What Is the Wazir-e-Azam Apna Ghar Program?
The “Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna” (PM-AGP) is the federal government’s nationwide housing finance scheme, launched by Prime Minister Shehbaz Sharif on 30 April 2026. In addition, it offers subsidised home loans to first-time homebuyers across all four provinces as well as Gilgit-Baltistan and Azad Kashmir, with no regional restrictions.
Moreover, the program targets 50,000 houses in its first phase backed by Rs. 321 billion in financing, expanding to 500,000 houses over four years. Specifically, the government developed the scheme through consultations with the private sector, the Ministry of Finance, and the State Bank of Pakistan.
October 2026 Update: Easier Applications — 5 Documents, 15-Day Processing
In a review meeting on 15 October 2026, the Prime Minister was briefed that applying for the Apna Ghar Program has been made significantly easier: the required documents have been cut from 25 to just 5, and banks must now decide loan applications within a maximum of 15 working days. The Prime Minister also directed the State Bank of Pakistan and relevant ministries to consult stakeholders and submit final proposals by the end of October 2026 for housing, agriculture and small-business lending.
Loan Terms — Apna Ghar Program Finance Details
Overall, eligible families can get housing finance of up to Rs. 10 million with repayment up to 20 years. Meanwhile, banks fix the markup at 5% for the first 10 years, and it then shifts to a market-based rate (typically KIBOR plus around 3%) for the remaining period.
- Maximum loan: Rs. 10 million (1 crore)
- Markup: fixed 5% for first 10 years, then market rate
- Repayment: up to 20 years
- Equity: 10% applicant contribution (up to 90% financing)
- Monthly installment: capped at 65% of applicant’s income
- No processing fee and no prepayment penalty
Furthermore, the State Bank has directed banks and the House Building Finance Company to complete credit approvals within 15 working days once applications are complete.
Who Can Apply? (Eligibility)
The scheme is open to all Pakistani citizens holding a valid CNIC. In addition, Non-Resident Pakistanis (NRPs) holding a NICOP or POC can also apply, up to 65 years of age. However, applicants must not already own a residential unit in their name.
No profession is barred — salaried persons, business owners, freelancers, and informal-sector workers can all apply. For example, people without formal pay slips can prove income with bank statements, utility bills, or mobile top-up records. In addition, the scheme accepts joint applications: up to four individuals can pool their incomes.
How to Apply at apnaghar.gov.pk
You submit applications online through the official portal apnaghar.gov.pk — the process is fully digital and free. Therefore, never pay any agent who promises to fast-track your application.
- Visit apnaghar.gov.pk and click “Create Account” — enter your name, CNIC, mobile number, email, and password
- Log in with your CNIC and password, read the instructions, and click “Apply Now”
- Select your income category (Salaried Person, Business Income, or Informal/Other income)
- Enter your preferred bank, branch, city, net monthly income, loan purpose, and amount
- Fill in personal details; add co-applicant and guarantor information if applicable
- Upload documents: CNIC (front and back), photograph, salary slips or income proof, six-month bank statement, and property documents
- Review everything and submit — note your tracking number to check status later
The selected bank then verifies your identity, income, property documents, and credit record. Next, for construction loans the bank releases funds in stages (foundation, grey structure, finishing) — not as a lump sum.
October 2026 Progress — 75,198 Loans Approved
According to the October 2026 briefing, 75,198 loans worth Rs. 448 billion have been approved so far under the program, while Rs. 76 billion has been disbursed to 14,000 people.
The current-year target is Rs. 700 billion in housing finance for 125,000 residential units. The same briefing noted agricultural credit of Rs. 1,352 billion — with a target of Rs. 1,500 billion by June 2027 — and SME loans of Rs. 1,137 billion extended to more than 352,000 small and medium enterprises.
Frequently Asked Questions
Is there any processing fee? No — there is no processing fee and no prepayment penalty. Therefore, do not pay anyone who asks for advance charges.
Can I buy only a plot with this loan? Specifically, the scheme covers purchase of a constructed house or flat, construction on your own plot, or plot purchase plus construction.
What happens after the first 10 years? The markup shifts from the fixed 5% to a variable market rate (typically KIBOR + ~3%) for the remaining up to 10 years.
Can overseas Pakistanis apply? Yes — NRPs with a valid NICOP or POC up to 65 years of age are eligible.
Sources
Official portal apnaghar.gov.pk; Business Recorder.
Related Guides
National Housing Policy 2025 · Apni Chhat Apna Ghar Scheme 2026 · CM Punjab Parwaz Card 2026 · More: visit the 8171 Pass Gov homepage for all government scheme guides.