Farhan Qureshi 
Pakistan PM Apna Ghar Scheme 2026 is an initiative by the Government of Pakistan designed to provide housing facilities for low and middle-income families. The programme aims to secure low-cost loans to build houses for all of Pakistan, as it offers home loans that are 10 million PKR up to 20 years to be repaid.
The benefits are better for first-time buyers, as they will pay a lower markup for the first 10 years, allowing them to better manage their finances and make lower monthly payments. Applicants must provide 10% of the property, and the scheme will cover up to 90%.
Loan Structure and Repayment Terms
The scheme has four levels of financing of PKR 2.5 million, PKR 5 million, PKR 7.5 million & PKR 10 million. The monthly instalments begin at approximately PKR 16,499, depending on the loan size.
The rate is 5% markup for the first 10 years and market interest for the balance of the repayment period. This structure reduces initial financial pressure and ensures long-term repayment sustainability.
Eligibility Requirements
Eligibility is for first-time home buyers between the ages of 25 and 60 years and having a monthly salary of not less than PKR 25,000. Applicants should not have any previous property ownership or credit history of any loan defaults.
Housing finance is available for houses up to 10 marla and flats up to 1,500 square feet, and thus caters to the affordable housing segment.
Application Procedure
Applications are processed through banks like HBFC, Allied Bank and Bank AL Habib. No down payment required. Applicants are required to submit CNIC, Income proof and Property details. It takes about a month to get approval.
The scheme will help enhance Pakistan’s housing sector by making housing affordable, supporting construction growth, and providing financial inclusion for low-income families.
