Wazir-e-Azam Apna Ghar Program
Papers that help a bank file — and files you should not buy
25 Aug 2026 · 8 min read · Rules as of 18 Aug 2026
Green Property Certificate, registered deed, society transfer. After 1 July 2026, an LDA-jurisdiction “file” is the wrong instrument.
Banks do not publish a society-by-society acceptance list. Allied Bank says it does not keep a negative list and relies on legal opinion. What you can prepare is a clean instrument pack.
Ask the seller to produce
- CNIC copies of seller (and attorney, if any).
- Registered sale deed or a PLRA Property / Green Certificate with a QR you scan yourself.
- For society plots: transfer history and a society NOC that the unit is free of dues — then verify the scheme name on lda.gop.pk (approved vs illegal vs regular), matching phase and mouza, not the marketing board.
- Approved building plan if the loan is for construction.
Lahore 2026 title change
From 1 July 2026, reporting across Tribune, Pakistan Today, Daily Pakistan, and Zameen News described LDA ending file-based trading in its jurisdiction in favour of a PLRA Property Certificate, with societies pushed onto the Housing Societies Management System. Treat a dealer who will only sell you a file as a stop sign, not a bargain.
What this site cannot do
HSMS and e-Registration are login-gated. We cannot crawl “clear title.” A Green Certificate fee notification dated 7 July 2026 exists on PLRA’s site; media paraphrased the certificate charge around PKR 800 — OCR the official PDF before you quote a fee to anyone.