The federal government has launched the Prime Minister’s Apna Ghar Program — “Ghar Ho Tu Apna” to help first-time homebuyers purchase or construct a house through affordable housing finance.

The scheme is being implemented by the Pakistan Housing Authority Foundation (PHAF) in collaboration with the State Bank of Pakistan (SBP) and participating financial institutions. Under the programme, eligible applicants can obtain housing finance with subsidised markup and repay the loan over a long period.

What is the Prime Minister’s Apna Ghar Program?

The Prime Minister’s Apna Ghar Program is a government-backed affordable housing finance initiative designed for Pakistanis who do not own a house and wish to buy or build one.

According to the official portal, the scheme offers:

• Financing of up to Rs10 million
• Loan tenure of up to 20 years
• Fixed 5% markup for the first 10 years
• Financing for purchase or construction of houses
• Financing for houses up to 10 marla (2,720 sq ft) or apartments up to 1,500 sq ft
• Up to 90% bank financing, while the borrower contributes at least 10% equity
• No processing fee or prepayment penalty

Who is eligible?

According to the official eligibility criteria, applicants must:

• Be a Pakistani citizen holding a valid CNIC.
• Be a first-time homebuyer.
• Not own any residential property.
• Meet the financing requirements of the participating bank.
• Satisfy the bank’s income and credit assessment.

Banks may also evaluate repayment capacity and other internal financing requirements before approving a loan.

How to apply online: Step-by-step guide

The government has introduced a fully online application process.

Step 1: Visit the official website

Open the Prime Minister’s Apna Ghar Program portal:

https://apnaghar.gov.pk

Step 2: Create an account

If you are a new applicant, click “Create Account” and register using your CNIC and required personal information.

Step 3: Log in

After registration, sign in using your account credentials.

Step 4: Click “Apply for Loan”

Once logged in, click the “Apply for Loan” button available on your dashboard.

Step 5: Complete the online application form

Applicants must fill out the online loan application form, which generally requires:

• Personal information
• CNIC details
• Contact information
• Employment details
• Monthly income
• Financing requirement
• Property information
• Preferred participating bank

The application is submitted online — there is no need to download a separate paper form.

Step 6: Upload required documents

Applicants may be asked to upload supporting documents such as:

• CNIC
• Recent photographs
• Salary slips or proof of income
• Bank statements
• Employment certificate or business documents
• Property documents (where applicable)
• Any additional documents requested by the selected bank

Step 7: Submit your application

After reviewing the information, submit the application electronically.

Step 8: Bank verification

The selected bank will:

• Verify the applicant’s identity
• Review income and repayment capacity
• Examine property documents
• Conduct credit assessment
• Contact the applicant if additional information is required

If approved, the bank will complete financing formalities before disbursing the loan.

Official applicant instructions: https://apnaghar.gov.pk

Which banks are participating?

The Prime Minister’s Apna Ghar Program is being offered through a network of participating commercial, Islamic and microfinance banks across Pakistan.

As the list of participating financial institutions may change over time, applicants are advised to check the latest information on the official programme website before submitting their application.

Official list of participating banks: https://apnaghar.gov.pk/banks

The complete and updated list is available on the official website.

Official links

Apply online: https://apnaghar.gov.pk

Final word

The Prime Minister’s Apna Ghar Program offers first-time homebuyers an opportunity to purchase or construct a house through subsidised housing finance. Interested applicants should read the eligibility criteria carefully, prepare the required documents and submit their applications through the official online portal.

As loan approval depends on each bank’s credit assessment and financing policies, applicants are encouraged to provide complete and accurate information to improve the chances of successful processing.