Wazir Azam Apna Ghar Program 2026: Apply Online, Eligibility, Documents aur Installments

A family building a new home with a housing loan under the Wazir Azam Apna Ghar Program 2026

Introduction

So many families living in rented accommodation would love to own a house, but are held back by the cost of land and the high bank markup. The Wazir Azam Apna Ghar Program (Ghar Ho Tu Apna) is the government’s solution to that. Under the scheme, eligible Pakistani citizens can get a housing loan of up to Rs. 1 crore. The markup is fixed at 5% for the first 10 years, and the loan can be repaid over a period of up to 20 years.

In this guide, you’ll find information on eligibility, loan slabs, monthly installments, required documents, how to apply, your application status, and the most up-to-date information. Only information that can be confirmed from credible sources has been included.

What is the Wazir Azam Apna Ghar program?

The Wazir Azam Apna Ghar Program (officially the Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna) is a nationwide housing finance scheme of the Ministry of Housing and Works. It provides loans to individuals to build or purchase a home, with a government subsidy.

Prime Minister Shehbaz Sharif introduced the scheme in Islamabad on 30th April 2026. The government has stated that it will be implemented in all the provinces, Azad Kashmir, and Gilgit-Baltistan.

Purpose and Target of the Program

The 5-year plan aims to finance 5 lakh homes at a cost of Rs. 3.2 trillion. The government also says it will keep the construction industry afloat and create jobs. As per the State Bank of Pakistan (SBP), Rs. 71 billion has been allocated as a subsidy for the scheme in the FY2026-27 budget. The other target for the year is Rs. 700 billion in loans, which is expected to facilitate the construction of 1,25,000 homes.

What can the loan be used for?

Buying a house or flat
Building a house on your own plot
Buying a plot and building a house on it

The house limit is 10 marla (2,720 sq ft), and the flat limit is 1,500 sq ft.

Loan Slabs and Monthly Installments

The loan is in four slabs. The installment estimates below have appeared in media reports quoting Finance Ministry documents.

Rs. 25 lakh	Rs. 16,499	Up to 20 years
Rs. 50 lakh	Rs. 32,997	Up to 20 years
Rs. 75 lakh	Rs. 49,497	Up to 20 years
Rs. 1 crore	Rs. 65,996	Up to 20 years

These are approximate figures and are based solely on the fixed 5% markup for the first 10 years. From year 11 onwards, the markup is KIBOR for 12 months plus 3%, so your installment could go up or down. If you’re looking to pay off the Rs. 1 crore loan over a shorter period, then the approximate EMI would be Rs. 79,079 for 15 years and Rs. 1,06,066 for 10 years (as per reports). Financing is 90:10, with the bank providing 90% and the applicant contributing 10% from their own purse.

Benefits of the Program

Subsidized housing loan of up to Rs. 1 crore
Fixed 5% markup for the first 10 years
Up to 20 years to repay
No processing fee
No prepayment penalty if you repay the loan early
Both salaried and non-salaried people can apply
More than one person can apply together as a joint application

The bank holds the original title documents until the loan is repaid.

Eligibility Criteria

According to Aaj News’s report of 30 April 2026 and the SBP’s clarification, the conditions are as follows:

The applicant must be a Pakistani citizen with a valid CNIC. NICOP and Pakistan Origin Card (POC) holders are also eligible.
The applicant must not already own a residential property in their name.
Age must be between 20 and 65.
Monthly income must be at least Rs 40,000.
A salaried applicant must have at least 6 months’ experience. Business owners must have 2 years’ experience.
Up to 4 people can apply jointly to meet the repayment requirement.
Overseas Pakistanis can also apply.

Banks will look at your income and your outgoings to see if you can comfortably afford the installments. The onus of the decision ultimately lies with the bank.

Required Documents

Applicant’s Documents

The following documents are usually requested:

Copy of CNIC (front and back), matching NADRA records
Proof of income: salary slip, salary certificate, or bank statement
CNIC of the next of kin
Documents of the co-applicant in case of a joint application
Any other documents requested by the bank

According to Allied Bank, a salary slip or bank statement no more than 60 days old is acceptable.

The 5 Property Documents

At the PM’s meeting on 14th October 2026, it was announced that the number of documents required had been reduced from 25 to 5. The MoHW has also issued instructions to the banks via the SBP. The 5 property documents are:

Transfer letter
Possession letter
Approved building map (site plan)
NOC or permission letter for mortgage
Mortgage registration

The document names differ slightly across the various reports, so please confirm the list with your bank.

How to Apply Online

Official portal: apnaghar.gov.pk

Just open the portal and click ‘Create Account’.
Register with your CNIC and personal details.
Log in using your CNIC and password.
Just read the instructions and click Apply Now.
Select your income bracket (e.g., Salaried).
Enter the financing amount.
Just fill in all the information on the form correctly.
Upload the documents.
Check the info and submit.

The application is submitted online (no separate paper form is required), and you can also apply by going to the branch of a participating bank.

The Government says the bank must make a decision on a full application within 15 working days. Of course, the actual time taken will be down to the bank’s process and how complete your documents are.

How to Check Application Status

After you’ve submitted your application, you can check the status by logging in to your apnaghar.gov.pk account. If you don’t get a response after 15 working days, get in touch with your bank branch. For banking-related complaints, the SBP’s Sunwai portal (sunwai.sbp.org.pk) can be used.

Last Date

As far as our research goes, no official last date has been announced for the program. It’s a multi-year program, and the government has set targets for FY2026-27. Keep an eye on apnaghar.gov.pk for the most up-to-date information.

Participating Banks

The program runs via a network of commercial, Islamic, and microfinance banks. Askari Bank and Allied Bank (ABL) have both published the scheme details and forms on their websites. There are reports that NBFCs have also been permitted to lend under the scheme.

Check the official site for the full and up-to-date list of banks, as it is constantly changing.

Latest Updates (October 2026)

30 April 2026: The program was launched in Islamabad.
14 October 2026: Review meeting chaired by the PM. Reported that 75,198 people have been approved loans to the value of Rs. 448 billion and approximately Rs. 76 billion has been disbursed to around 14,000 people.
14 October 2026: application processing time set at 15 working days, number of required documents reduced from 25 to 5.
18 October 2026: MoH&W reports that the SBP has issued instructions to banks to reduce the number of property documents.

This demonstrates there’s a gap between the approvals and the actual disbursement. Patience and complete documentation are key when you go to apply.

Difference Between PM Apna Ghar and Apni Chhat Apna Ghar

So many people confuse these two schemes. The federal PM Apna Ghar and the Punjab Apni Chhat Apna Ghar are entirely separate schemes.

Launched by	PM Shehbaz Sharif	CM Maryam Nawaz
Where applicable	All of Pakistan	Punjab only
Loan limit	Up to Rs. 1 crore	Up to Rs. 15 lakh
Markup	5% for the first 10 years	Interest-free (0%)
Duration	Up to 20 years	7 to 9 years (sources differ)
Condition	Stable income, the bank’s conditions	PMT score of 60 or below in NSER
Property	Up to 10 marla	Plot up to 5 marla in cities, up to 10 marla in rural areas
Portal	apnaghar.gov.pk	acag.punjab.gov.pk

If you’re a low-income resident of Punjab, your PMT score is 60 or below, and you have a small plot, then Apni Chhat Apna Ghar may be the better option for you. Salaried / business people with a stable income can look at the federal program.

[Internal link: link your website’s Apni Chhat Apna Ghar article here]

[Internal link: link the Apni Zameen Apna Ghar article here]

Precautions Before You Apply

Use either apnaghar.gov.pk or a bank branch. Be very wary of fake websites.
Don’t pay any agent money. The program has no processing fee.
Ensure the details in the form match exactly with those on your CNIC and NADRA record.
The installment may differ in the 11th year, so review your budget in advance.
Confirm the list of documents with your bank.

FAQs

What is the Wazir Azam Apna Ghar program?
It’s a government-subsidized housing finance scheme whereby eligible individuals can take a loan of up to Rs. 1 crore to either purchase or construct a home.

What is the markup?
Fixed at 5% for the first 10 years and then 12-month KIBOR plus 3%.

What’s the EMI on a Rs. 1 crore loan?
Approximately Rs. 65,996 per month for the first 10 years (over a 20-year period).

How many docs are we talking about?
5 property documents plus your CNIC and proof of income. The bank may request further documentation.

Can people apply jointly?
Yes, up to 4 people can apply together.

Can overseas Pakistanis apply?
Yes, according to the SBP, NICOP, and POC holders are also eligible.

Is there a processing fee?
No, there’s no processing fee as per the reports.

Is there a final date?
No official ‘last date’ has been announced to date.

Where can I check the status of my application?
By logging in to your account at apnaghar.gov.pk

Conclusion

The Wazir Azam Apna Ghar scheme is a good option for those without a home. The 5% fixed margin, the 20-year term, and the low processing cost make it better than a standard loan. The only caveat is that the installment can be revised starting in the 11th year, so you need to work out the figures based on your own income before applying. Before applying, check the eligibility and documents, use only the official portal, and keep checking apnaghar.gov.pk for the latest information.

Sources and Official Links

Official portal: https://apnaghar.gov.pk
Aaj News / Dawn: PM Apna Ghar launch guide (30 April 2026)
Daily Pakistan: Apna Ghar installment plans (29 April 2026)
Nukta: Apna Ghar Program details (Finance Ministry documents)
ProPakistani: SBP’s FY2026-27 target, 14 October 2026 review meeting
Zameen.com News: SBP’s eligibility clarification
APP (18 October 2026): change in property documents
Askari Bank and Allied Bank (ABL): scheme page and application form
Gulf News and Zameen.com: Apni Chhat Apna Ghar conditions
State Bank of Pakistan Sunwai portal: https://sunwai.sbp.org.pk

admin

12 Posts View All Posts