Apna Ghar01
What Wazir-e-Azam Apna Ghar is — and what it is not
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.
6 min · as of 2026-03-17Read →
Scheme category
Wazir-e-Azam Apna Ghar Program
Federal markup-subsidy housing finance for first-time buyers. Guides use published terms as of the date on each article.
Federal markup-subsidy housing finance for first-time buyers. Guides use published terms as of the date on each article.
Apna Ghar02
Who can apply: first home, income, and what banks decide
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.
7 min · as of 2026-04-28Read →
Apna Ghar03
What you can buy in Lahore under the scheme
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.
8 min · as of 2026-03-17Read →
Apna Ghar04
How to apply: bank file, 15 working days, and a complete property packet
Pick a participating bank, keep the application complete, and do not start the 15-day clock with half the title papers missing.
7 min · as of 2026-04-28Read →
Apna Ghar05
Papers that help a bank file — and files you should not buy
Green Property Certificate, registered deed, society transfer. After 1 July 2026, an LDA-jurisdiction “file” is the wrong instrument.
8 min · as of 2026-08-18Read →
Apna Ghar06
After the bank says yes: do not lose the house on bayana
Sanction is not disbursement. Match the unit again, model year-11 markup, and do not park token money on a plot-only ad.
5 min · as of 2026-08-25Read →