (KIBOR+3% after that) |
| Loan Tenure | Up to 20 years |
| Loan-to-Value (LTV) | 90:10 – Bank finances 90%, you pay 10% |
| Processing Fee | No processing fee |
| Prepayment Penalty | No prepayment penalty |
Monthly installment for Rs. 5 million: ~Rs. 53,000/month at 5% markup over 20 years
Monthly Installment Plan (5% Markup – First 10 Years)
Here is a detailed breakdown of monthly installments for the Apna Ghar Scheme at the subsidized 5% markup rate:
| Financing Amount (PKR) | 10 Years (monthly) | 15 Years (monthly) | 20 Years (monthly) |
|---|---|---|---|
| 1,000,000 | 10,607 | 7,908 | 6,600 |
| 2,500,000 | 26,516 | 19,770 | 16,499 |
| 5,000,000 | 53,033 | 39,540 | 32,998 |
| 7,500,000 | 79,549 | 59,310 | 49,497 |
| 10,000,000 | 106,066 | 79,079 | 65,996 |
Source: Askari Bank – Wazir-e-Azam Apna Ghar Program tentative monthly payments
Participating Banks – Apna Ghar Loan Scheme HBL & Others
The Apna Ghar Loan Scheme HBL is one of many options. All major banks are participating in this Apna Ghar Government Scheme:
- HBL (Habib Bank Limited) – “Ghar Ho Tu Apna” program with Shariah-compliant financing
- Meezan Bank – Islamic home financing options
- Bank of Punjab (BOP)
- Askari Bank
- BankIslami
- House Building Finance Company (HBFC)
- All Commercial Banks, Islamic Banks & MFBs
Banks are required to process applications within 15 working days
How to Apply – Apna Ghar Scheme Apply Online
Follow these simple steps to apply online for the Prime Minister Apna Ghar Scheme:
Pro Tip: Keep scanned copies of all documents ready before starting the online application to save time.
Required Documents for Apna Ghar Scheme
To complete your application for the Apna Ghar Loan Scheme, make sure you have the following documents ready:
- Valid CNIC (and NICOP/POC for overseas Pakistanis)
- Passport-size photographs (2 copies)
- Proof of income – salary slip or business income documents
- Bank statements – last 6 months
- Property documents – title, allotment letter, or transfer deed
- Employer’s certificate (for salaried individuals)
- NTN certificate (for business owners)
Selection & Approval Process
The selection process for the Apna Ghar Government Scheme is transparent and streamlined:
Latest Updates – Apna Ghar Scheme 2026
Stay informed with the latest developments of the Prime Minister Apna Ghar Scheme:
- Rs. 204 billion approved by banks, Rs. 27 billion disbursed
- 107,000 applications received since March 2025 – 80% after scheme revision
- 6,000+ loans worth Rs. 26 billion disbursed by June 30, 2026
- Overseas Pakistanis (NICOP/POC holders) now eligible
- No processing fee and no prepayment penalty confirmed
- District-level facilitation desks being established
Why Choose the Prime Minister Apna Ghar Scheme?
The Prime Minister Apna Ghar Scheme stands out from other housing programs due to its unmatched benefits. Here’s why thousands of families are choosing this Apna Ghar Government Scheme:
- Lowest markup rate – 5% fixed for a decade, significantly lower than market rates.
- Affordable monthly installments – designed to fit the budgets of middle-income families.
- Wide network of banks – including Apna Ghar Loan Scheme HBL, Meezan, and others.
- No hidden charges – zero processing fee and no prepayment penalty.
- Government-backed guarantee – ensures transparency and security.
Expert Tips for a Successful Application
- Apply early – funds are limited and demand is high.
- Double-check documents – mismatched CNIC or income proof can cause delays.
- Use the official portal – only apnaghar.gov.pk for online applications.
- Monitor your application status – regularly check the portal for updates.
- Avoid middlemen – no agent can speed up or guarantee approval.
Frequently Asked Questions – Apna Ghar Scheme 2026
Apply Now – Apna Ghar Scheme 2026
Get up to Rs. 10 million housing loan at 5% markup. First-time homebuyers apply online today!
Only through apnaghar.gov.pk – Official Government Portal