The PM House Loan Scheme 2026 is a highly anticipated, government-backed home financing initiative aimed at resolving the housing crisis for ordinary citizens. Officially launched under the supervision of the Prime Minister of Pakistan as the Apna Ghar Scheme (and functioning with the collaboration of All Banks of Pakistan), Ghar Hu to Apna initiative’s main aim is to help people who don’t have their own homes and are helpless to live in rented houses. The PM House Loan Scheme Registration Last Date 15 May 2026.
Shahbaz Sharif House Loan Finance Scheme can be availed to buy or build a house/apartment anywhere in Pakistan through our affordable and flexible financing options.
PM House Loan Scheme 2026 Online Apply
Widely referred to by the public as the Shahbaz Sharif House Loan Scheme, this program is designed to be highly beneficial for below- and middle-income families who want to own a house or apartment.
Prime Minister House Loan 2026 Details
| Category | Details |
|---|---|
| Purpose | Purchase of house/apartment; construction on owned plot; purchase of plot with construction |
| Income Criteria | Minimum PKR 50,000 net monthly income |
| Financing Amount | Up to PKR 10 million |
| Financing Tenor | 3 – 20 years (Subsidy for 10 years) |
| Markup Rate | 5% fixed for first 10 years; then 1-Year KIBOR + 3% |
| LTV Ratio / HBFC Share | Up to 90% |
Shahbaz Sharif House Loan 2026
By providing easy installments and heavily subsidized markup rates, the government is making homeownership a reality. Whether you know it as the Prime Minister’s Scheme for House Loan in Pakistan or simply the Apna Ghar Loan Scheme, the ultimate goal is to provide a secure roof over every family’s head.
Apna Ghar Loan Amount 2026
To ensure the scheme caters to the actual financial realities of middle-income families, the government has set clear, highly accommodating financing terms for 2026:
| Feature | Details |
| Maximum Financing | Up to PKR 10 million (1 Crore) provided by the bank. |
| Minimum Customer Contribution | Just 10% of the property value (Equity). The bank finances the remaining 90%. |
| Rental Rate (Markup) | 5% for the first 10 years. For subsequent years, it shifts to a variable rate of KIBOR + 3%. |
| Financing Tenure | Maximum 20-year financing tenure, ensuring monthly installments remain affordable. |
House Loan Scheme in Pakistan
The scheme provides flexibility in the type of property you can purchase or build, with no upper limit on how much the property itself can cost, provided the loan amount does not exceed the PKR 10 million ceiling.
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House Size: Up to 10 Marla (or a maximum covered area of 2,720 sq ft).
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Flat/Apartment Size: Up to 1,500 sq ft.
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Maximum Price of Housing Unit: No capping. (You can purchase a property worth more than PKR 10 million, but you must pay any amount above the 10 million loan limit out of your own pocket as equity).
Eligibility Criteria PM House Loan Scheme 2026
| Category | Details |
|---|---|
| Citizenship | Resident Pakistani / Non-Resident Pakistani |
| Age (Salaried Individuals) | 21–60 years* |
| Age (SEB/SEP) | 25–70 years* |
| Age Note | Age is calculated at the time of loan maturity |
| Employment Type (Salaried) | Permanent / Contractual |
| Permanent Employment (Government) | Minimum 1 year |
| Permanent Employment (Private/Public) | Minimum 3 years |
| Contractual Employment (Government) | Minimum 3 years |
| Contractual Employment (Private/Public) | Minimum 4 years |
| Self-Employed Businessman (SEB) | 3 years total experience & minimum 2 years in current business |
| Self-Employed Professionals (SEP) | Minimum 3 years experience |
Read Here: Mera Ghar Mera Ashiana Scheme 2026 Registration Online Apply
How to Apply PM House Loan 2026 Online Registration
The government has streamlined the application process through a centralized digital portal to ensure transparency and ease of access. Here is how you can apply through the official Apna Ghar Gov Pk portal:
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Access the Portal: Visit the official government website at apnaghar.gov.pk.
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Register an Account: Create your user profile by entering your valid CNIC number, a working mobile phone number, and a secure password. Verify your account via the OTP sent to your phone.
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Fill the Digital Form: Log in to start your PM House Loan 2026 Online Registration. Enter your personal details, current living situation, monthly income, and the specifics of the property you intend to buy (10 Marla house or 1500 sq ft apartment).
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Upload Required Documents: You will need to upload clear, scanned copies of your CNIC, proof of income (salary slips or bank statements), and any initial property documents (like a token receipt or allotment letter).
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Select Your Bank: Choose your preferred bank. Because the scheme is run in collaboration with All Banks of Pakistan, you can select the commercial bank you already trust or hold an account with.
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Submit and Monitor: Submit your application. You will receive a tracking number that you can use on the Apna Ghar Gov Pk website to monitor the status of your approval.
Once submitted online, your chosen bank will evaluate your income documents and the property details before finalizing the financing and handing over the keys to your new home.