The Wazir-e-Azam Apna Ghar Scheme 2026 (also known as Ghar Ho Tu Apna Scheme) is a major initiative by the Government of Pakistan to help citizens own affordable homes through easy bank financing and low markup rates. Apply online for the Wazir-e-Azam Apna Ghar Scheme through the official portal apnaghar.gov.pk. Simply visit the website, create your account using CNIC and mobile number, log in, and fill out the online loan application form.
Wazir e Azam Apna Ghar program provides long-term PM housing loans (up to 20 years) with a subsidized 5% markup for the first 10 years, making it easier for low and middle-income families to build or purchase their own house.
Wazir e Azam Apna Ghar Scheme 2026 Complete Guide (Online Apply, Eligibility, Calculator)
The Wazir-e-Azam Apna Ghar Scheme 2026 is one of the best opportunities for Pakistani citizens to own a home with easy installments and government support. Whether you want to build, buy, or invest in housing, this scheme provides a reliable financing solution.
Key Features of Apna Ghar Scheme 2026
- 🏡 House up to 10 Marla (2720 sq. ft.)
- 🏢 Flat up to 1500 sq. ft.
- 💰 Loan up to PKR 10 Million
- 📉 5% markup (first 10 years subsidy)
- ⏳ Loan tenure: Up to 20 years
- 📊 90% loan – 10% applicant contribution
- 🚫 No processing fee & no prepayment penalty
Financing Options Prime Minister Apna Ghar Scheme
Under the Prime Minister Apna Ghar Scheme, you can apply for:
- ✔️ Purchase of house or flat
- ✔️ Construction on your own plot
- ✔️ Purchase of plot + construction
Banks like Allied Bank Limited and Habib Bank Limited (HBL Apna Ghar Scheme) are participating and processing applications.
Eligibility Criteria PM Apna Ghar Scheme
To apply for Wazir-e-Azam Apna Ghar Program 2026, you must:
- 🇵🇰 Be a Pakistani citizen with valid CNIC
- 🏠 Not own any house/property in your name
- 💵 Minimum monthly income: Rs. 37,000
- 👨💼 Salaried OR self-employed applicants allowed
- 🎂 Age limit:
- Salaried: up to 60 years (at loan maturity)
- Self-employed: up to 65 years
PM Apna Ghar Scheme Required Documents
Applicants must submit:
- CNIC copy
- Income proof (salary slip / business proof)
- Bank statements
- Property documents (if applicable)
- Filled application form (Green / Blue / Pink category)
- Consent & undertaking forms
Read: CM Punjab Laptop Scheme 2026 Registration Online Apply Last Date
Apna Ghar Scheme Online Registration 2026
To apply online:
- Visit the official bank or housing scheme portal
- Select Apna Ghar Scheme Registration
- Fill application form (based on your category)
- Upload required documents
- Submit application
- Track status via bank or portal
👉 You can also apply physically by visiting designated branches of ABL, HBL, and other partner banks.
Wazir-e-Azam Apna Ghar Scheme Calculator
Before applying, you can use the Apna Ghar Scheme Calculator to estimate:
- Monthly installment
- Total loan cost
- Markup rate impact
- Loan tenure breakdown
💡 The calculator helps you decide affordability based on your income.
Example Calculation
| Loan Amount | Markup | Tenure | Monthly Installment |
|---|---|---|---|
| 10,000,000 | 5% | 20 Years | ~Rs. 66,000–70,000 |
(Actual installment may vary depending on bank policies)
Benefits of Ghar Ho Tu Apna Scheme
- ✔️ Affordable home ownership
- ✔️ Low markup financing
- ✔️ Long repayment period
- ✔️ Accessible for salaried & self-employed
- ✔️ Government-backed subsidy
Apna Ghar Scheme 2026 – Participating Banks List
Microfinance Banks
| # | Bank Name |
| 25 | ASA Pakistan Microfinance Bank |
| 26 | HBL Microfinance Bank |
| 27 | Khushhali Microfinance Bank |
| 28 | Mobilink Microfinance Bank |
| 29 | LOLC Microfinance Bank |
| 30 | U Microfinance Bank |