The PM Apna Ghar Loan Scheme 2026 is a government-backed housing finance program in Pakistan designed to help eligible first-time homebuyers purchase, construct or own a house. The current Prime Minister Apna Ghar Scheme 2026 is officially known as the Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna.
The PM Apna Ghar Loan Scheme 2026 is an important federal housing finance initiative for eligible first-time homebuyers in Pakistan. The program, officially known as the Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna, offers financing of up to Rs. 10 million, a 5% fixed markup for the first 10 years, and a repayment period of up to 20 years.
PM Apna Ghar Loan Scheme 2026 Apply Online @apnaghar.gov.pk
The Apna Ghar Plot and Construction Loan provides affordable housing finance through participating banks and financial institutions across Pakistan. Eligible applicants can use the financing to purchase a house or apartment, construct a house on an owned plot, or purchase a plot and construct a house according to the program’s conditions.
apnaghar.gov.pk Online Apply
| Feature | Details |
|---|---|
| Program Name | Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna |
| Previous Name | Mera Ghar – Mera Ashiana |
| Country | Pakistan |
| Maximum Loan | Up to Rs. 10 Million |
| Markup Rate | 5% fixed for first 10 years |
| Maximum Tenure | Up to 20 Years |
| Financing | Up to 90% |
| House Size | Up to 10 Marla / 2,720 sq. ft. |
| Apartment Size | Up to 1,500 sq. ft. |
| Target Applicants | First-Time Homebuyers |
| Application | Online |
| Official Website | apnaghar.gov.pk |
| Helpline | 111-742-111 |
What is PM Apna Ghar Loan Scheme?
The PM Apna Ghar Loan Scheme is a federal government housing finance initiative that aims to make home ownership easier and more affordable for eligible citizens.
Under the program, applicants can obtain housing finance through participating financial institutions. The scheme offers subsidized financing and is intended particularly for people who are purchasing or constructing their first home.
Ghar Ho Tu Apna Apply Online
The program was previously known as Mera Ghar – Mera Ashiana and is now officially called the Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna.
Eligibility Criteria PM Apna Ghar Loan Scheme
The scheme is primarily intended for first-time homebuyers.
Applicants generally need to meet the following requirements:
- Must be a Pakistani citizen.
- Must have a valid CNIC.
- Must be a first-time homebuyer.
- Applicant should not already own a housing unit.
- Must fulfill the applicable income and financing requirements of the participating bank.
- Property must meet the size and other conditions of the program.
- Applicant must provide the required documents and information for verification.
Final approval is subject to the applicant’s eligibility assessment and the terms of the participating financial institution.
Click Here For Online Apply
PM Apna Ghar Loan Amount 2026
Under the revised housing finance program, eligible applicants can obtain financing of up to Rs. 10 million (1 crore).
The approved amount depends on the applicant’s financial position, income, property value, repayment capacity and the assessment carried out by the participating financial institution.
PM Apna Ghar Loan Markup Rate 2026
One of the major benefits of the PM Apna Ghar Loan Scheme 2026 is the subsidized financing rate.
The current program provides a 5% fixed markup rate for the first 10 years.
Applicants should check the applicable terms with their selected participating bank because the financing structure after the subsidized period is subject to the program’s prevailing rules.
PM Apna Ghar Loan Tenure
The maximum repayment period under the program is up to 20 years.
The actual loan tenure can vary according to the applicant’s age, income, financing amount, repayment capacity and bank assessment.
A longer repayment period can reduce the monthly installment, while a shorter tenure may result in higher monthly payments.
90% Financing Facility
The PM Apna Ghar Program provides financing of up to 90% of the applicable property value, subject to the program and bank’s conditions.
This means the applicant may need to contribute the remaining portion as equity/down payment according to the approved financing structure.
House Size Under PM Apna Ghar Scheme
The scheme covers residential properties within the specified size limits.
House
The maximum eligible house size is:
Up to 10 Marla / 2,720 square feet
Apartment
The maximum eligible apartment or flat size is:
Up to 1,500 square feet
Applicants should confirm the property eligibility with the participating bank before completing a purchase or construction transaction.
PM Apna Ghar Loan For House Construction
People who already own a residential plot can use the financing facility for construction of a house.
The applicant must meet the program’s eligibility requirements and the property must fall within the applicable size limits.
The bank will review the applicant’s documents, income and construction/property details before approving the financing.
PM Apna Ghar Loan For House Purchase
Eligible applicants can also use the financing to purchase a house.
The property must meet the applicable size, valuation and legal requirements. The participating bank will conduct the required verification before approving the housing finance.
PM Apna Ghar Loan For Flat Purchase
The program also provides financing for eligible apartments or flats.
The maximum apartment size under the current program is 1,500 square feet, subject to the applicable terms and conditions.
PM Apna Ghar Loan For Plot And Construction
The program also allows financing for purchase of a residential plot and construction of a house.
Applicants should ensure that the plot and proposed construction comply with the official program requirements before applying.
PM Apna Ghar Apply Online 2026
Applicants can apply through the official Apna Ghar online portal.
How to Apply Online Wazir-e-Azam Apna Ghar Program
- Visit the official Apna Ghar website.
- Create an account on the online portal.
- Enter your CNIC and personal information.
- Complete the registration process.
- Log in to your account.
- Select the relevant housing finance option.
- Enter the required applicant and property information.
- Provide the required documents and financial information.
- Submit the application.
- Track the application through the online system.
Applicants should provide accurate information because the details may be verified by the participating financial institution.
PM Apna Ghar Registration 2026
The PM Apna Ghar registration 2026 process is available through the official online portal.
New applicants can create an account by providing the required information. After registration, they can log in and complete the housing loan application.
Applicants should avoid unofficial websites, agents or individuals claiming to guarantee loan approval.
PM Apna Ghar Login
Registered applicants can use the PM Apna Ghar login option to access their online account.
After logging in, applicants can complete the application process and check available application-related information.
PM Apna Ghar Application Status Check
Applicants can check their PM Apna Ghar loan application status through the official online system.
After submitting an application, the case is reviewed according to the applicable program and bank procedures. Applicants should regularly check their account for updates and respond to any request for additional information or documents.
PM Apna Ghar Loan Banks
The housing program is implemented through participating financial institutions across Pakistan.
These include commercial banks, Islamic banks, microfinance banks and housing finance institutions. Applicants can choose a participating institution according to the available program options.
Participating institutions include banks such as:
- Allied Bank
- Askari Bank
- Bank Alfalah
- Bank Al Habib
- BankIslami
- Faysal Bank
- Habib Bank
- Habib Metropolitan Bank
- JS Bank
- MCB Bank
- Meezan Bank
- National Bank of Pakistan
- The Bank of Khyber
- The Bank of Punjab
- United Bank
- House Building Finance Company
- Other participating financial institutions
The available participating-bank list should be confirmed through the official Apna Ghar portal before applying.
PM Apna Ghar Loan Monthly Installment
The monthly installment is not the same for every applicant. It depends on:
- Total loan amount
- Loan tenure
- Applicable markup
- Applicant’s income
- Property value
- Repayment capacity
- Bank assessment
For example, a person taking a smaller loan may have a lower monthly installment than an applicant taking the maximum financing amount.
Applicants should use the official loan calculator or obtain an exact repayment schedule from the participating financial institution before accepting financing.
PM Apna Ghar Loan Processing Fee
The current program provides no processing fee according to the official program information.
The program also provides no prepayment penalty under its stated terms.
Applicants should nevertheless review all documents and bank charges, if any, before signing the final financing agreement.
PM Apna Ghar Loan Scheme Last Date
People searching for the PM Apna Ghar Loan Scheme 2026 last date should note that this is a housing finance program rather than a typical short-term government job or scholarship registration campaign.
Applicants should check the official portal for the latest application instructions, eligibility requirements and any changes to the program.
Benefits Shahbaz Sharif Apna Ghar Loan Scheme 2026
The major benefits of the program include:
- Financing up to Rs. 10 million
- 5% fixed markup for the first 10 years
- Financing tenure of up to 20 years
- Up to 90% financing
- House purchase facility
- Apartment purchase facility
- House construction facility
- Plot purchase plus construction facility
- Online application process
- No processing fee
- No prepayment penalty
- Availability through participating financial institutions
Documents Required For PM Apna Ghar Loan
Applicants may be asked to provide documents such as:
- CNIC
- Passport-size photograph where required
- Proof of income
- Salary slip or business income evidence
- Bank statements where required
- Property documents
- Plot ownership documents, where applicable
- Construction documents, where applicable
- Other documents requested by the participating bank
The exact document requirements can vary according to the applicant’s employment status and type of housing finance.
PM Apna Ghar Loan Helpline
Applicants who need assistance can contact the official program helpline:
111-742-111
The official program information provides the helpline for applicants seeking assistance regarding the housing finance program.
Official PM Apna Ghar Website
The official website for the Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna is:
apnaghar.gov.pk
Applicants should use the official portal for:
- Online registration
- Loan application
- Eligibility information
- Participating banks
- Loan details
- Application tracking
- Official updates
Frequently Asked Questions
Who can apply for PM Apna Ghar Loan 2026?
The program is primarily for eligible first-time homebuyers who meet the applicable government and participating-bank requirements.
What is the maximum PM Apna Ghar loan?
The maximum financing amount is Rs. 10 million.
What is the PM Apna Ghar markup rate?
The current program provides a 5% fixed markup for the first 10 years.
What is the maximum loan tenure?
The maximum repayment period is up to 20 years.
Can I construct a house on my own plot?
Yes. The program provides financing for construction on an eligible owned residential plot.
Can I buy a house through the scheme?
Yes. Eligible applicants can use the financing to purchase an eligible house.
Can I buy an apartment?
Yes. Eligible applicants can finance an apartment subject to the program’s size and other requirements.
Is PM Apna Ghar available throughout Pakistan?
Yes. The federal housing finance program is designed for eligible applicants across Pakistan through participating financial institutions.
Where can I apply?
Applicants can use the official Apna Ghar portal at apnaghar.gov.pk to access registration and application information.
Apna Ghar Portal Login
Eligible citizens can use the financing to purchase a house or apartment, construct a house on an owned plot, or purchase a plot and construct a house. Applicants should visit the official apnaghar.gov.pk portal and check the latest eligibility and application requirements before applying.
