# Apna Ghar housing loans pass Rs 100 billion paid out: Rs 104bn to 17,697 families, Rs 533bn approved

Source: Searchable (https://searchable.pk/news/property/apna-ghar-housing-loans-approved-and-disbursed)
Type: News article
Author: Searchable Editorial
Published: 10 Oct 2026
Updated: 5 Nov 2026
Retrieved: 5 Nov 2026

> Payouts are five times June's level, but only about a fifth of approved money has reached borrowers. The 5% loan terms are unchanged.

**Update, Thursday 5 November 2026: Apna Ghar disbursements have passed Rs 100 billion.** As of **30 October 2026**, banks had paid out **Rs 104 billion to 17,697 families** and approved **Rs 533 billion** in loans, Khurram Schehzad, adviser to the finance minister, said in figures [reported by ProPakistani](https://propakistani.pk/2026/11/05/cheap-housing-loan-disbursements-cross-rs-100-billion/).

| Apna Ghar, as of 30 October 2026 | Figure |
|---|---|
| Applications received | 220,715 |
| Applications approved | 90,405 (41%) |
| Value of approved loans | Rs 533 billion (Rs 144 billion in June) |
| Loans paid out | Rs 104 billion (Rs 21 billion in June) |
| Families financed | 17,697 |

Payouts have grown about fivefold since June (Schehzad put the rise at 404%), but the gap the prime minister complained about in October is still wide: **roughly one rupee in five of approved money has reached borrowers**, and only one approved applicant in five has been paid. That works out to an average of about **Rs 5.9 million per family financed**.

**The loan terms are unchanged:** up to **Rs 10 million**, repayable over **20 years**, at a fixed subsidised markup of **5% for the first 10 years**, then the market rate, through commercial and Islamic banks, microfinance banks and the House Building Finance Company. On Rs 5.9 million over 20 years at 5%, the monthly instalment is about **Rs 38,900**; run your own numbers on our [home loan calculator](/tools/finance/home-loan-calculator). Our step-by-step guide covers [how to apply for the Apna Ghar 5% loan](/guides/property/apna-ghar-scheme-how-to-apply).

---

*Earlier, 9 October 2026:*

Banks have approved **Rs 426 billion in housing loans** under the Prime Minister's **Apna Ghar** programme, but only **Rs 76 billion has actually been disbursed**, Prime Minister Shehbaz Sharif was told at a meeting with bank heads on Friday 9 October 2026, [ARY News reported](https://arynews.tv/rs-426-billion-in-loans-approved-under-pms-apna-ghar-program-so-far-pm-told).

The programme's financing target is **Rs 700 billion**, enough to support the building or purchase of about **125,000 homes**. Approvals are past 60% of that, but money in borrowers' hands is about 11% of the target.

## What the PM ordered

The prime minister directed the **State Bank of Pakistan** to simplify how housing loans are approved and paid out, and said consultations are under way on a framework to help **developers** get financing, ARY reported. The gap between approval and disbursement usually comes from the steps after a loan is sanctioned: title checks, valuation, construction-stage releases and, for new builds, the developer's own approvals.

The meeting was attended by Finance Minister Muhammad Aurangzeb, SBP Governor Jameel Ahmad and the heads of National Bank, HBL, UBL, Meezan Bank, Bank Alfalah, Standard Chartered, the Bank of Punjab, BankIslami and House Building Finance Corporation.

## The other loan schemes reviewed

| Programme | Lent so far | Borrowers | Target by June 2027 |
|---|---|---|---|
| Apna Ghar housing | Rs 426 billion approved, Rs 76 billion paid | not given | Rs 700 billion, 125,000 homes |
| Small business (SME) | Rs 1,137 billion | 350,862 | Rs 1,500 billion, 565,000 borrowers |
| Agriculture | Rs 1,352 billion | 3.46 million | Rs 1,500 billion, 4.5 million farmers |

The farm lending figure matches the State Bank data we covered on Friday in our [farm loan report](/news/economy/rs-15-trillion-farm-loan-target-by-june-2027-rs-1352-billion-lent-346-million).

## If you are applying for a housing loan

- **Ask your bank for the disbursement timeline in writing,** not just the approval. For a house under construction, money is usually released in stages against inspections.
- **Keep the property papers ready before you apply:** the registry or allotment letter, the approved map for construction, and the seller's documents. Most delays come from title verification.
- **Work out the monthly instalment first.** Our [home loan calculator](/tools/finance/home-loan-calculator) shows the instalment for any amount, rate and term, and the [stamp duty calculator](/tools/property/stamp-duty-calculator) and [property tax calculator](/tools/property/property-tax-calculator) cover the costs of the transfer.

The meeting did not announce any change to the scheme's markup rates or loan limits. Check the terms with your bank before applying.

## Frequently asked questions

**How much has been lent under the Apna Ghar programme?**

As of 30 October 2026, Rs 104 billion had been paid out to 17,697 families and Rs 533 billion approved, according to the finance minister's adviser Khurram Schehzad.

**What are the Apna Ghar loan terms?**

Up to Rs 10 million over 20 years at a fixed 5% markup for the first 10 years, then the market rate.

## Sources

- Rs. 426 billion in loans approved under PM's Apna Ghar Program so far: PM told (ARY News): https://arynews.tv/rs-426-billion-in-loans-approved-under-pms-apna-ghar-program-so-far-pm-told
- Cheap Housing Loan Disbursements Cross Rs. 100 Billion (5 Nov 2026) (ProPakistani): https://propakistani.pk/2026/11/05/cheap-housing-loan-disbursements-cross-rs-100-billion/

How to cite: "Apna Ghar housing loans pass Rs 100 billion paid out: Rs 104bn to 17,697 families, Rs 533bn approved", Searchable, 5 Nov 2026, https://searchable.pk/news/property/apna-ghar-housing-loans-approved-and-disbursed