The federal government has unveiled a major housing finance package under the Apna Ghar Program today for expanding homeownership opportunities across Pakistan, according to official documents.
Under the proposed scheme, eligible applicants will be able to obtain housing financing of up to Rs. 10 million for a repayment period of 20 years.
The program will offer multiple financing slabs, allowing borrowers to access loans of Rs. 2.5 million, Rs. 5 million, Rs. 7.5 million, or Rs. 10 million, depending on eligibility and repayment capacity.
The financing structure includes a fixed markup rate of 5 percent for the first 10 years, after which the remaining tenure will be subject to the prevailing market-based markup rate.
Estimated monthly installments under the scheme are:
- Rs. 16,499 per month for a Rs. 2.5 million loan
- Rs. 32,997 per month for a Rs. 5 million loan
- Rs. 49,497 per month for a Rs. 7.5 million loan
- Rs. 65,996 per month for a Rs. 10 million loan
To qualify, applicants must hold a valid national identity card and must not already be heavily indebted.
Eligibility, Apartment Sizes
The Apna Ghar Program is exclusively designed for first-time homebuyers. To qualify, an applicant must have a valid CNIC and must not currently own any housing unit.
The scope of the financing is broader than just standalone houses. In addition to purchasing a 10-Marla plot for construction or a 10-Marla ready-built house, eligible citizens can also utilize the loan to purchase an apartment of up to 1,500 square feet.
Interested applicants are encouraged to submit their applications online exclusively through the official digital portal at www.apnaghar.gov.pk or at designated desks within participating bank branches across the country.
The loan can be used to purchase a 10-marla residential plot or acquire a constructed house of a similar size. Financing will cover up to 90 percent of the property value under the government scheme, while applicants will arrange the remaining 10 percent themselves.
Housing loans will be available through Islamic banks, commercial banks, microfinance banks, and the House Building Finance Company.
Importantly, applicants will not be required to pay any processing fee or upfront payment before loan approval.
The program will be jointly monitored by the State Bank of Pakistan and the Pakistan Housing Authority Foundation to ensure transparency and implementation oversight.
Applications will be submitted online through a digital portal managed by the Ministry of Finance, and final loan approval is expected within one month after submission of a complete application.
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Houses cost alot more than That.
Making housing affordable instead of mortgage. It’s predatory
Just bought a house 3.5 marla 2 story constructed for 4.5 million in Lahore and have rented it out at 40k so if any person gets this loan approved he might be well of then just living on rent
Not possible in lhr don’t tell lie
Where you bought exactly. Which location please? Can this loan be used to buy a house and then use as a rental space to earn and repay ?
Drama
10 million isn’t going to do anything. These loans will only increase demand. Gov should work on new construction. Make more cities like Islamabad.
10 million although a big deal , but tha case is that in SIALKOT in average or slightly better locality ,society house of 5 Marla started from 16 to 17 million.
Govt should also consider and address this issue as well
Sir yi to un k keyi hy jo maldar party hain ap ke tarhan yani un ko 10 Marla ya us say ziyada ka matlab hy ghareeb na lay sakay kiyon k Karachi me kda ya mda say manzoor shoda zameen mehngi hoti hain or 10 Marla ka matlab 90 lac say oper or ghareeb plot lay ga to ghar kab banai ga jab Mar jai ga awaam ko dhokha na de
Brother yeh UpTo 10 marlas ha Jis ja matlb ha k zada say zada 10 Marla ho sckta ha wasay to 2 Marla b lay sckty hn
اتنے پیسوں سے حکومت خود گھر بناکر بے گھر لوگوں کو کیوں نہیں دیتی
Another fraud scheme by government of mandate thieves criminals 😆
my is deaf disability, wife disability pao yes I am v many poors yes, rents home, bills etc, v thanks brother 🙏🏿 ❤️👍, whatapp 0307 4384106 cnic, age 62, jazzcash
Plz my humble request to All government members and authorized members and all parliament members plz suggest Islamic rules loan no markup any condition so let we can see our country well growth and ALLAH KARIM helps us any conditions any where plz do something
The loan is based on interest or Islamic rolls and regulations?
In village areas plot of 10 Marlas price is 2 million and construction on 10 Marlas eats 10 millions, so a villager will require 102 million.
Dear concerned, as per your estimates, a housing unit in village is not more than 12 million rather than 102 million.
Kia koi age limit ha. Mn ne taqreeban 40 saal GOP ki khidmat ki mgr na plot mil saka na ghr ban saka. FEGHF har phase mn criteria change krti rahi aur ham out hote chale ga. Ab to Foundation ko authority bana diya gia ha jo ek real estate authority ban gai ha. Mn 75 saal ka hn kia is offer se faida utha sakta hn. Pl zaroor guide kren.
Great work for home less people v nice
Balochistan walo ke Liye hai ya only Panjab or Ghar banane ke Liye mileage ya plot lekar Ghar banwane ke liye
Is the provincial retired officers are eligible or other wise
It is pertinent to mention, that in Karachi city neither an apartment nor a plot can be purchased in Rs.1o million.
Is this valid for private/ NOC approved housing society ?
شکاری ہر بار نیا جال بننے ہیں
پہلے پانچ سال پانچ فیصد
جب شکار پھنس جائے تو شکاریوں کے رحم و کرم پر چھوڑ دیں
بینکوں سے لیا گیا قرض وہ خوبصورت جال ہے جو پھنس گیا دوبارا آذاد نہیں ہوا
مافیاز راج بینکاری جو بڑے مگرمچھوں کو معاف کر دیتی ہے اور چھوٹوں سے خودکشیاں کروانے ہیں
اتنے پیسوں سے حکومت خود گھر بناکر بے گھر لوگوں کو کیوں نہیں دیتی
اندھیر نگری چوپٹ راج۔۔پہلے دس سال 5فیصد سود اور اسکے بعد جتنا حکومت مرضی چاہیے لے تب آپ پھنس چکے ہونگے ۔کوئی زبردستی کے چوکیدار سے پوچھے بغیر ووٹوں کے اقتدار جیسی مقدس چیز کروڑپتی وڈیروں کو دے سکتے تو غریبوں کو بغیر سود کے کیوں کچھ نہیں ملتا مقبوضہ پاکستان میں۔
Can any body tell, at 25 lakh loan, how much govt will pay and how much by customer. Rs 16,499 monthly instalment is more for individuals having less than 100,000 pay
After 10 years it will be converted to market rate. That will not be feasible on 1 crore loan as the borrower will pay just 4 million in 10 years. Government should think of increasing mark up rate slightly from 5%.
Assalamualaikum,
Gov ko awamki itni hi fikar to un chezo ka rate Kam karay jiski waja say awam parayshan hayn bunyadi ashyao ka rate Kam kardo Ghar kliay Zameen hum KHUD purchase karlayna gay k apki mehrbani, awam karzoo may daba kar aur mazeed khowar na karo
Sab jhut ha Kuch NI milta garrebo ko
Website is not open
Ye unko dia jarha h Jo account holder he. Bank statement chahye 3 sal ka record chahye apka
Pm sahab ap ne jo 10 Marla k plot ka option rakha hy is ka matlab yi hy ghareeb na lay sakay Karachi me 10 Marla 250 ghaz zameen or Karachi me lease zameen 10 million ke zameen ai ge baki banai ga kahan say or khai ga kiya wo to qarz denay me lag jai ga Karachi me 60 ghaz 80 ghaz 100 ghaz 120 ghaz lay ker bana saktay hain pr is say ziyada nahe is 10 marlay k options ko khatam kerin yi to na denay wali bat hy
We appreciate this initiative
I m above 60 years and retd govt officer. Am i eligible for this progm?
Dear sir
My name is Danish I want to apply for New Housing Loan Plan to Own a House
Salam ye acha qadam hey garib awam key liey
Website is not operative its seems to be a lolly pop
Ya ek achey sachem h par loon lenay k Lea formality kia heen
5000000 apna gar