# Apna Ghar scheme 2026: how to apply for the Rs 10 million 5% home loan, step by step

Source: Searchable (https://searchable.pk/guides/property/apna-ghar-scheme-how-to-apply)
Type: Guide
Author: Searchable Editorial
Published: 10 Oct 2026
Updated: 10 Oct 2026
Retrieved: 10 Oct 2026

> Who qualifies, the loan slabs, what you will pay each month before and after year 10, the documents and every step on apnaghar.gov.pk, checked against the official portal.

The **Apna Ghar scheme** (officially the **Wazir-e-Azam Apna Ghar Program, "Ghar Ho Tu Apna"**) gives first-time home buyers a bank loan of **up to Rs 10 million at a fixed 5% markup for the first 10 years**, repayable over **up to 20 years**, with only **10% of the cost paid by you**. You apply online at **[apnaghar.gov.pk](https://apnaghar.gov.pk/)** or at a branch of any of the 31-plus participating banks, and there is **no processing fee and no prepayment penalty**. Helpline: **UAN 111-742-111**.

This guide covers who qualifies, the loan amounts, what you will pay each month, the documents and the step-by-step application, with the figures checked against the official portal on 10 October 2026.

## Apna Ghar scheme at a glance

| | |
| --- | --- |
| Who can apply | First-time buyers with a valid CNIC who do not own a housing unit; overseas Pakistanis with NICOP or POC can also apply |
| Maximum loan | Rs 10 million (up to Rs 5 million through microfinance lenders) |
| Loan slabs | Rs 2.5 million, Rs 5 million, Rs 7.5 million, Rs 10 million |
| Markup | 5% fixed for the first 10 years, then the bank's market rate |
| Tenure | Up to 20 years |
| Your share | At least 10% (the bank finances up to 90%) |
| What it can buy | A house up to 10 marla (2,720 sq ft) or a flat up to 1,500 sq ft; buying a house or flat, building on your own plot, or buying a plot and building on it |
| Fees | No processing fee, no prepayment penalty |
| Decision time | Within 15 working days of a complete application, under State Bank rules |

Sources: [apnaghar.gov.pk](https://apnaghar.gov.pk/) for eligibility, limits, markup, size and fees; [Business Recorder](https://www.brecorder.com/news/amp/40432001) for the microfinance limit, overseas eligibility and the 15-day decision rule; [ProPakistani](https://propakistani.pk/2026/05/05/how-to-apply-for-wazir-e-azam-apna-ghar-program-step-by-step-application-guide/amp/) for the slabs.

## Who qualifies for the Apna Ghar loan

1. **You must be a first-time owner.** If a house or flat is already in your name, you cannot apply. You also cannot have taken a loan or benefit under another government housing scheme.
2. **You need a valid CNIC** (or NICOP or POC if you live abroad; Business Recorder reports an upper age limit of 65 for overseas applicants).
3. **Any kind of income counts.** Salaried people, business owners, freelancers and people with informal income can all apply. Without pay slips, banks look at bank statements, utility bills or even mobile top-up records, Business Recorder reported.
4. **Up to four people can apply together** and pool their income. The monthly instalment can be at most **65% of the combined income**.
5. **Bank staff are excluded at their own bank.** Since September, the State Bank has barred employees of banks, DFIs and microfinance banks from taking the loan from their own institution (see our [report on the SBP bar](/news/economy/sbp-bars-bank-staff-from-apna-ghar-5percent-home-loans-only-9717-of-60349-approv)).

## How much you will pay each month

The 5% rate holds for 10 years. After that the remaining balance moves to the bank's normal rate, which is linked to KIBOR (see today's [KIBOR rate](/data/kibor-1y)). Here is what each loan slab costs over 20 years. The second column assumes the rate rises to **12%** in year 11; that is only an example, and the real figure will be whatever KIBOR plus your bank's margin is in 2036.

| Loan | Years 1 to 10 (5%) | Balance after 10 years | Years 11 to 20 (if 12%) |
| --- | --- | --- | --- |
| Rs 2.5 million | Rs 16,499 a month | Rs 1.56 million | Rs 22,317 a month |
| Rs 5 million | Rs 32,998 | Rs 3.11 million | Rs 44,635 |
| Rs 7.5 million | Rs 49,497 | Rs 4.67 million | Rs 66,952 |
| Rs 10 million | Rs 65,996 | Rs 6.22 million | Rs 89,270 |

Run your own numbers with our [home loan calculator](/tools/finance/home-loan-calculator): enter 5% for the first period, then a higher rate to see the worst case. Because there is no prepayment penalty, paying down extra in the cheap first 10 years shrinks the balance that gets repriced.

## Documents you need

Keep clear PDF or JPG scans of:

- CNIC, front and back (NICOP or POC from abroad);
- a recent photograph;
- for salaried applicants: employment certificate and salary slip;
- a six-month bank statement and an account maintenance certificate from your bank;
- the CNIC of your next of kin;
- your guarantor's name, CNIC and income;
- co-applicants' documents, if you are applying jointly;
- property papers: registry, allotment letter or sale agreement, and for construction an approved map. Provincial district-level desks help with land records, Business Recorder reported.

## How to apply online, step by step

1. Go to **[apnaghar.gov.pk](https://apnaghar.gov.pk/)** and create an account with your name, CNIC, mobile number, email and a password.
2. Log in with your CNIC and password and click **Apply Now**.
3. Choose your income category: salaried, business, or informal and other.
4. Choose your bank, branch and city, and enter your account number (salaried applicants should use the salary account).
5. Select the purpose (buy, build, or plot plus construction) and the loan amount.
6. Enter your own contribution (at least 10%), the property's city and the tenure (up to 20 years).
7. Fill in your personal details, address and dependants, and add a co-applicant if any.
8. Add guarantor details and upload your photograph.
9. Enter employment details. Salaried applicants should enter **net**, not gross, monthly income.
10. Upload the documents, review everything and click **Submit Application**. You can track the status on the same portal.

You can also apply in person at a participating branch. The steps above follow [ProPakistani's walk-through](https://propakistani.pk/2026/05/05/how-to-apply-for-wazir-e-azam-apna-ghar-program-step-by-step-application-guide/amp/) of the portal.

## Participating banks

The portal lists **31-plus lenders**, including: Allied Bank, Askari, Bank Alfalah, Bank Al Habib, BankIslami, Dubai Islamic Bank, Faysal Bank, First Women Bank, HBL, Habib Metropolitan, JS Bank, MCB, MCB Islamic, Meezan Bank, National Bank of Pakistan, Samba, Sindh Bank, Soneri, Standard Chartered, The Bank of Khyber, The Bank of Punjab, UBL, Al Baraka, **House Building Finance Company (HBFC)** and microfinance banks such as ASA, HBL Microfinance, Khushhali, Mobilink and LOLC. Compare branches near you in our [banks directory](/businesses/banks).

## How many loans are actually being paid

Approval is the easy part. The portal's own figures, as of **25 September 2026**: **174,700 applications**, **68,500 approved** (Rs 403 billion), **21,100 rejected**, **85,100 under process**, and only **11,600 loans disbursed** (Rs 65 billion). On 9 October the Prime Minister was told approvals had reached Rs 426 billion with Rs 76 billion paid out; see our [Apna Ghar disbursement report](/news/property/apna-ghar-housing-loans-rs-426-billion-approved-only-rs-76-billion-paid-out-so).

## Mistakes that delay or sink an application

- **Entering gross instead of net salary.** The bank checks it against your statement and the mismatch stalls the file.
- **Property papers not ready.** Title checks and valuation are where most approved loans wait. Have the registry or allotment letter and, for construction, the approved map before you apply.
- **A property over the size limit.** A house over 10 marla (2,720 sq ft) or a flat over 1,500 sq ft does not qualify.
- **Paying an agent.** There is no processing fee. Anyone asking for money "to get the loan approved" is not part of the scheme.
- **Forgetting the other costs.** The loan does not pay [stamp duty](/tools/property/stamp-duty-calculator), transfer fees or [property tax](/tools/property/property-tax-calculator).
- **Not planning for year 11.** The instalment will rise when the subsidy ends; see the table above.

## Help

Call the **Apna Ghar UAN 111-742-111** or email info@pha.gov.pk, both listed on the official portal, or ask your bank's branch. Scheme terms can change; check apnaghar.gov.pk before you sign.

## Frequently asked questions

**What is the markup rate in the Apna Ghar scheme?**

5% fixed for the first 10 years; after that the remaining loan is charged at the bank's market rate for up to another 10 years.

**How much loan can I get under Apna Ghar?**

Up to Rs 10 million from banks (Rs 5 million from microfinance lenders), in slabs of Rs 2.5, 5, 7.5 and 10 million. You pay at least 10% of the cost yourself.

**How do I apply for the Apna Ghar scheme?**

Register at apnaghar.gov.pk with your CNIC, fill in the loan application, upload your documents and submit, or apply at a branch of a participating bank. Helpline: 111-742-111.

**Who is eligible for the Apna Ghar loan?**

First-time home buyers with a valid CNIC (or NICOP/POC) who do not own a housing unit, including salaried, business and informal earners. Bank staff cannot borrow from their own bank.

## Sources

- Wazir-e-Azam Apna Ghar Program, official portal (checked 10 Oct 2026) (Ministry of Housing and Works): https://apnaghar.gov.pk/
- PM's Apna Ghar Programme: Here's all you need to know (27 Jul 2026) (Business Recorder): https://www.brecorder.com/news/amp/40432001
- How to apply for Wazir-e-Azam Apna Ghar Program: step-by-step guide (5 May 2026) (ProPakistani): https://propakistani.pk/2026/05/05/how-to-apply-for-wazir-e-azam-apna-ghar-program-step-by-step-application-guide/amp/
- Rs 426 billion in loans approved under PM's Apna Ghar Program (9 Oct 2026) (ARY News): https://arynews.tv/rs-426-billion-in-loans-approved-under-pms-apna-ghar-program-so-far-pm-told

How to cite: "Apna Ghar scheme 2026: how to apply for the Rs 10 million 5% home loan, step by step", Searchable, 10 Oct 2026, https://searchable.pk/guides/property/apna-ghar-scheme-how-to-apply