Wazir-e-Azam Apna Ghar Program
Subsidised housing finance for first-time homebuyers across Pakistan.
Issuing authority: Ministry of Housing & Works, Apna Ghar Cell · Jurisdiction: Pakistan (Federal) · Last verified 21 October 2026
Status: Check Official Portal
A Prime Minister of Pakistan initiative providing subsidised housing finance through participating banks and financial institutions, for purchase, construction, or plot-plus-construction of a first home.
Scheme figures on this page are quoted from the official Apna Ghar portal as checked on 21 October 2026, including the participating financial institutions list (31+ institutions). Live application statistics on the official portal change weekly and are not reproduced here.
Eligibility
- First-time homebuyers across Pakistan holding a valid CNIC and not owning any housing unit (per the official portal).
Benefits
- Financing up to Rs. 10 million with up to 20 years repayment (per the official portal).
- 5% fixed markup for the first 10 years, market rate for the remaining period (per the official portal).
- 90% bank financing with 10% borrower contribution; no processing fee and no prepayment penalty (per the official portal).
- Homes up to 10 Marla (2,720 sq ft) or apartments up to 1,500 sq ft (per the official portal).
Required Documents
- Valid CNIC.
- Documents required by the participating financial institution for housing finance assessment (confirm with the bank).
How to Apply
- Apply through the official Apna Ghar portal (apnaghar.gov.pk) or a participating bank, Islamic bank, microfinance bank or HBFC branch.
- UAN for information and assistance: 051-111-742-111 (official portal).
Popular Questions
Apna Ghar program mein loan kitna mil sakta hai?
Official portal ke mutabiq Rs. 10 million tak financing available hai, first-time homebuyers ke liye. Final approval bank ki assessment par hota hai, official portal par confirm karein.
Official Sources
- Apna Ghar official portal, Ministry of Housing & Works, Government of Pakistan