Wazir Azam Apna Ghar Scheme
The Wazir Azam Apna Ghar Scheme 2026 is a federal housing finance programme designed to make home ownership more accessible to eligible Pakistani citizens. The scheme was previously known as Mera Ghar–Mera Ashiana and was officially renamed Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna in March 2026. Under the current programme, eligible first-time homeowners can seek financing of up to Rs.10 million, with a 5% fixed customer rate for the first 10 years. Here is what applicants need to know about eligibility, benefits and online application.
Quick Information Table
| Information | Details |
|---|---|
| Program Name | Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna |
| Country | Pakistan |
| Eligibility | First-time homeowners with valid CNIC |
| Maximum Financing | Up to Rs.10 million |
| Customer Rate | 5% fixed for first 10 years |
| Loan Tenure | Up to 20 years |
| Financing Ratio | Up to 90% |
| Registration | Online portal or participating financial institutions |
Overview
The Wazir Azam Apna Ghar Scheme 2026 provides subsidised housing finance through participating financial institutions across Pakistan. The programme supports the purchase of a house or flat, construction on an already-owned plot, and purchase of a plot followed by construction.
The current programme allows financing for a house of up to 10 Marla or 2,720 square feet, or an apartment of up to 1,500 square feet. The maximum financing amount is Rs.10 million.
Latest Updates
The major 2026 update was the official renaming of the earlier Mera Ghar–Mera Ashiana scheme. The Ministry of Housing and Works issued the renaming notification on March 26, 2026, and SBP subsequently directed participating institutions to use the new name.
The official programme portal currently reports more than 143,000 applications received as of August 21, 2026, with more than 47,000 approved applications.
Eligibility Criteria
Who Can Apply?
The published programme criteria state that applicants should be Pakistani citizens with a valid CNIC, should be first-time homebuyers and should not already own a housing unit.
Income and Age Requirements
The official programme information currently available does not state a separate universal minimum income or age limit on its main eligibility page. Applicants should therefore confirm any additional lending requirements directly with the participating financial institution.
Required Conditions
The property must fall within the programme’s permitted size limits, and the applicant must meet the bank or financial institution’s normal credit and documentation requirements.
Benefits
The major benefits include:
- Financing of up to Rs.10 million.
- Up to 20 years of repayment.
- 5% fixed customer rate for the first 10 years.
- Financing of up to 90% of the property or construction cost.
- No processing fee.
- No prepayment penalty.
- Options for house or flat purchase, construction, or plot purchase with construction.
Required Documents
Applicants should generally keep the following information and documents ready:
- Valid CNIC
- Property or plot documents, where applicable
- Proof of income or repayment capacity as requested by the lender
- Bank-required application and verification documents
The exact documentation can vary between participating institutions.
Registration Process
Step 1: Visit the Official Portal
Go to the official Wazir-e-Azam Apna Ghar programme portal and create an account if you are a new applicant.
Step 2: Complete the Application
Log in and fill out the housing finance application with accurate personal, property and financial information.
Step 3: Submit the Application
Review the information carefully and submit the application through the online system.
Step 4: Bank Processing
The application is then processed through the relevant participating financial institution. Applicants can also approach participating commercial banks, Islamic banks, microfinance banks and HBFC branches.
Payment Details
This is a loan-based housing finance programme, not a direct cash grant. Approved financing is provided through participating financial institutions. The programme offers up to Rs.10 million, with repayment extending up to 20 years. The 5% fixed customer rate applies for the first 10 years; the applicable terms after that period should be confirmed with the lender.
Frequently Asked Questions
What is the Wazir Azam Apna Ghar Scheme 2026?
It is a federal affordable housing finance programme for eligible first-time homeowners in Pakistan.
How much loan is available?
Eligible applicants can receive housing finance of up to Rs.10 million under the current programme.
What is the markup rate?
The customer/end-user rate is fixed at 5% for the first 10 years under the current programme structure.
Can I apply online?
Yes. Applicants can create an account, complete the loan application and submit it through the official Apna Ghar online portal.
Who is eligible for the Wazir Azam Apna Ghar Scheme 2026?
The programme is intended for Pakistani citizens with valid CNICs who are first-time homeowners and do not already own a housing unit, subject to the programme and lender requirements.
Conclusion
The Wazir Azam Apna Ghar Scheme 2026 provides a formal route to affordable housing finance for eligible first-time homeowners across Pakistan. With financing of up to Rs.10 million, a 5% fixed customer rate for the first 10 years and repayment of up to 20 years, the programme covers house and flat purchases as well as construction-related financing. Applicants should use the official portal or participating financial institutions and provide accurate information. Because lending conditions can be updated, applicants should verify the latest terms with the programme and their selected lender before submitting an application.