Wazir-e-Azam Apna Ghar Program
Great news for anyone who has aspirations of becoming a homeowner.
Prime Minister Shehbaz Sharif introduced the Wazir-e-Azam Apna Ghar Program in Islamabad on April 30, 2026, for the Pakistan National Home Loan Program for Low-Income Families. It is a large-scale housing initiative intended to assist middle-class and low-income Pakistanis in constructing or purchasing their own homes.
This is for you if you’ve been renting for a long time, are having trouble saving for a down payment, or have seen housing costs rise beyond your means.
What Is the Wazir-e-Azam Apna Ghar Program?
Pakistan National Home Loan Program for Low-Income Families: The goal of this government-backed housing loan program is to lower the cost of homeownership for regular Pakistanis.
The program provides loans up to Rs 10 million, or 1 crore rupees, for building or buying residences up to 10 marlas in size.
This plan covers both purchasing a pre-built home and building on your own site.
Key Details at a Glance
The Details of the Pakistan National Home Loan Program for Low-Income Families
| Feature | Detail |
| Program name | Wazir-e-Azam Apna Ghar Program |
| Launch date | April 30, 2026 |
| Location | Islamabad |
| Maximum loan amount | Rs10 million (1 crore) |
| Maximum property size | 10 marlas |
| Target audience | Low-income & middle-class Pakistanis |
| Repayment period | 20 years |
| Markup rate | 5% (subsidized for first 10 years) |
| Year 1 allocation | Rs321 billion |
| Year 1 target | 50,000 homes |
| 4-year target | 500,000 homes |
| Coverage | All provinces |
Check Your Eligibility
Low- and middle-class populations are the program’s target audience. Keep an eye out for official announcements as the precise income levels have not yet been released.
Prepare Your Documents
Typical requirements will likely include:
- CNIC
- Proof of income (salary slips, tax returns)
- Property documents (if you already have a plot)
- Bank statements
Talk to Your Bank
Find out if your bank is taking part in the program. Inquire about their application procedure. Inquire about deadlines.
Watch for Official Guidelines
The government will make available bank lists, application forms, and comprehensive qualifying requirements. For updates, follow the State Bank of Pakistan and the Pakistan Housing Authority.
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