Wazir-e-Azam Apna Ghar Program
After the bank says yes: do not lose the house on bayana
25 Aug 2026 · 5 min read · Rules as of 25 Aug 2026
Sanction is not disbursement. Match the unit again, model year-11 markup, and do not park token money on a plot-only ad.
Mid-2026 briefings put scheme applications near 107,000, approvals near 27,000, and disbursements a little over 6,000 by 30 June 2026 (journalists quoting SBP’s G.M. Abbasi). The gap is where people pay token money on the wrong unit, fail credit, or walk away. Mera Pakistan Mera Ghar’s 2022 freeze left a similar pile of stranded approvals. Treat subsidy as reversible.
Before you pay bayana
- Re-run size and price against the asking price on the day you pay, not the day you first looked.
- Confirm purpose: a plot ad is not a purchase loan unless construction is in the same facility.
- Scan the Property / Green Certificate QR yourself. Screenshot the LDA list result and date it.
- Ask the branch what remains for disbursement: mortgage or lien, insurance/takaful, seller’s CNIC, transfer appointment.
Model the payment shock
On 25 August 2026, 12-month KIBOR was about 11.65–12.15% on SBP’s published prints, with the policy rate at 11.50%. Year 11 at KIBOR + 3% is a different instalment from 5%. If that payment does not fit, the sanction letter is not a gift.