Prime Minister Shahbaz Sharif has introduced a new House Loan Scheme Up to PKR 10 Million to help Pakistani citizens, especially first-time buyers, achieve their dream of owning a home. The Apna Ghar scheme offers easy financing, low initial rates, and flexible repayment options.
Apply through the official online portal (apnaghar.gov.pk) or partner banks by submitting CNIC, income details, and 10% down payment. After verification, eligible applicants will receive approval for the housing loan.
Shahbaz Sharif Announces House Loan Scheme Up to PKR 10 Million
Prime Minister Shehbaz Sharif has announced a new housing loan scheme offering up to PKR 10 million to help citizens build or purchase homes. Under this scheme, applicants will only need a 10% down payment of the property value, while the rental/profit rate is set at 5% for the first phase.
Shahbaz Sharif House Loan Scheme Details
| Feature | Details |
|---|---|
| Maximum Financing | Up to PKR 10 million (100 لاکھ روپے) |
| Customer Contribution | Minimum 10% of property value |
| Rental Rate | 5% for first 10 years, then KIBOR + 3% (variable) |
| Financing Tenure | Up to 20 years |
| House Size | Up to 10 Marla (2720 sq ft) |
| Flat Size | Up to 1500 sq ft |
| Maximum Property Price | No limit (No capping) |
Eligibility Criteria
- Citizenship:
Must be a Pakistani national with a valid CNIC - Ownership شرط:
Only for first-time home buyers - Collateral Requirement:
Property will be mortgaged to the bank as per banking rules
PM Shahbaz Sharif House Loan Scheme
Prime Minister Shehbaz Sharif has announced a nationwide housing scheme covering all provinces, Gilgit-Baltistan, and Azad Jammu & Kashmir. Under the programme, 500,000 houses will be built with Rs 3.2 trillion funding.
وزیراعظم اپنا گھر اسکیم کے تحت پہلے سال کا ہدف پچاس ہزار گھروں کا ہے جس کے لیے 321 ارب روپے فنانسنگ مختص کی گئی ہے۔ آئندہ چار برسوں میں ہمارا ہدف پانچ لاکھ گھروں کا ہے جس میں 10 مرلہ تک پلاٹ پر گھر کی تعمیر کے لیے قرض فراہم کیا جائے گا جس کا کل حجم 3.2 کھرب روپے کا ہے
House Loan Scheme in Pakistan
Loans will be repaid over 20 years, with a 5% markup for the first 10 years and market rate afterward. In the first year, 50,000 houses will be financed with Rs 321 billion, and construction will be limited to 10 marla units. The PM will review progress monthly.
| کیٹیگری | تفصیلات |
| اہلیت | پاکستان بھر میں پہلی بار گھر خریدنے والے، درست CNIC کے ساتھ |
| قرض کی مدت | 20 سال تک |
| فنانسنگ حد | 10 ملین روپے تک، پہلے 10 سال 5% مارک اپ کے ساتھ |
| فنانسنگ کا دائرہ | 10 مرلہ (2720 اسکوائر فٹ) گھر یا 1500 اسکوائر فٹ اپارٹمنٹ |
| لون ٹو ویلیو (LTV) | 90% قرض، 10% صارف کی شراکت |
| مالی ادارے | کمرشل بینکس، اسلامی بینکس، مائیکروفنانس بینکس، HBFCL |
| چارجز | کوئی پروسیسنگ فیس اور نہ ہی قبل از وقت ادائیگی پر جرمانہ |