The Prime Minister’s Apna Ghar Program has disbursed more than Rs 100 billion in housing loans, reaching a major milestone in the federal government’s low-cost housing initiative. As of 30 October 2026, the programme had provided Rs 104 billion to 17,697 families, with loan disbursements rising 404 percent since June 2026.
The programme offers home loans of up to Rs 10 million at a subsidised fixed markup of 5 percent for the first 10 years, repayable over up to 20 years. Applications are open online through the official portal, and the scheme is aimed at helping low and middle income families buy or build their first home.
Apna Ghar Program: Latest Figures
Figure (as of 30 October 2026)
Value
Loans disbursed
Rs 104 billion
Families financed so far
17,697
Applications received
220,715
Applications approved
90,405 (41 percent)
Total value of approved loans
Rs 533 billion
Growth since June 2026
Disbursements up 404 percent (Rs 21 billion to Rs 104 billion); approved loans up 269 percent (Rs 144 billion to Rs 533 billion)
Key Facts About the Apna Ghar Program
Programme name: Wazir-e-Azam Apna Ghar Program, also known by its slogan “Ghar Ho Tu Apna”, launched by Prime Minister Shehbaz Sharif in April 2026.
Maximum loan: Up to Rs 10 million, limited to 90 percent of the property’s cost or Rs 10 million, whichever is less.
Markup rate: A subsidised fixed customer markup of 5 percent for the first 10 years. After that, market rates apply, set at 1-year KIBOR plus 3 percent.
Repayment period: Up to 20 years.
What it covers: Purchase and construction of residential properties, including houses, flats and apartments.
Who it is for: Low and middle income families, including salaried individuals, self-employed professionals and small business owners buying or building their first home.
Programme size: Backed by a government allocation of Rs 3.2 trillion, the five-year programme aims to finance the construction of 500,000 homes across Pakistan.
Where to apply: Applications are submitted online through the official portal, apnaghar.gov.pk, or through participating banks. The scheme is implemented through commercial banks, Islamic banks, microfinance institutions and the House Building Finance Company.
Not the same as Punjab’s scheme: This federal programme is separate from Punjab’s Apni Chhat Apna Ghar scheme, which offers a Rs 1.5 million interest-free loan. Do not confuse the two when applying.
Visit the official portal: Go to apnaghar.gov.pk, the only official federal registration website for this programme.
Register with your CNIC: Create your account using your CNIC and mobile number.
Check your eligibility: Confirm that you meet the programme’s conditions as a first-time homebuyer before submitting.
Choose your bank: Select your preferred participating bank or financial institution to process the case.
Submit your documents: Upload the required documents, including your CNIC, proof of income and basic property papers.
Track your application: Follow your application status online through the official portal.
What the Rs 100 Billion Milestone Means
The figures were shared by Khurram Schehzad, Advisor to the Finance Minister. The sharp rise since June 2026, from Rs 21 billion disbursed to Rs 104 billion, shows the programme is now reaching families at a much faster pace. With 90,405 applications approved out of 220,715 received, about 41 percent of applicants have been approved so far, and the total value of approved loans has reached Rs 533 billion.
For families still waiting, the milestone is a sign that funds are flowing. Applications remain open, and no closing date has been announced. Anyone planning to apply should use only the official portal and their chosen bank, and should not pay any agent or middleman for registration.
Conclusion
The Apna Ghar Program has crossed Rs 100 billion in disbursed housing loans, with 17,697 families already financed and 90,405 applications approved. With loans of up to Rs 10 million at 5 percent markup for the first 10 years and a 20-year repayment period, it remains one of the most affordable routes to owning a first home in Pakistan. Eligible families can apply online through the official portal while applications remain open.
How much loan can I get under the Apna Ghar Program? Up to Rs 10 million, limited to 90 percent of the property’s cost or Rs 10 million, whichever is less.
What is the markup rate for the Apna Ghar Program? The customer markup is fixed at 5 percent for the first 10 years. After that, market rates apply, set at 1-year KIBOR plus 3 percent.
How do I apply for the Apna Ghar Program online? Apply through the official portal at apnaghar.gov.pk using your CNIC and mobile number, then choose your preferred participating bank and upload the required documents.
How much has the Apna Ghar Program disbursed so far? As of 30 October 2026, the programme had disbursed Rs 104 billion to 17,697 families, with Rs 533 billion worth of loans approved.
Is the Apna Ghar Program the same as Punjab’s Apni Chhat Apna Ghar scheme? No. The Apna Ghar Program is a federal scheme offering loans up to Rs 10 million at 5 percent markup. Punjab’s Apni Chhat Apna Ghar is a separate provincial scheme offering a Rs 1.5 million interest-free loan.
Shahzad Sahil is the editor of lahorejobs24.com, covering government jobs, private jobs, bank jobs, results and education news for Lahore and Punjab, with information verified from official sources.
