Owning a home is no longer just a distant dream for low-and-middle-income families in Pakistan. The Government of Pakistan has rolled out the highly anticipated Wazir-e-Azam Apna Ghar Program (2026), empowering citizens to build or buy their own houses with unprecedented financial ease. Get up to PKR 1 Crore for your dream home with the Wazir-e-Azam Apna Ghar Program 2026. Low 5% markup and 20-year repayment plans available for Pakistani citizens.
If you have been struggling with high property prices and daunting interest rates, this new government initiative is designed specifically to help you step through the front door of your very own home.
5% Markup, 20 Years to Pay: Inside Pakistan’s 1 Crore Housing Loan Scheme
Here is what makes this 2026 housing initiative a massive game-changer for the average Pakistani citizen:
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Massive Financing Limit: Eligible applicants can secure a substantial loan of up to PKR 10 million (1 Crore) to fully fund their home construction or purchase.
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Ultra-Low Markup: To combat inflation, the scheme locks in an incredibly affordable 5% fixed markup rate for the first decade of the loan.
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Stress-Free Repayment: Borrowers are given a relaxed 20-year window to repay the loan, making monthly installments highly manageable for salaried and middle-class individuals.
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Targeted Support: The program is strictly focused on uplifting low-to-middle-income families who have previously been priced out of the real estate market.
Govt Announces 1 Crore Housing Loan at Just 5% Markup for Middle-Class Families
For a quick overview before you apply, here is everything you need to know about the financing structure:
| Feature | Official Details |
| Program Name | Wazir-e-Azam Apna Ghar Program (2026) |
| Maximum Loan Amount | Up to PKR 10 Million (1 Crore) |
| Target Audience | Low-to-Middle Income Families |
| Eligible Use | Buying a new home or constructing on an existing plot |
| Markup / Interest Rate | 5% Fixed (for the first 10 years) |
| Repayment Tenure | 20 Years |
Eligibility Criteria
To qualify for this specific 1 Crore financing (often referred to as Tier 3), applicants must meet the following basic requirements:
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Citizenship: Must be a resident Pakistani national with a valid CNIC.
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Home Ownership: Must be a first-time homeowner; you cannot already own a housing unit in your name.
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Age: Generally between 25 and 60 years for salaried individuals, or up to 65 years for self-employed professionals at the time of loan maturity.
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Income: Minimum monthly income requirements vary by bank but typically start around PKR 25,000 to PKR 40,000.
House Loan Features & Repayment
The program is structured to provide long-term affordability through subsidized rates:
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Financing Limit: Up to PKR 10 Million for Tier 3.
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Markup Rate: A subsidized fixed rate of 5% per annum for the first 10 years. After 10 years, the rate typically shifts to a floating market rate (e.g., 1-year KIBOR + 3%).
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Loan Tenure: Flexible repayment periods from 5 to 20 years.
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Loan-to-Value (LTV): Most banks finance up to 90% of the property value, requiring a 10% equity contribution from the buyer.
Property Requirements (Tier 3)
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House Size: Up to 10 Marla (approx. 2,720 sq. ft.).
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Flat/Apartment Size: Up to 2,000 sq. ft. of covered area.
How to Apply 1 Crore Loan For House Construction
- Go to: apnaghar.gov.pk
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Submit Documentation:
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Completed application form.
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Copies of CNIC for applicant and co-applicants.
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Proof of income (salary slips for employees or business proof for self-employed).
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Last 6–12 months’ bank statements.
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Title documents of the property to be purchased or constructed
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Bank Verification: The bank will conduct address verification, income estimation, and a legal review of the property documents before approval
Pakistani Citizens Can Now Secure 1 Crore to Build Their Dream Home
This visionary step by the government aims to drastically reduce the country’s housing shortfall. By keeping the initial markup low and spreading the cost over two decades, the “Apna Ghar” scheme ensures that paying off your house is as affordable as paying monthly rent!