The PM Apna Ghar Program Get 50 Lakh Loan through Khushhali Bank 2026 Get Details initiative offers an excellent opportunity for low and middle-income individuals in Pakistan to build or purchase their own home. Through State Bank of Pakistan guidelines and partnership with Khushhali Microfinance Bank, eligible applicants can avail up to PKR 50 lakh financing at a subsidized 5% markup rate for constructing a house up to 10 Marla or buying a 1,500 sq. ft. flat. This government-backed scheme is designed to promote affordable housing, offering easy installment plans and accessible application procedures through Khushhali Bank branches or official channels.
Scheme Overview
| Detail | Information |
|---|---|
| Program Name | PM Apna Ghar Program 2026 |
| Bank | Khushhali Microfinance Bank |
| Loan Amount | Up to PKR 50 Lakh |
| Markup Rate | 5% |
| Property Limit | 10 Marla House / 1500 sq. ft Flat |
| Eligibility | As per bank & SBP policies |
| Location | Across Pakistan |
| Apply Mode | Bank Visit / Online |
| Official Website | www.khushhalibank.com.pk |
| Helpline | 051 111 047 047 |
| Complaint Portal | https://sunwai.sbp.org.pk |
| Mobile App | Sunwai App by SBP |
| Ad Posted Date | Not Mentioned |
| Last Date to Apply | Not Mentioned |
Bank Policies & Financing Details
The loan is offered under strict policies defined by State Bank of Pakistan and implemented by Khushhali Microfinance Bank. Below are the key policy details:
- Financing available up to PKR 50,00,000
- Fixed subsidized 5% markup rate
- Applicable for:
- Construction of house up to 10 Marla
- Purchase of flat up to 1500 sq. ft
- Designed for low and middle-income households
- Easy installment plans based on applicant profile
- Transparent process under SBP supervision
- Customers can file complaints via:
- SBP Sunwai Portal
- Sunwai Mobile App
- Bank reserves the right to assess:
- Creditworthiness
- Income verification
- Property evaluation
How to Apply
- Visit your nearest Khushhali Microfinance Bank branch
- Contact helpline: 051 111 047 047
- Get complete loan guidance from bank representative
- Submit required documents
- Wait for loan approval after verification
🌐 You can also visit: www.khushhalibank.com.pk
Terms and Conditions
- Loan approval is subject to bank’s eligibility criteria
- Applicant must provide accurate and complete information
- Property must meet size and legal requirements
- Financing is limited to SBP defined categories
- Markup rate may be subject to policy changes
- Bank holds the right to approve or reject any application
- In case of complaints, applicants can contact SBP via Sunwai portal or mobile app
- Misrepresentation or false information may lead to disqualification