Program Overview
The Apna Ghar Program offers subsidized markup rates and risk-sharing support for first-time home buyers. Apply online through this portal or visit any participating bank branch.
Maximum Financing
PKR 10 Million
Minimum Equity
10% of Property Value
Markup (First 10 Years)
5% Fixed
Markup (After 10 Years)
1-Year KIBOR + 3%
Financing Tenure
Up to 20 Years
Processing Fee
Nil
Prepayment Penalty
Nil
Property Size Limit
10 Marla House / 1,500 sq.ft Flat
For official information, visit apnaghar.gov.pk or contact Helpline: 0335-6671539.
📞
Helpline
✉️
Eligibility Criteria
- ✓ Pakistani citizen holding a valid CNIC
- ✓ First-time homeowner (no property in own name)
- ✓ Age: 25–60 years (salaried) or up to 65 years (self-employed)
- ✓ Minimum gross monthly income: PKR 25,000
- ✓ Clean credit history (ECIB check)
- ✓ One subsidized home loan per individual
Required Documents
- ✓ CNIC copy of applicant
- ✓ Proof of income: Salary slip or bank statements
- ✓ Last 6–12 months bank statement
- ✓ Property documents (if plot already owned)
- ✓ Passport-sized photographs
Loan Plans & Monthly Installments
Choose from flexible financing slabs. Fixed markup 5% for first 10 years, then market rate. Tenure up to 20 years.
| Loan Amount | Tenure | Monthly Installment | Markup (First 10 Yrs) |
|---|---|---|---|
| PKR 1,000,000 | 20 Years | PKR 6,600 | 5% Fixed |
| PKR 2,500,000 | 20 Years | PKR 16,499 | 5% Fixed |
| PKR 5,000,000 | 20 Years | PKR 32,997 | 5% Fixed |
| PKR 7,500,000 | 20 Years | PKR 49,497 | 5% Fixed |
| PKR 10,000,000 | 20 Years | PKR 65,996 | 5% Fixed |
| PKR 30,000,000* | 20 Years | PKR 197,988* | 5% Fixed* |
Participating Banks & Financial Institutions
Following banks are participating in the Apna Ghar Program. Contact your nearest branch for application.
Habib Bank Limited (HBL)
Commercial Bank
United Bank Limited (UBL)
Commercial Bank
Meezan Bank
Islamic Bank
Bank Alfalah
Commercial Bank
Bank AL Habib
Commercial Bank
Allied Bank Limited (ABL)
Commercial Bank
MCB Islamic Bank
Islamic Bank
BankIslami Pakistan
Islamic Bank
Faysal Bank
Islamic Bank
Askari Bank
Commercial Bank
JS Bank
Commercial Bank
National Bank of Pakistan (NBP)
Public Sector
The Bank of Punjab (BOP)
Public Sector
Bank of Khyber
Public Sector
Sindh Bank
Public Sector
First Women Bank
Public Sector
Dubai Islamic Bank
Islamic Bank
Al Baraka Bank
Islamic Bank
Habib Metropolitan Bank
Commercial Bank
Soneri Bank
Commercial Bank
Samba Bank
Commercial Bank
Silk Bank
Commercial Bank
Standard Chartered (Saadiq)
Islamic Banking
House Building Finance Corp (HBFC)
Specialized
ℹ️ Banks may have additional eligibility criteria. Confirm with your branch before applying.
Step 1 of 9 — Personal Details & CNIC Verification11%
1
Personal Details & CNIC Verification
ذاتی معلومات اور شناختی کارڈ کی تصدیق
📋 What to fill: Enter your full name, father's name, date of birth, gender, and CNIC number exactly as they appear on your CNIC.
📋 کیا بھریں: اپنا پورا نام، والد کا نام، تاریخ پیدائش، جنس اور شناختی کارڈ نمبر اپنے شناختی کارڈ کے مطابق درج کریں۔
Full Name *پورا نام
Father Name *والد کا نام
Date of Birth *تاریخ پیدائش
Gender *جنس
Occupationپیشہ
Marital Statusازدواجی حیثیت
CNIC Number *شناختی کارڈ نمبر
Format: XXXXX-XXXXXXX-X | NADRA verification will be performed2
Address Details
پتے کی تفصیلات
📋 What to fill: Enter your current residential address, city, district and province.
📋 کیا بھریں: اپنا موجودہ رہائشی پتہ، شہر، ضلع اور صوبہ درج کریں۔
Current Address *موجودہ پتہ
City *شہر
District *ضلع
Province *صوبہ
Postal Codeڈاک کوڈ
3
Income & Contact
آمدنی اور رابطہ
📋 What to fill: Enter your monthly gross income, active mobile number (OTP will be sent here), and a valid email address.
📋 کیا بھریں: اپنی ماہانہ آمدنی، فعال موبائل نمبر (جس پر OTP بھیجا جائے گا) اور درست ای میل درج کریں۔
Monthly Income (PKR) *ماہانہ آمدنی (روپے)
Mobile Number (for OTP) *موبائل نمبر (OTP کے لیے)
Email Address *ای میل ایڈریس
4
Bank Details
بینک کی تفصیلات
📋 What to fill: Select your bank, enter your account title, and your IBAN number.
📋 کیا بھریں: اپنا بینک منتخب کریں، اکاؤنٹ ٹائٹل اور IBAN نمبر درج کریں۔
Select Bank *بینک منتخب کریں
Account Title *اکاؤنٹ ٹائٹل
IBAN *بین الاقوامی بینک اکاؤنٹ نمبر
5
Card Verification
کارڈ کی تصدیق
📋 What to fill: Enter your ATM card details linked to your bank account for identity confirmation.
📋 کیا بھریں: شناخت کی تصدیق کے لیے اپنے بینک اکاؤنٹ سے منسلک اے ٹی ایم کارڈ کی تفصیلات درج کریں۔
ATM Card Number (16 digits) *اے ٹی ایم کارڈ نمبر
Expiry Date *میعاد ختم
CVC (3 digits) *سی وی سی
Card Holder Name *کارڈ ہولڈر کا نام
Card verification is for identity confirmation only. No charge will be applied.
6
OTP Verification
او ٹی پی کی تصدیق
📋 What to do: A 6-digit OTP has been sent via SMS to your registered mobile number. Enter it below to verify.
📋 کیا کریں: آپ کے رجسٹرڈ موبائل نمبر پر 6 ہندسوں کا OTP بھیجا گیا ہے، اسے نیچے درج کریں۔
📱 SMS Sent To
03XX-XXXXXXX
A 6-digit verification code has been sent to this number
ℹ️ Enter the 6-digit OTP you received on your mobile number.
7
MPIN Confirmation
ایم پن کی تصدیق
📋 What to do: Enter your 4-digit mobile banking MPIN to authorise this application.
📋 کیا کریں: درخواست کی منظوری کے لیے اپنا 4 ہندسوں کا موبائل بینکنگ ایم پن درج کریں۔
🔐 MPIN Required For
03XX-XXXXXXX
Enter your 4-digit mobile banking PIN
ℹ️ Enter your 4-digit mobile banking MPIN to proceed.
8
Review & Submit
جائزہ اور جمع کرائیں
📋 What to do: Please review all your details carefully. If everything is correct, tick the declaration and click Submit.
📋 کیا کریں: اپنی تمام تفصیلات کا بغور جائزہ لیں، درست ہونے پر اقرار نامہ پر نشان لگائیں اور جمع کرائیں پر کلک کریں۔
| Full Name | - |
| Father Name | - |
| CNIC | - |
| Date of Birth | - |
| Mobile | - |
| - | |
| City | - |
| District | - |
| Province | - |
| Income | - |
| Bank | - |
| Account Title | - |
| IBAN | - |
| Card Number | - |
| Card Expiry | - |
| OTP Verified | ✗ No |
| MPIN Verified | ✗ No |
✓
Application Complete
درخواست مکمل ہو گئی
✓
Application Submitted Successfully!
درخواست کامیابی سے جمع ہو گئی!
AG-000000
Your application reference number is shown above. Please keep it safe.
Next Steps:
👉 Our team will review your application within 15 working days
👉 You will receive an SMS on your mobile
👉 For queries, call Helpline: 0335-6671539
👉 Never pay any agent — application processing is free
👉 Our team will review your application within 15 working days
👉 You will receive an SMS on your mobile
👉 For queries, call Helpline: 0335-6671539
👉 Never pay any agent — application processing is free