Apna Ghar Program 2026 by PM Shehbaz Sharif offers home loans up to 1 crore. Check eligibility, installment plan, markup rates, and how to apply online.
PM Shehbaz Sharif Announces Historic Housing Package
The Apna Ghar Program 2026 has been introduced by Shehbaz Sharif to provide affordable housing loans to citizens across Pakistan. This initiative aims to help people fulfill their dream of owning a home through easy installment plans and low markup rates.
Under this scheme, individuals can get loans of up to 1 crore rupees with flexible repayment options over 20 years.
Loan Amount Options
Applicants can choose from the following loan ranges:
- Rs. 25 lakh
- Rs. 50 lakh
- Rs. 75 lakh
- Rs. 1 crore
This flexibility allows applicants to select a plan based on their financial capacity.
Installment Plan (Monthly Payments)
Here is a clear breakdown of monthly installments:
- 25 lakh loan: Rs. 16,499 per month
- 50 lakh loan: Rs. 32,997 per month
- 75 lakh loan: Rs. 49,497 per month
- 1 crore loan: Rs. 65,996 per month
These affordable installments make home ownership accessible for middle-income families.
Markup (Interest) Details
- First 10 years: 5% fixed markup
- Next 10 years: Normal bank markup
This structure provides relief during the initial years.
Eligibility Criteria
To apply for the Apna Ghar Program:
- Must have a valid CNIC
- Should not be a loan defaulter
- Must meet bank eligibility criteria
What Can the Loan Be Used For?
The loan can be used for:
- Buying a 10 marla plot
- Constructing a house
- Purchasing a ready-built home
Financing Structure
- 90% financing by government scheme
- 10% contribution by applicant
Participating Banks
Loans will be provided through:
- Islamic banks
- Commercial banks
- Microfinance banks
- House Building Finance Company
Application Process
Step 1: Online Application
Submit your application online through the official portal.
Step 2: Verification
Banks will verify your documents and eligibility.
Step 3: Approval
Final approval will be granted within 1 month.
Important Features
- No upfront fee required
- Transparent process
- Government monitoring system
- Quick approval timeline
Monitoring Authorities
The scheme will be supervised by:
- State Bank of Pakistan
- Pakistan Housing Authority Foundation
FAQs
1. What is Apna Ghar Program 2026?
It is a government housing scheme that provides affordable home loans to Pakistani citizens with easy installments and low markup rates.
2. What is the maximum loan amount?
Applicants can get a loan of up to 1 crore rupees under this scheme.
3. What is the markup rate?
The markup is fixed at 5% for the first 10 years and then shifts to the standard bank rate for the remaining period.
4. Who is eligible to apply?
Anyone with a valid CNIC and no history of loan default can apply, subject to bank approval.
5. How long does approval take?
The loan approval process usually takes about one month after submitting the application.
6. Is any upfront fee required?
No, applicants are not required to pay any fee before getting the loan.
Final Words
The Apna Ghar Program 2026 is a major step toward solving housing problems in Pakistan. With easy installments, low markup, and flexible loan options, this scheme can help thousands of families own their homes.
If you meet the criteria, this is a great opportunity to secure your future.
