Pakistan Launches Prime Minister’s Apna Ghar Program for First-Time Homebuyers

The federal government has launched the Prime Minister’s Apna Ghar Program – “Ghar Ho Tu Apna” – aimed at helping first-time homebuyers purchase or construct a house through affordable housing finance. Implemented by the Pakistan Housing Authority Foundation (PHAF) in collaboration with the State Bank of Pakistan (SBP) and participating financial institutions, eligible applicants can obtain housing finance with subsidised markup and repay the loan over an extended period.

The Prime Minister’s Apna Ghar Program is a government-backed affordable housing finance initiative designed for Pakistanis who do not own a house and wish to buy or build one. According to the official portal, the scheme offers subsidized housing finance with long repayment periods. The eligibility criteria state that applicants must be first-time homebuyers without any existing mortgage.

Banks may also evaluate repayment capacity and other internal financing requirements before approving a loan. The government has introduced a fully online application process. Applicants can open the Prime Minister’s Apna Ghar Program portal at https://apnaghar.gov.pk, create an account using their CNIC and personal information, sign in, click “Apply for Loan,” fill out the online loan application form, and submit supporting documents such as income proof.

After reviewing the information, the selected bank will complete financing formalities before disbursing the loan. The Prime Minister’s Apna Ghar Program is being offered through a network of participating commercial, Islamic, and microfinance banks across Pakistan. Applicants are advised to check the latest list of participating financial institutions on the official programme website before submitting their application.

Interested applicants should read the eligibility criteria carefully, prepare the required documents, and submit their applications through the official online portal at https://apnaghar.gov.pk. Loan approval depends on each bank’s credit assessment and financing policies, so providing complete and accurate information is encouraged to improve the chances of successful processing.