Wazir-e-Azam Apna Ghar Program
Table of Content
Table of Contents
PM Shehbaz Sharif Housing Scheme – Rs 10 Million Loan, 20 Years Tenure, 5% Fixed Markup
★ Important Notice ★
Yeh website apnichatapnagharr.pk sirf informational purposes ke liye hai. Hum Government of Pakistan ya State Bank of Pakistan se affiliated nahi hain. Official portal hai: apnaghar.gov.pk
Article Overview
Is article mein aap Wazir-e-Azam Apna Ghar Program ke baare mein mukammal information janenge. Prime Minister Shehbaz Sharif ne 29 April 2026 ko is program ka elan kiya tha. Ye program pooray Pakistan ke liye hai.
Is program mein aap Rs 2.5 million se Rs 10 million tak ka loan le sakte hain. Loan wapas karne ke liye 20 saal ka time hai. Pehle 10 saal mein sirf 5 percent fixed markup dena hai. Koi processing fee nahi hai aur koi prepayment penalty bhi nahi hai.
Aap is program mein 10 marla ka ghar ya 1500 square feet ka flat khareed sakte hain. Bank aap ko property ki value ka 90 percent dega. Aap ko sirf 10 percent khud dena hoga.
Program Overview – Wazir-e-Azam Apna Ghar Program
Yeh rahi program ki mukammal details:
| Feature | Detail |
|---|---|
| Program Name | Wazir-e-Azam Apna Ghar Program |
| Launched By | Prime Minister Shehbaz Sharif |
| Launch Date | 29 April 2026 |
| Official Website | apnaghar.gov.pk |
| Loan Amount | Rs 2.5 Million to Rs 10 Million |
| Loan Tenure | Up to 20 Years |
| Markup (First 10 Years) | 5% Fixed |
| Markup (Remaining 10 Years) | One Year KIBOR + 3% |
| Bank Financing (LTV) | 90% |
| Borrower Contribution | 10% |
| Property Size | 10 Marla House or 1500 sq ft Apartment |
| Processing Fee | No Processing Fee |
| Prepayment Penalty | No Prepayment Penalty |
| Eligibility | First Time Homebuyers, valid CNIC holder, no existing loan |
| Application Link | apnaghar.gov.pk/register |
| Login Link | apnaghar.gov.pk/login |
| Loan Calculator | apnaghar.gov.pk/loan-calculator |
| Complaint Link | apnaghar.gov.pk/complaint |
Introduction – Apna Ghar Program Kya Hai?
Pakistan mein apna ghar rakhna har family ka sapna hota hai. Lekin mehngai aur ghar ki qeemat barhne ki wajah se ye sapna poora karna mushkil ho gaya hai. Gharib aur middle class families ke liye ghar khareedna bohot mushkil hai. Un ke paas itne paise nahi hote ke wo ghar khareed saken.
Is maslay ka hal nikalne ke liye Pakistan government ne Wazir-e-Azam Apna Ghar Program launch kiya hai. Ye program un families ke liye hai jo pehli baar ghar khareed rahi hain ya jinko 10 marla tak plot lena hai.
Is program mein government bank ke through loan provide karti hai. Loan tenure 20 years tak hai. Markup bhi bohot kam hai. Is program se log aasani se apna ghar ya plot khareed sakte hain. Unhein kisi se paise udhar nahi lene. Na hi unhein qeemti markup dena parta hai.
Apni Zameen Apna Ghar Program bhi housing ke liye hai lekin wo sirf Punjab ke liye hai. Wazir-e-Azam Apna Ghar Program pooray Pakistan ke liye hai.
Who Launched This Wazir-e-Azam Apna Ghar Program and When?
Prime Minister Shehbaz Sharif ne 29 April 2026 ko Wazir-e-Azam Apna Ghar Program ka elan kiya. Ye elan Islamabad mein ek taqreeb mein kiya gaya. Is taqreeb mein government ke ahem officers aur banks ke representatives bhi maujood thay.
Prime Minister Shehbaz Sharif ne is program ko tareekhi qarar diya. Un ka kehna tha ke ye program gharib families ko apna ghar rakhne ka mauqa de ga. Is program ke through log aasani se loan le kar ghar khareed sakte hain.
Is program ko Pakistan Housing Authority Foundation aur State Bank of Pakistan mil kar chalayenge. State Bank of Pakistan banks ko guide karega. Pakistan Housing Authority Foundation program ki monitoring karega.
Eligibility Criteria of Wazir-e-Azam Apna Ghar Program – Kya Aap Apply Kar Sakte Hain?
Wazir-e-Azam Apna Ghar Program mein apply karne ke liye kuch conditions hain. In conditions ko eligibility criteria kehte hain. Agar aap ye conditions poori karte hain to aap apply kar sakte hain.
First Time Homebuyer
Jo pehli baar ghar khareed raha hai wo eligible hai. Agar aap already kisi property ke malik hain to aap is program ke liye eligible nahi hain. Aap ko ye bhi guarantee deni hogi ke aap ne pehle kabhi ghar nahi khareeda.
Valid CNIC Holder
Aap ke paas valid Pakistani CNIC hona chahiye. Ye CNIC NADRA ki taraf se issue hua ho. Expired CNIC se application accept nahi hogi.
No Existing Loan
Aap ke uper kisi bhi bank ya financial institution ka koi loan nahi hona chahiye. Agar aap already loan le chuke hain aur wo wapas nahi kiya to aap is program ke liye eligible nahi hain.
No Property Ownership
Aap ke naam ya aap ke family ke kisi member ke naam par koi property nahi honi chahiye. Ye property Pakistan mein kahin bhi ho sakti hai. Aap ko affidavit dena hoga ke aap ke paas koi property nahi hai.
Age Limit
Is program mein koi age limit nahi hai. Koi bhi umar ka shaks apply kar sakta hai. Lekin bank apni internal policies ke mutabiq loan approve karega.
Required Documents for Wazir-e-Azam Apna Ghar Program – Konsay Documents Chahiye?
Wazir-e-Azam Apna Ghar Program mein apply karne ke liye aap ko ye documents chahiye. In documents ko pehle se tayar kar ke rakhein.
CNIC Copy
Aap ki valid CNIC ki copy. Aap ko CNIC ki front aur back dono side ki copy deni hogi. Ye copy clear honi chahiye.
Proof of Income
Aap ki income ka proof. Agar aap job karte hain to salary slips. Agar aap business karte hain to bank statement aur tax returns. Agar aap kisan hain to land record aur crop details.
Bank Statement
Last 6 months ka bank statement. Is se bank check karega ke aap ki income kitni hai aur aap ka saving kitna hai.
Affidavit
Aap ko affidavit dena hoga ke aap ne pehli baar ghar khareed rahe hain. Aap ko affidavit dena hoga ke aap ke uper koi loan nahi hai. Aap ko affidavit dena hoga ke aap ke paas koi property nahi hai.
Passport Size Photos
2 se 4 recent passport size photos. Photos white background par honi chahiye.
How to Apply Online for Wazir-e-Azam Apna Ghar Program – Apply Karne Ka Tareeqa
Wazir-e-Azam Apna Ghar Program mein apply karne ka process bilkul online hai. Aap ko kisi bhi office mein jane ki zaroorat nahi hai.
Step 1 – Visit Official Website
Sab se pehle official website apnaghar.gov.pk par jayein. Yehi website genuine hai. Kisi aur website par apply na karein.
Step 2 – Register Your Account
Website par “Apply Now” button par click karein. Apna CNIC number, mobile number aur email address enter karein. Ek strong password banao aur submit karein. Is ke baad aap ka account active ho jayega.
Step 3 – Login to Your Account
Register hone ke baad “Login” button par click karein. Apna CNIC aur password enter karein. Security Check ka jawab den aur login ho jayein.
Step 4 – Fill Application Form
Login karne ke baad “Apply / Update Form” button par click karein. Ab aap ko application form fill karna hoga.
Form mein aap se ye information maangi jayegi. Is mein 4 different forms honge:
- Bank Details
- Purpose or Facility
- Personal Info
- Employment Type
Is mein 3 forms same honge. Last form thora change hoga aap ki income source ke hisab se. Jaise agar aap job karte hain, ya aap informal income wale hain, ya phir aap business karte hain.
Apply karne ke baad apna status check karne ke liye Dashboard pe show ho jayega.
Loan Amount and Monthly Installments for Wazir-e-Azam Apna Ghar Program
Aap kitna loan le sakte hain aur monthly installment kitni hogi? Yeh rahi details:
| Loan Amount | Monthly Installment |
|---|---|
| Rs 2.5 Million (25 Lakh) | Rs 16,499 |
| Rs 5 Million (50 Lakh) | Rs 32,997 |
| Rs 7.5 Million (75 Lakh) | Rs 49,497 |
| Rs 10 Million (1 Crore) | Rs 65,996 |
Ye installments approximate hain. Exact installment ke liye official loan calculator use karein. Aap apnaghar.gov.pk/loan-calculator par ja kar apne loan amount ki exact installment nikaal sakte hain.
Markup Details – Kitna Interest Dena Hoga? Wazir-e-Azam Apna Ghar Program
First 10 Years – 5 Percent Fixed Markup
Pehle 10 saal mein aap ko fixed 5 percent interest dena hai. Ye market rate se bohot kam hai. Market mein loan ka markup 15 se 20 percent hota hai. Is program mein government subsidy ki wajah se markup sirf 5 percent hai.
Remaining 10 Years – One Year KIBOR Plus 3 Percent
Pehle 10 saal ke baad jo 10 saal hain un mein markup KIBOR plus 3 percent hoga. KIBOR Karachi Interbank Offered Rate hai. Ye rate badalta rehta hai.
Jab ye rate badhega to aap ka markup bhi badhega. Jab ye rate ghatega to aap ka markup bhi ghatega.
Bank Pricing Will Not Change After 10 Years
Bank pricing 10 saal ke baad change nahi hogi. Markup hamesha KIBOR plus 3 percent hi rahega. Formula nahi badlega.
Loan to Value (LTV) Ratio – Bank Kitna Dega?
90 Percent Bank Financing
Bank aap ki property ki value ka 90 percent loan dega. Agar aap ki property ki value 1 crore hai to bank 90 lakh dega. Agar property 50 lakh ki hai to bank 45 lakh dega.
10 Percent Borrower Equity Contribution
Aap ko khud property ki value ka 10 percent dena hoga. Agar property 1 crore ki hai to aap ko 10 lakh khud dene honge. Agar property 50 lakh ki hai to aap ko 5 lakh khud dene honge.
Scope of Financing – Kya Kya Khareed Sakte Hain?
Flat or House Purchase
Aap ye loan use kar sakte hain flat ya house khareedne ke liye. Aap apni marzi ka koi bhi flat ya house khareed sakte hain jo 10 marla ya 1500 square feet ke andar ho.
Plot Plus Construction
Aap ye loan use kar sakte hain plot khareedne aur us par construction karne ke liye. Aap plot khareedein aur phir us par ghar banaein. Dono ke liye loan aik saath mil jayega.
Housing Unit Construction
Agar aap ke paas pehle se plot hai to aap sirf construction ke liye loan le sakte hain. Plot ki value loan mein shamil nahi hogi. Sirf construction ki value par loan milega.
Benefits of Apna Ghar Program – Program Ke Faiday
Wazir-e-Azam Apna Ghar Program ke bohot se faiday hain.
| Benefit | Explanation |
|---|---|
| High Loan Amount | Aap 1 crore rupay tak ka loan le sakte hain |
| Long Repayment Period | Loan wapas karne ke liye 20 saal ka time hai |
| Low Fixed Markup | Pehle 10 saal mein sirf 5 percent markup hai |
| No Processing Fee | Free mein loan apply kar sakte hain |
| No Prepayment Penalty | Jaldi pay karo to koi penalty nahi |
| 90% Bank Financing | Bank 90 percent dega, aap sirf 10 percent do ge |
| Flexible Usage | Flat, house, plot plus construction, ya sirf construction |
| Pooray Pakistan Mein | Sindh, Balochistan, KP aur Punjab sab mein available |
Terms and Conditions of Wazir-e-Azam Apna Ghar Program – Kya Rules Hain?
Wazir-e-Azam Apna Ghar Program ke kuch rules hain. In rules ko follow karna hoga.
First Time Homebuyer Condition
Sirf wo log is program mein apply kar sakte hain jo pehli baar ghar khareed rahe hain. Agar aap already kisi property ke malik hain to aap apply nahi kar sakte.
No Existing Loan Condition
Aap ke uper kisi bhi bank ya financial institution ka koi loan nahi hona chahiye. Agar aap already loan le chuke hain to aap apply nahi kar sakte.
Property Size Limit
Aap sirf 10 marla tak ki property khareed sakte hain. Flat ki baat karein to 1500 square feet tak ka flat khareed sakte hain.
Residential Use Only
Aap jo property khareed rahe hain wo sirf residential use ke liye hai. Aap is property par commercial activity nahi kar sakte.
Loan Usage Limit
Aap ye loan sirf property khareedne, construction karne, ya plot plus construction ke liye use kar sakte hain. Renovation ya expansion ke liye nahi.
Markup Payment
Aap ko markup time par dena hoga. Agar aap markup nahi denge to bank aap par penalty laga sakta hai.
False Information Penalty
Agar aap ne jhoothi information di hai to aap ki loan cancel ho sakti hai. Aap par subsidy recovery aur penalties bhi apply ho sakti hain.
Participating Financial Institutions (PFIs) – Konsay Banks Shamil Hain?
Commercial Banks
| Allied Bank Limited | Askari Bank Limited |
|---|---|
| Bank Alfalah Limited | Bank Al-Habib Limited |
| Dubai Islamic Bank Pakistan Limited | Faysal Bank Limited |
| First Women Bank Limited | Habib Bank Limited |
| Habib Metropolitan Bank Limited | JS Bank Limited |
| MCB Bank Limited | Meezan Bank Limited |
| National Bank of Pakistan | Samba Bank Limited |
| Sindh Bank Limited | Soneri Bank Limited |
| Standard Chartered Bank Pakistan Limited | The Bank of Khyber |
| The Bank of Punjab | United Bank Limited |
Islamic Banks
- Albaraka Bank Pakistan Limited
- BankIslami Pakistan Limited
- MCB Islamic Bank Limited
- Meezan Bank Limited
Microfinance Banks
- ASA Pakistan Microfinance Bank
- HBL Microfinance Bank
- Khushhali Microfinance Bank
- Mobilink Microfinance Bank
- LOLC Microfinance Bank
- U Microfinance Bank
House Building Finance Company Limited
House Building Finance Company Limited (HBFCL) bhi is program mein shamil hai. Ye housing finance ke liye special company hai.
How to Submit a Complaint – Complaint Kaise Karein?
Step 1
Official website apnaghar.gov.pk par jayein. Phir Submit Complaint button par click karein.
Step 2
Apna naam, CNIC, aur contact information fill karein. Saari information sahi daalein.
Step 3
Apne complaint ke mutabiq relevant category select karein.
Step 4
Jo problem aap face kar rahe hain use clearly describe karein. Detail mein likhein.
Step 5
Sab kuch check karne ke baad form submit karein. Submit karne ke baad aap ko complaint number mil jayega.
Complaint Number Save Karein
Complaint number ko save kar ke rakhein. Is number se aap complaint ka status check kar sakte hain.
Check Complaint Status – Complaint Ka Status Check Karein
Complaint status check karne ke liye apna complaint number enter karein. Submit karne ke baad aap ko complaint ki current status dikh jayegi.
Contact Information
| Contact Method | Detail |
|---|---|
| Location | Islamabad, Pakistan |
| Phone Number | 111-742-111 |
| info@pha.gov.pk |
Rejection Reasons – Application Reject Kyun Ho Sakti Hai?
Aap ki application reject ho sakti hai in reasons ki wajah se:
| Reason | Explanation |
|---|---|
| Already Own a Property | Aap ya aap ki family ke paas already property hai |
| Existing Loan | Aap ke uper pehle se koi loan hai |
| Low Income | Income itni nahi hai ke loan ki installment de sakain |
| Invalid CNIC | CNIC expired hai ya address sahi nahi hai |
| Incomplete Documents | Saare documents submit nahi kiye ya clear nahi hain |
| Fake Information | Jhoothi information di hai |
| Property Size Exceeds Limit | 10 marla se zyada ka ghar ya 1500 sq ft se zyada ka flat |
Be Careful – Important Tips
Apply Only on Official Website
Sirf official website apnaghar.gov.pk par apply karein. Kisi aur website par apply na karein. Ye program bilkul free hai. Koi bhi application fee nahi hai.
Provide Accurate Information
Jo bhi information aap provide karein wo bilkul sahi ho. Apna CNIC number sahi daalein. Apna mobile number sahi daalein. Jhoothi information dene par aap ki application reject ho sakti hai.
Keep Documents Ready
Apply karne se pehle saare documents tayar kar ke rakhein. Documents ki soft copy scan kar ke rakhein.
Use CNIC Registered Mobile Number
Wohi mobile number use karein jo aap ke CNIC par registered hai. Agar mobile number CNIC par registered nahi hai to registration complete nahi hogi.
Check Your Eligibility
Apply karne se pehle eligibility criteria check kar lein. Agar aap eligible nahi hain to apply na karein.
Keep Application ID Safe
Application submit karne ke baad aap ko ek application ID milegi. Is ID ko save kar ke rakhein.
Beware of Fake Calls
Kuch log fake calls karte hain. Wo kehte hain ke aap select ho gaye hain. Wo aap se paise mangte hain. Aisi calls par bilkul bharosa na karein. Koi bhi aap se paise nahi mangega.
Frequently Asked Questions (FAQs)
How can first-time homeownership be established?
PFIs will obtain an undertaking from the borrower. If later found false, subsidy recovery and penalties will apply.
Can the income of co-borrowers be clubbed?
Yes, PFIs may allow income clubbing as per their internal criteria.
Can a borrower avail financing above Rs 3.5 million?
Yes, borrowers can now avail financing up to Rs 10 million.
Is there SBP guidance for informal income estimation?
Banks should use their own income proxy models as per IH and SMEFD Circular No 07 of 2021.
Is there a maximum property value limit?
No, but financing will follow scheme terms.
Is there any age limit?
No age limit. Banks assess based on internal policies.
Will bank pricing change after 10 years?
No, it remains One Year KIBOR plus 3 percent for the remaining tenure.
Can bank staff apply?
Yes, if not eligible under HR policy but must be on standard terms.
Can financing be used for renovation or expansion?
No. Only for purchase of house/flat, construction on owned plot, and plot purchase plus construction.
Can the loan be paid off early?
Yes, anytime without prepayment penalty.
Is there risk coverage?
Yes, government aur banks risk share karte hain.
Can loan tenure be less than 20 years?
Yes, 20 years is the maximum limit.
Is there a minimum loan tenure?
No minimum tenure.
Will subsidy apply if tenure is less than 20 years?
If tenure is 10 years or more, subsidy applies for 10 years. If less than 10 years, subsidy applies for full period.
Can house size exceed 10 marlas?
No, only up to 10 marla.
Can financing be used to purchase a plot?
Yes, only if construction is also included.
Is subsidy available during construction?
Yes, on disbursed amount and within the 10 year subsidy period.
Is there a covered area requirement?
Yes. House up to 10 Marla or 2720 square feet. Flat up to 1500 square feet.
What is the Debt Burden Ratio (DBR)?
Debt Burden Ratio is as per SBP housing finance regulations.
Conclusion
Wazir-e-Azam Apna Ghar Program Pakistan ka ek tareekhi housing program hai. Prime Minister Shehbaz Sharif ne 29 April 2026 ko is ka elan kiya.
Key Takeaways:
- ✅ Rs 10 million (1 crore) tak loan
- ✅ 20 years repayment period
- ✅ First 10 years: 5% fixed markup
- ✅ Next 10 years: KIBOR + 3%
- ✅ 90% bank financing, 10% borrower contribution
- ✅ No processing fee, no prepayment penalty
- ✅ 10 marla house or 1500 sq ft apartment
- ✅ Apply online at apnaghar.gov.pk
Agar aap first time homebuyer hain aur aap ke uper koi loan nahi hai to aap is program ke liye apply kar sakte hain. Official website apnaghar.gov.pk par ja kar registration karein. Loan calculator se apni installment check karein. Apna dream home ab haqeeqat ban sakta hai.
Agar aapko koi problem ho to hamse Contact Us page par rabta kar sakte hain.
[DISCLAIMER]
Yeh website apnichatapnagharr.pk sirf informational purposes ke liye hai. Hum Government of Pakistan ya State Bank of Pakistan se affiliated nahi hain. Official portal hai: apnaghar.gov.pk
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