How to Apply for Wazir-e-Azam Apna Ghar Program [Step-by-Step Application Guide]

The Wazir-e-Azam Apna Ghar Program ‘Ghar Ho Tu Apna’ allows eligible citizens to apply for affordable housing finance through an online portal.

Under the scheme, applicants can get financing of up to Rs. 10 million for buying or constructing a house.

The loan can be used to purchase a house or flat, buy a plot and construct a house, or build a house on an already owned plot.

The maximum financing tenure is 20 years, while the markup for the first 10 years is fixed at 5%.

Who Can Apply?

Applicants must be Pakistani citizens with a valid CNIC.

They must also be first-time homeowners. This means the applicant should not already own a housing unit in their name.

Applicants should also make sure they have not already taken a loan or benefit under another housing scheme.

The scheme is open to different income categories, including salaried persons, business owners, freelancers, and people with informal income sources.

Financing Limit and Tenure

Applicants can apply for financing of up to Rs. 10 million.

The available financing slabs include Rs. 2.5 million, Rs. 5 million, Rs. 7.5 million, and Rs. 10 million.

The maximum loan tenure is 20 years.

For the first 10 years, the markup rate will remain fixed at 5%. After that, the normal banking rate applicable at that time will apply for the remaining tenure.

Loan-to-Value Ratio

The minimum equity contribution is 10%.

This means the applicant must arrange at least 10% of the total amount, while the remaining 90% can be financed.

For example, if an applicant applies for Rs. 5 million, they must arrange Rs. 500,000 themselves. The remaining Rs. 4.5 million can be covered through financing.

Applicants can also contribute more than 10% if they want to reduce the loan amount.

No Processing Fee or Early Payment Charges

The scheme does not carry any processing charges.

Applicants also do not have to pay any early payment or prepayment penalty.

Therefore, applicants should not pay any money to anyone before loan approval if they are asked for processing or advance charges.

Step 1: Visit the Official Portal

To apply, visit the official portal:

apnaghar.gov.pk

Open the website and create your account.

Step 2: Create an Account

Click on Create Account.

Then enter your basic details, including your name, CNIC number, mobile number, email address, and password.

After filling in the required information, click Register.

Step 3: Log In to the Portal

After registration, log in with your CNIC and password.

Enter the security code shown on the screen and click Sign In.

Once you log in, read the instructions shown on the portal.

Then click Apply Now.

Step 4: Select Your Applicant Category

The portal will ask you to select your income category.

Choose Salaried Person if you receive a monthly salary.

Choose Business Income if you run a business.

Choose the informal or other income option if your income comes from freelancing or another non-salary source.

Make sure you select the correct category because the form and required details may depend on your income type.

Step 5: Enter Bank Details

Next, select the bank from which you want to get the loan.

Then enter the branch name and the city where the branch is located.

If you already have an account in that bank, enter your account details.

Salaried applicants should preferably use the same bank account where they receive their salary.

Enter your normal bank account number. Do not enter the IBAN if the portal asks for a simple account number.

After adding the bank details, click Save and Next.

Step 6: Select the Purpose of Financing

Now select why you need the financing.

You can choose from options such as:

• Purchase of a house or flat.
• Purchase of a plot and construction of a house.
• Construction of a house on an already owned plot.

Then enter the financing amount you want to apply for.

Step 7: Add Your Equity Contribution

Enter your equity contribution.

The minimum contribution is 10%.

However, you can add more if you want. For example, if you want to contribute 30% yourself, you can enter 30% in the form.

After that, enter the city where the property is located.

Then select your preferred loan tenure. You can choose up to 20 years.

Click Save and Next.

Step 8: Enter Personal Information

In this section, enter your personal details.

You will need to provide your CNIC issue date, date of birth, mobile number, gender, father’s name, father’s CNIC number, marital status, number of dependents, and mother’s name.

Then select your current residence status. You can choose whether you live in your own house, a rented house, a rented apartment, a hostel, with family, or another arrangement.

If you live on rent, enter your monthly rent amount. If you live with family, you can enter zero where applicable.

After that, select your province and district.

Then enter your residential address and mailing address. Both addresses can be the same.

Step 9: Add Co-Applicant Details, if Any

If you are applying with another person, such as your spouse, brother, or another eligible family member, select Yes for co-applicant.

Then enter the co-applicant’s name, relationship, CNIC number, mobile number, email address, and monthly income.

If you are applying alone, select No.

Step 10: Add Guarantor Information

Enter the guarantor’s details.

The guarantor can be a close relative, friend, or another suitable person.

You may need to enter the guarantor’s name, CNIC number, and income details.

After that, upload your photograph and click Save and Next.

Step 11: Enter Employment Details

If you are a salaried person, enter your employment details.

This includes employer name, job type, employer address, office address, designation, joining date, net monthly income, and office contact number.

You should enter your net monthly income, not gross income. Net income is the amount you receive after tax and other deductions.

The bank may use the office contact number to verify your employment.

If you previously worked in another organization, enter the previous employer’s details where required. Otherwise, you can leave it blank if the field is optional.

Click Save and Next after completing the section.

Step 12: Upload Required Documents

Now upload the required documents for Wazir-e-Azam Apna Ghar Program – ‘Ghar Ho Tu Apna’.

You may need to upload:

• CNIC front and back.
• Recent photograph.
• Employment certificate.
• Salary slip.
• Six-month bank statement.
• Account maintenance certificate.
• Next of kin CNIC.
• Co-applicant documents, if applicable.

The account maintenance certificate and six-month bank statement are separate documents. You should get both from your bank.

Make sure all uploaded files are clear and readable. You can upload them in PDF or JPG format if the portal allows it.

Step 13: Submit the Application

After uploading all documents, review your application carefully.

Then tick the confirmation box.

Finally, click Submit Application.

Your application will be submitted for further processing.

Banks Included in the Scheme

The scheme includes commercial banks, Islamic banks, microfinance banks, and House Building Finance Corporation.

Applicants can choose their preferred bank during the application process.

Key Points to Remember

The Wazir-e-Azam Apna Ghar Program ‘Ghar Ho Tu Apna’ is designed to help eligible Pakistanis buy or build their own home through subsidized housing finance.

Applicants should complete the online form carefully, upload clear documents, and avoid paying any unofficial charges.

Before applying, make sure your CNIC, bank account, income proof, employment details, and property information are accurate.

A complete and correct application can improve the chances of smooth processing.

Some important points to remember are:

• The maximum financing amount is Rs. 10 million.
• The maximum tenure is 20 years.
• The markup rate is 5% fixed for the first 10 years.
• Normal banking rates will apply after the first 10 years.
• The minimum equity contribution is 10%.
• There is no processing fee.
• There is no early payment penalty.
• Applicants must be first-time homeowners.