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

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 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

Sources: apnaghar.gov.pk for eligibility, limits, markup, size and fees; Business Recorder for the microfinance limit, overseas eligibility and the 15-day decision rule; ProPakistani 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).

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). 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.

Run your own numbers with our 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 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 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.

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.

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, transfer fees or property tax.
• 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.