Create your account to apply online for Wazir E Azam Apna Ghar Program 2026 at the official website https://apnaghar.gov.pk. Citizens of Pakistan can get one corer loan from latest Prime minister Wazir E Azam Apna Ghar Program 2026. Fill up initial application form by personal information and sign up. Ghar ho tu Apna Wazir E Azam Apna Ghar Program 2026 is the complete financial program under the supervision of State Bank of Pakistan Karachi. This scheme empowers eligible citizens to purchase or construct their first home through affordable profit rates and flexible repayment terms. By providing risk-sharing support to participating banks, the program ensures a stable, transparent environment that benefits both the homebuyer and the financial institution.
Wazir E Azam Apna Ghar Program 2026 Online Apply
If you’re a Pakistani citizen with a CNIC and you’ve never owned a home before, this program is designed specifically to help you get your foot on the property ladder. You can use the funds to buy a finished house or flat, build on land you already own, or even buy a plot and start construction from scratch. The scheme covers houses up to 10 Marla (about 2,720 sq. ft.) and apartments up to 1,500 sq. ft. You can apply for up to PKR 10 million in Shariah-compliant financing, which is spread over a 20-year period—with the added bonus of a government subsidy to keep your costs down for the first 10 years.
apnaghar.gov.pk Wazir E Azam Apna Ghar Scheme Eligibility Criteria
Eligibility Criteria
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Status: First-time homeowners only (no property currently in your name).
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Citizenship: Must hold a valid Pakistani CNIC.
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Income: Minimum monthly income of PKR 35,000 (Salaried) or PKR 70,000 (Self-employed).
Financing Options
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Purpose: Buying a house/flat, constructing on your own plot, or buying a plot + construction.
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Max Amount: Up to PKR 10 Million.
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Profit Rate: Subsidized 5% for the first 10 years.
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Tenor: Up to 20 years.
Property Limits
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Houses: Up to 10 Marla (2,720 sq. ft.).
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Flats: Up to 1,500 sq. ft.
Quick Application Guide
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Visit apnaghar.gov.pk to register.
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Provide your CNIC and Proof of Income.
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Submit an Affidavit confirming you do not own another home.
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Track your status online; banks typically process requests within 15 days.
How Pakistani Citizens Can Get a 1 Crore Loan For House
How to Apply for Wazir Apna Ghar Scheme 2026?
- Visit a Bank: Drop by any participating bank branch with your original CNIC.
- Get the Form: Ask for the Wazir-e-Azam Apna Ghar Program (Ghar Ho Tu Apna) Shariah-compliant application.
- Documentation: Hand in your completed form along with your proof of income and relevant property documents.
- Verification: The bank will review your application to confirm your eligibility and finalize your financing limit.
- Disbursement: Once approved, funds are released according to your chosen construction or purchase plan.
Wazir A Azam Apna Ghar Program 2026 Participating Bank List
- Meezan Bank (Leading Shariah-compliant provider)
- Bank AL Habib
- Allied Bank (ABL)
- Bank Alfalah (Islamic Banking division)· Askari Bank· Faysal Bank· National Bank of Pakistan (NBP)
- Habib Bank Limited (HBL)
- United Bank Limited (UBL)
- The Bank of Punjab (BOP)
- Dubai Islamic Bank