The PM Apna Ghar program 2026 Registration Open initiative by the Ministry of Housing and Works Pakistan offers a golden opportunity for low- and middle-income individuals to build or purchase their own home with subsidized financing. Under this scheme, eligible applicants can avail loans up to PKR 1 crore at a fixed 5% markup for the first 10 years, with an easy repayment plan spread over 20 years. Applications can be submitted online or through commercial banks, Islamic banks, microfinance banks, and House Building Finance Company Limited branches across Pakistan. This program aims to make home ownership accessible, especially for those who do not already own a house or flat.
Program Overview
| Details | Information |
|---|---|
| Program Name | PM Apna Ghar Program 2026 |
| Announced By | Ministry of Housing and Works Pakistan |
| Executing Authority | Pakistan Housing Authority Foundation |
| Focus Keyword | PM Apna Ghar program 2026 Registration Open |
| Loan Amount | Up to PKR 1 Crore |
| Markup Rate | 5% (First 10 Years) |
| Repayment Duration | Up to 20 Years |
| Property Limit | 10 Marla (2720 sq ft) house or 1500 sq ft apartment |
| Application Mode | Online & Bank Branches |
| Eligibility | Individuals without any existing house/flat |
| Location | All Pakistan |
| Ad Posted Date | 2026 (As per advertisement) |
| Last Date | Not Mentioned (Apply ASAP) |
| Contact | UAN: 051-111-742-111 |
| Websites | www.apnaghar.gov.pk, www.pha.gov.pk |
Objective of Program
The PM Apna Ghar Program 2026 has been launched with the following key objectives:
- Provide affordable housing finance to low- and middle-income families
- Promote home ownership across Pakistan
- Reduce the housing shortage in urban and semi-urban areas
- Offer low markup loans (5%) to ease financial burden
- Support construction and real estate sector growth
- Enable citizens to buy or build homes easily through long-term installments
- Ensure transparent and merit-based loan approvals
Apni Chhat Apna Ghar Scheme Registration Open
How to Apply
Applicants can apply for the program through the following methods:
- Online Application
- Visit: www.apnaghar.gov.pk
- Fill out the application form
- Submit required documents
- Physical Application
- Visit any:
- Commercial Bank
- Islamic Bank
- Microfinance Bank
- House Building Finance Company Limited branch
- Submit your application form along with documents
- Visit any:
- For further guidance, contact: 051-111-742-111
Terms and Conditions
- Only individuals without any existing house or flat are eligible
- Loan approval is subject to scheme policies and verification process
- Maximum loan limit is PKR 1 Crore
- Property eligibility:
- Up to 10 Marla plot (2720 sq ft) for construction
- Up to 10 Marla house purchase
- Up to 1500 sq ft apartment purchase
- Repayment period is up to 20 years
- Fixed 5% markup rate applies for the first 10 years
- All applications will be evaluated as per official criteria
- Applicants must provide accurate and complete information