How to apply for Wazir-e-Azam Apna Ghar, what you can buy, and which papers matter. Filter by scheme category — more programmes will land here later.
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Featured · Apna Ghar
A subsidised bank loan for a first home, not a free house and not a government allotment. How the name changed, and why you apply at a bank.
Read the guideقرض سے پہلے قواعد پڑھیں۔ پاس کا مطلب بینک کی منظوری نہیں۔
2026-08-25 · 6 min · Rules 2026-03-17
The federal rule is first-time homeowner with a CNIC. There is no single official income floor. Your bank still runs CIB, DBR, and its own minimums.
House up to 10 marla / 2,720 sq ft, flat up to 1,500 sq ft, price that fits a PKR 10 million loan at 90% LTV. Plots alone do not qualify.
Pick a participating bank, keep the application complete, and do not start the 15-day clock with half the title papers missing.
Green Property Certificate, registered deed, society transfer. After 1 July 2026, an LDA-jurisdiction “file” is the wrong instrument.
Sanction is not disbursement. Match the unit again, model year-11 markup, and do not park token money on a plot-only ad.