Check details about the Wazir Azam Apna Ghar Scheme Online Registration 2026. Here, the eligibility criteria are available. Prime Minister Shehbaz Sharif launched the Apna Ghar Programme on 30 April 2026 in Islamabad. First cheques went out to Phase 1 winners that same day. This is easily the biggest federal housing finance push in Pakistan’s history, with Rs 3.2 trillion set aside to build 500,000 homes across the country.
For years, owning a home felt out of reach for regular families. Rent kept rising. Construction costs nearly doubled. Bank loans came with markups over 22 percent. This new scheme, known as Ghar Ho Tu Apna, finally offers something workable. A fixed 5 percent markup for ten years, loans up to Rs 10 million, and repayment stretched across 20 years.
Wazir Azam Apna Ghar Scheme Loan Amounts and Monthly Payments
Four loan slabs are available depending on your income and property needs.
| Loan Amount | Monthly Installment |
|---|---|
| Rs 2,500,000 | Rs 16,499 |
| Rs 5,000,000 | Rs 32,997 |
| Rs 7,500,000 | Rs 49,497 |
| Rs 10,000,000 | Rs 65,996 |
These numbers hold steady for the first ten years. After that, the rate shifts to KIBOR plus 3 percent, so your payment could change based on market conditions at that time.
Who Can Apply for Wazir Azam Apna Ghar Scheme
You need a valid CNIC and must be a first time homeowner with no residential property already in your name. Age should fall between 25 and 60 for salaried applicants, or up to 65 for self employed ones. A clean credit history and stable income proof are required too. You’ll also need to arrange 10 percent equity yourself, so for a Rs 10 million loan, that’s Rs 1 million upfront. Owning farmland or a shop doesn’t disqualify you, this rule only applies to residential property.
Wazir Azam Apna Ghar Scheme Online Registration 2026
Getting registered is straightforward if you follow the process properly.
- Visit the official government housing portal
- Register using your CNIC, mobile number, and email
- Verify your account through the OTP sent to your phone
- Fill out personal, income, and property details
- Upload clear document scans under 2 MB each
- Choose your preferred bank from the approved list
- Submit and save your tracking ID for follow up
Also Read: CM Punjab E Bike Scheme
Banks Currently Onboard
As of now, confirmed participating banks include Allied Bank, Bank Alfalah, Bank of Punjab, HBFC, Meezan Bank, and Bank AL Habib. Banks will actually be ranked publicly based on how fast they process disbursements, with awards planned for top performers on Independence Day.
اپلائی کرنے کے لیے کلک کریں درخواست فارم چائیے تو کمنٹ کریں
FAQs
Q: What’s the maximum loan amount under this scheme? The ceiling sits at Rs 10 million, split across four different slabs based on your needs.
Q: Is this scheme completely interest free? No, it carries a fixed 5 percent markup for the first decade, unlike Punjab’s separate interest free housing scheme.
Q: How long does bank approval usually take? Banks are required to finish approvals within 15 working days once your application is complete.
Q: Can overseas Pakistanis apply too? Yes, through the Roshan Apna Ghar track, which needs a Roshan Digital Account opened with a participating bank.
Q: Does this scheme charge any prepayment penalty? Not at all, you can pay off your loan early without facing any extra charges.