Latest Government of Pakistan Scheme 2026 – Wazir e Azam Apna Ghar Program launched under #GharHoToApna initiative. This is the biggest home loan scheme in Pakistan to buy or construct small houses. Under the Prime Minister Housing Loan Scheme 2026, eligible citizens can now get easy home loans up to Rs. 10,000,000 with 20 years easy repayment and special subsidy. If you are searching for Home Loan in Pakistan 2026, Low Markup Housing Loan, PM Loan Scheme, Apna Ghar Scheme, or House Building Finance, this is the best opportunity.
Scheme Overview
| Scheme Name | Wazir e Azam Apna Ghar Program 2026 – Prime Minister Housing Scheme |
| Launched By | Government of Pakistan – Ministry of Housing & Works, PHA Foundation |
| Maximum Loan Amount | Up to Rs. 10,000,000 – One Crore Rupees |
| Loan Tenure | Up to 20 Years Easy Monthly Installments |
| Markup / Subsidy | 3.3% KIBOR Subsidy – Special Subsidy for Low Income Families |
| Purpose | Purchase or Construction of House / Flat Across Pakistan |
| Official Website | www.apnaghar.gov.pk |
| UAN Helpline | 051-111-742-111 |
Key Features of Wazir e Azam Apna Ghar Loan Scheme 2026
- Loan Up to 1 Crore: Get home financing from Rs. 500,000 to Rs. 10,000,000 under PM Apna Ghar Program.
- 20 Years Easy Repayment: Pay back your housing loan in Pakistan in small monthly installments over 20 years.
- 3.3% KIBOR Special Subsidy: Government of Pakistan will provide markup subsidy to reduce your monthly installment burden.
- For All Pakistan: Scheme available for construction or purchase of house in cities across Pakistan.
- Low Income Families Focus: Special priority and subsidy for low and middle income families under PM Housing Scheme.
- First Installment – House Ownership: Become owner of your house by paying just the first installment – “Ek kist do, ghar ke malik ban jao”.
Eligibility Criteria for PM Apna Ghar Housing Loan 2026
- Nationality: Must be a Pakistani citizen with valid CNIC.
- Age Limit: 25 to 60 years for salaried, up to 65 years for self-employed.
- Income: Salaried persons, businessmen, and self-employed individuals can apply for home loan scheme.
- First Time Buyer: Preference to applicants who do not own a house already.
- Property: Loan for purchase of flat, house, or construction on owned plot.
- Documentation: Income proof, bank statements, NTN, property documents required.
How to Apply for Wazir e Azam Apna Ghar Program 2026 – Step by Step
Follow this process to apply for PM Home Loan Scheme 2026:
- Visit Official Website: Go to www.apnaghar.gov.pk for online application.
- Check Eligibility: Use the online eligibility calculator to check loan amount and installment.
- Fill Application Form: Complete the Apna Ghar Loan Application Form with personal, income, and property details.
- Attach Documents: Upload CNIC, salary slips/business proof, bank statements, NTN, and property papers.
- Submit to HBFCL: Applications can also be submitted at House Building Finance Company Limited HBFCL branches across Pakistan.
- Verification & Approval: PHA Foundation and partner banks will verify documents and approve housing finance.
- Loan Disbursement: After approval, loan will be disbursed and you can buy or construct your house.
- Helpline: For queries call UAN 051-111-742-111.
Partner Banks for Apna Ghar Scheme 2026
This Prime Minister Loan Scheme is implemented through PHA Foundation in partnership with:
- House Building Finance Company Limited HBFCL
- National Bank of Pakistan NBP
- Other Commercial Banks as per SBP instructions
Why Choose Wazir e Azam Apna Ghar Program?
- Lowest Markup: 3.3% KIBOR subsidy makes it the cheapest home loan in Pakistan
- Long Tenure: 20 years repayment – lowest monthly installment in Pakistan
- High Loan Limit: Up to 1 Crore – buy or construct house in major cities
- Government Backed: Secure and transparent process under PHA Foundation & Ministry of Housing
- Quick Processing: Simplified documentation and fast approval for eligible families
Important Instructions
- Only apply through official website www.apnaghar.gov.pk or HBFCL branches.
- Do not pay any agent or person for loan approval. This PM Housing Scheme is free.
- Read all terms & conditions on PHA Foundation website before applying.
- Loan approval is subject to SBP regulations and bank’s credit policy.
Disclaimer: This information is published from Government of Pakistan’s official advertisement for Wazir e Azam Apna Ghar Program. For complete details and application, visit www.apnaghar.gov.pk or call 051-111-742-111.
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