Last reviewed: 12 August 2026. This guide is independent information, not an application portal or government announcement. Programme rules, dates, financing, eligibility, and payment decisions can change. Verify current details with the official agency before submitting personal information or paying anyone.
Use the official programme name
The official federal housing portal currently presents the programme as the Wazir-e-Azam Apna Ghar Program – “Ghar Ho Tu Apna”. This article uses that name because it is the name displayed on the official portal. Readers should be cautious with pages using a different title, promising guaranteed approval, or sending applicants to an unrelated registration website.
The official portal says the programme can support the purchase of a flat or house, plot plus construction, or construction of a housing unit. It is a financing programme, not a grant that automatically pays for a home. A bank or participating institution still assesses the applicant and the property under the programme’s rules.
Eligibility information shown on the official portal
The portal states that first-time homebuyers across Pakistan who hold a valid CNIC and do not own a housing unit are eligible to apply. This is a general programme description, not a guarantee that every applicant will be approved. The participating institution may request documents, assess repayment ability, examine the property, and apply other terms shown in the current programme documents.
Because housing rules can be revised, check the official terms and conditions before relying on an eligibility statement. Do not treat the older phrase “Apna Ghar Mehfooz Loan” as a separate official programme unless an official government source uses that exact name.
Financing information currently displayed
At the time of this review, the official portal displays the following headline information:
- Loan tenure of up to 20 years.
- Financing of up to Rs. 10 million.
- A 5% fixed markup for the first 10 years, followed by the market rate for the remaining period, according to the portal.
- Financing scope up to a 10-marla house or a 1,500-square-foot apartment.
- A 90% loan-to-value ratio, with a 10% borrower contribution shown on the portal.
- No processing fee and no prepayment penalty, subject to the current official terms.
These are programme-level details published by the official portal. They are not a personalised offer. Ask the participating bank or housing-finance institution to explain the applicable rate, repayment schedule, documentation, valuation, insurance, and other costs before signing anything.
How to apply safely
- Open the official portal at apnaghar.gov.pk.
- Read the current programme information and terms and conditions.
- Use the portal’s official Apply Now link rather than a link sent by an agent.
- Choose a participating institution shown on the official portal.
- Provide accurate identity, income, property, and contact information when requested by the institution.
- Keep copies of the application, receipts, and correspondence. Never pay a person who promises guaranteed approval or asks for a payment through a personal wallet.
Participating institutions and property scope
The portal lists commercial banks, Islamic banks, microfinance banks, and the House Building Finance Company Limited among participating institutions. The current list should be checked on the official site because participating institutions and processes can change. The programme’s displayed scope includes buying a home, buying a plot and constructing, or constructing a housing unit, but the institution’s assessment determines whether a particular application and property qualify.
Documents applicants should prepare
The exact checklist comes from the selected institution. Applicants should expect identity and income verification and may need property documents or construction information depending on the chosen financing purpose. Prepare documents only through the official application process. Do not upload a CNIC to an unverified page and do not send a one-time password to an intermediary.
Common mistakes to avoid
- Using an unofficial page that imitates the programme name.
- Assuming the financing is a cash grant rather than a loan.
- Ignoring the difference between the fixed markup period and the later market-rate period.
- Failing to read the current terms before committing to repayment.
- Paying an agent for a guaranteed approval or a faster application.
Frequently asked questions
Is this a guaranteed government loan?
No. It is a government housing-finance programme delivered through participating institutions. Approval remains subject to the current terms and the institution’s assessment.
Can an existing homeowner apply?
The official portal describes eligibility for first-time homebuyers who do not own a housing unit. Check the current terms for your circumstances.
Where should I apply?
Start at the official portal and use its registration link: apnaghar.gov.pk/register.
Official sources
- Wazir-e-Azam Apna Ghar Program official portal
- Official terms and conditions
- Official registration page
Related guides
For related public-service information, see our BISP payment-problems guide and our farmer-support guide.