Schemes PK

Aadil Shezad

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Apna Ghar Program: Rs10m Home Loan at 5% Markup

The Wazir-e-Azam Apna Ghar Program gives first-time home buyers in Pakistan up to Rs10 million in bank financing at a fixed 5% markup for the first 10 years, repayable over 20 years with a 10% down payment. It covers houses up to 10 marla and flats up to 1,500 sq ft. You apply free at apnaghar.gov.pk, choose a participating bank, and the government pays the difference between 5% and the bank's rate.

Written by Aadil Shezad · Updated 9 Oct 2026

Apna Ghar Program at a glance

The Apna Ghar Program, branded "Ghar Ho To Apna", is a federal markup subsidy and risk-sharing scheme launched by Prime Minister Shehbaz Sharif on 30 April 2026 to put home ownership within reach of low and middle-income households.

Launched30 April 2026
Maximum financingRs10 million
Your markup rate5% a year for the first 10 years from disbursement; one-year KIBOR + 3% from year 11 to maturity
TenureUp to 20 years
Down payment10% (financing covers 90%)
Property limitHouse up to 10 marla · flat up to 1,500 sq ft
Processing feeNone. No prepayment penalty either
Apply atapnaghar.gov.pk
Year-1 target50,000 homes, Rs321 billion in financing
Four-year target500,000 homes

Who can get an Apna Ghar loan?

The Apna Ghar Program is for Pakistani citizens with a valid CNIC: you must not own a house or flat anywhere in Pakistan. Owning a plot is not a bar, because building on land you already own is one of the programme's purposes. Salaried employees, business owners, freelancers and people with informal income can all apply, and banks may use estimated-income models where salary slips do not exist.

The programme's published criteria admit "all Pakistanis holding valid CNIC (not owning any flat or house)", and banks take a written undertaking that the applicant does not own any house or residential property in Pakistan. An applicant who already owns a house or flat, or who has taken a subsidised housing loan under an earlier government scheme, does not qualify. The applicant must hold a valid CNIC, and each person can use the subsidy once.

Full conditions, including age, income and co-applicant rules: who qualifies for the Apna Ghar Program.

What the loan costs each month

The full cost of a Rs10 million Apna Ghar loan over 20 years at 5 per cent markup A single bar split in two. Rs10,000,000 is the amount borrowed for the house and Rs5,838,938 is the markup, giving Rs15,838,938 repaid in all at Rs65,996 a month for 240 months. A smaller bar below shows Rs1.1 million of equity, 10 per cent of the property, which the buyer pays before the loan starts, along with transfer and registration costs. Calculated by SchemesPK on a reducing-balance basis at 5 per cent for the full 20 years, which is the best case; the markup rises after year 10. What Rs10 million costs over 20 years at 5% The loan is the dark part. The markup is the rest. Rs10,000,000 borrowed the house Rs5,838,938 markup the cost of borrowing Rs15,838,938 repaid in all, at Rs65,996 a month for 240 months. Rs1,100,000 equity, paid before the loan starts 10% of the property, plus transfer and registration, which the loan does not cover. Calculated by SchemesPK on a reducing-balance basis at 5% for the full 20 years, which is the best case. The markup rises after year 10, so the real total will be higher.
The full cost of borrowing Rs10 million at 5% over 20 years, and the equity you pay before any of it starts. Instalment and markup calculated by SchemesPK on a reducing-balance basis.

At the subsidised 5% markup, a Rs10 million loan over 20 years works out at roughly Rs66,000 a month during the subsidised years. Shorter tenures cost more per month but far less in total markup.

Financing10 years15 years20 years
Rs1 million~Rs10,600~Rs7,900~Rs6,600
Rs5 million~Rs53,000~Rs39,500~Rs33,000
Rs10 million~Rs106,000~Rs79,000~Rs66,000

Monthly figures at 5% markup, rounded. After year 10 the rate moves to KIBOR + 3%, so the instalment changes. Work out your own figure on the Apna Ghar instalment calculator.

How to apply for the Apna Ghar Program

  1. Step 1

    Create an account at apnaghar.gov.pk using your CNIC, name, mobile number and email.

  2. Step 2

    Start an application and pick your income category: salaried, business or informal.

  3. Step 3

    Choose a bank from the participating list and enter branch details.

  4. Step 4

    Select the purpose: buying a house or flat, buying a plot and building on it, or building on a plot you own.

  5. Step 5

    Enter your equity (at least 10%) and the tenure you want.

  6. Step 6

    Add personal, guarantor and employment details, plus a co-applicant if you have one.

  7. Step 7 · Final step

    Upload documents and submit. There is no application fee.

Screen-by-screen walkthrough and the document checklist: how to apply online at apnaghar.gov.pk.

Which banks give Apna Ghar loans?

All commercial banks, Islamic banks, microfinance banks and the House Building Finance Company take part. Your application is routed to the bank you select, and that bank does its own credit assessment.

For the first 10 years from disbursement the borrower pays 5% a year and nothing more. Banks price the loan at one-year KIBOR plus 3%, and the federal government pays the difference as a markup subsidy for the first 10 years and carries 10% first-loss risk coverage on the outstanding portfolio, which is what persuades banks to lend to lower-income applicants.

See the list and what to weigh when choosing: banks offering Apna Ghar loans.

What you can buy with it

  • A house up to 10 marla, or a flat or apartment up to 1,500 sq ft
  • A plot, together with construction on it
  • Construction on a plot you already own

Rules on plot size, location, approved projects and title documents: Apna Ghar property and construction rules.

Where the program stands now

As of 9 September 2026, the Apna Ghar Program had received 147,504 applications, of which 53,127 were approved with a value of Rs313.42 billion, while Rs45.43 billion had actually been disbursed to 8,739 applicants. The gap between approvals and disbursements reflects the time taken to verify property titles and complete bank paperwork.

Our read: approval is not the slow part. Roughly one in three applications is approved, but only about one in six approved applicants had money in hand by early September. Expect the property and documentation stage to take longer than the form itself, and keep title papers ready before you apply.

Latest figures and policy changes: Apna Ghar Program updates.

Common questions

Is the 5% rate fixed for the whole loan?

No. You pay 5% for the first 10 years from disbursement. From year 11 to maturity the rate becomes one-year KIBOR + 3%, which moves with the market.

Can I apply if I own a plot but no house?

Yes. The test is a house or flat: you must not own a house or flat anywhere in Pakistan. Building on a plot you already own is one of the allowed purposes. The undertaking banks ask you to sign refers to a house or residential property, so if your plot is your only holding, confirm your own case with the bank before applying.

Is there any fee to apply?

No. There is no processing fee and no penalty for paying the loan off early.

Can two family members apply together?

You can add a co-applicant, which banks often require to support repayment capacity. The subsidy itself is one per person.

Sources

SchemesPK is an independent guide and is not affiliated with the Government of Pakistan. Official website: apnaghar.gov.pk.