Pakistan’s Apna Ghar Housing Scheme Crosses Rs100 Billion in Loan Disbursements

Pakistan’s Prime Minister’s Apna Ghar Programme has crossed Rs100 billion in housing-loan disbursements, marking an important milestone in the government’s efforts to expand access to affordable home financing.

The programme had disbursed Rs104 billion to 17,697 families as of October 30, 2026, according to figures shared by Khurram Schehzad, Adviser to the Finance Minister.

The latest figures also show that the scheme has received 220,715 applications, with 90,405 approved applications representing financing worth Rs533 billion.

The government launched the initiative to help low- and middle-income households access housing finance through subsidised markup rates and participating financial institutions. It is also intended to encourage construction activity and expand homeownership opportunities across Pakistan.

Although the latest disbursement figure represents significant growth, the difference between approved financing and actual payments remains an important issue for applicants waiting to receive their loans.

Apna Ghar Scheme Disburses Rs104 Billion to 17,697 Families

The latest figures indicate that the Apna Ghar Programme has moved beyond the Rs100 billion mark in actual housing-loan disbursements.

As of October 30, the programme had provided:

• Rs104 billion in housing financing.
• 17,697 housing loans disbursed.
• 220,715 applications received.
• 90,405 applications approved.
• Rs533 billion in approved financing.

The figures were shared by the Finance Minister’s adviser and reported by ProPakistani on November 5, 2026.

The number of families receiving financing is particularly important because application approvals alone do not mean that borrowers have received money. Actual disbursement is the stage at which financing reaches the approved applicants.

For households planning to purchase or construct a home, the speed of this process can determine whether they can proceed with their housing plans.

Housing Loan Disbursements Increase by 404% Since June

One of the most notable developments is the growth in the value of loans disbursed since June 2026.

According to the latest figures, disbursements increased from Rs21 billion in June to Rs104 billion by October 30.

This represents growth of approximately 404%.

The increase suggests that the programme has accelerated its financing activity over the past several months.

The value of approved financing also increased substantially, rising from Rs144 billion in June to Rs533 billion by October 30.

This indicates that more applications have moved through the approval process and larger amounts of financing have been authorised.

However, approval and disbursement remain two different stages. Applicants whose loans have been approved may still need to complete documentation, property verification and other bank requirements before receiving financing.

Apna Ghar Scheme Receives More Than 220,000 Applications

The programme has attracted considerable interest from people seeking affordable housing finance.

A total of 220,715 applications had been received by October 30, 2026. Of these, 90,405 had been approved.

The resulting approval rate stands at approximately 41%.

The figures show that a substantial number of applicants have successfully moved through the approval process.

However, the remaining applications should not automatically be described as rejected. They may include applications under review, incomplete submissions and cases that have not yet reached a final decision.

For applicants, it is important to distinguish between an application being received, approved and finally disbursed.

Rs533 Billion Approved, but Only Rs104 Billion Disbursed

One of the most important aspects of the latest figures is the difference between approved financing and money actually provided to borrowers.

The programme has approved financing worth Rs533 billion, but actual disbursements stand at Rs104 billion.

This means approximately 19.5% of the approved financing value had been disbursed by October 30.

The remaining amount represents financing that had been approved but was not yet reflected in the reported disbursement total.

This gap is important because an approved housing loan does not necessarily mean that the applicant can immediately purchase a property or begin construction.

Banks may still need to complete property-related checks, verify documents, finalise loan agreements and fulfil other conditions before releasing funds.

The government has previously highlighted delays in loan disbursements and instructed relevant institutions to improve the process.

In November 2026, the Prime Minister also directed authorities to address delays by banks in providing financing under priority-sector programmes, including Apna Ghar.

For the programme to achieve its objectives, increasing approvals must be accompanied by timely disbursements.

What Is the Prime Minister’s Apna Ghar Programme?

The Wazir-e-Azam Apna Ghar Programme, also promoted under the slogan “Ghar Ho Tu Apna”, is a government initiative designed to make housing finance more accessible to eligible Pakistani citizens.

Prime Minister Shehbaz Sharif launched the programme on April 30, 2026.

At its launch, the government announced a five-year housing initiative supported by an allocation of Rs3.2 trillion, with the objective of financing 500,000 housing units across the country.

The programme is intended to support people who want to purchase or construct their first home but face difficulty obtaining conventional housing finance.

It uses a subsidised markup structure and a risk-sharing arrangement involving participating financial institutions.

The initiative also aims to stimulate construction-related economic activity, support employment and expand the country’s relatively underdeveloped housing-finance market.

Apna Ghar Scheme Loan Limit, Markup and Repayment Period

The programme provides housing financing of up to Rs10 million, with a repayment period of up to 20 years.

According to the State Bank of Pakistan’s revised housing-finance framework, the borrower markup rate is fixed at 5% for the first 10 years. The applicable market rate applies during the remaining repayment period.

The principal features include:

The 5% markup is a subsidised rate for the first decade, not a fixed rate for the entire 20-year repayment period.

Applicants should also remember that their final monthly instalment depends on the loan amount, repayment schedule, bank calculations and applicable terms.

Who Can Apply for the Apna Ghar Housing Loan?

The programme is designed for first-time homeowners who meet the eligibility requirements.

According to the official programme information, applicants must generally satisfy the following conditions:

• Must be Pakistani citizens with a valid Computerised National Identity Card (CNIC).
• Must be first-time homeowners.
• Must not already own a residential housing unit in their name.
• Must meet the participating financial institution’s applicable income and credit assessment requirements.
• Must fulfil the programme’s property and financing conditions.

The programme is intended to help people who do not already own a home access financing for residential property.

Applicants should check their individual eligibility through the official portal or a participating financial institution before submitting a formal application.

Which Properties Are Eligible Under the Scheme?

The programme covers several residential property financing requirements.

Eligible financing purposes include:

1. Purchasing an existing house or flat.
2. Constructing a house on a plot already owned by the applicant.
3. Purchasing a plot and constructing a house on it.

The programme also specifies limits on residential property size.

The State Bank of Pakistan’s revised scheme features also specify a maximum financing amount of Rs10 million.

Applicants should confirm that the property they intend to purchase or construct meets the applicable requirements before entering into a purchase agreement.

Which Banks Provide Apna Ghar Housing Loans?

The programme operates through participating financial institutions across Pakistan.

These include conventional commercial banks, Islamic banks, microfinance banks and the House Building Finance Company.

The official programme portal lists participating institutions such as:

• National Bank of Pakistan.
• Habib Bank Limited.
• United Bank Limited.
• Allied Bank Limited.
• Bank Alfalah.
• Meezan Bank.
• BankIslami.
• Faysal Bank.
• The Bank of Punjab.
• House Building Finance Company.

The participating network allows applicants to approach financial institutions through their available banking channels.

The final loan decision remains subject to the relevant bank’s assessment and the programme’s applicable conditions.

How to Apply for the Apna Ghar Scheme

People interested in obtaining affordable housing finance can apply through the programme’s official online portal or participating financial institutions.

The general application process is:

Step 1: Check eligibility

Review the programme’s first-time homeowner requirements, property conditions and financing limits.

Step 2: Register online

Visit the official Apna Ghar portal and create an account using the required applicant information.

Step 3: Complete the application

Provide personal, income, property and other required details accurately.

Step 4: Submit supporting documents

Provide the documents requested by the programme or participating bank. These may include CNIC details, income evidence, bank statements and property-related information.

Step 5: Bank assessment

The selected financial institution reviews the application, verifies the applicant’s information and evaluates the proposed property and financing request.

Step 6: Approval and disbursement

After approval and completion of the required formalities, the financing can be released according to the bank’s disbursement process.

Applicants should keep their application reference details and follow up with the relevant bank if the process takes longer than expected.

What the Rs104 Billion Milestone Means for Pakistan’s Housing Market

The growth in housing-loan disbursements could have implications beyond individual homebuyers.

Housing construction is connected to several sectors of the economy, including cement, steel, bricks, electrical equipment, plumbing, furniture, transport and construction services.

When households receive financing and begin building or purchasing homes, demand can increase across these related industries.

The programme may therefore contribute to employment and economic activity if the approved financing translates into completed housing projects.

It could also help expand formal housing finance in Pakistan, where access to long-term mortgage financing has historically remained limited.

However, the programme’s broader economic impact will depend on implementation, affordability, construction costs and the ability of banks to release approved loans efficiently.

What Challenges Remain?

Despite the increase in disbursements, several challenges require attention.

1. Delays Between Approval and Disbursement

The gap between Rs533 billion in approved financing and Rs104 billion in disbursements shows that a significant portion of approved financing had not yet reached borrowers.

Reducing documentation and verification delays could help eligible applicants move forward more quickly.

2. Construction and Property Costs

Rising prices of construction materials, land and labour can make homeownership difficult even when subsidised financing is available.

The maximum loan amount may not cover the complete cost of a suitable property in every city.

3. Long-Term Affordability

The 5% markup applies during the first 10 years. The market-based rate applies during the remaining repayment period.

Applicants should understand how the later repayment period could affect their monthly financial commitments.

4. Bank Processing Capacity

Participating institutions must manage applications, property verification, credit assessment and loan disbursements.

The programme’s success will partly depend on how efficiently these processes are handled.

Frequently Asked Questions

How much money has been disbursed under the Apna Ghar Scheme?

The programme had disbursed Rs104 billion to 17,697 families as of October 30, 2026.

How many applications have been approved?

A total of 90,405 applications had been approved out of 220,715 received, representing an approval rate of approximately 41%.

What is the maximum Apna Ghar housing loan?

Eligible applicants can obtain financing of up to Rs10 million, subject to the programme’s terms and the bank’s assessment.

What is the markup rate under the Apna Ghar Scheme?

The subsidised fixed markup rate is 5% for the first 10 years. The applicable market rate applies during the remaining repayment period.

What is the maximum repayment period?

The programme offers a repayment period of up to 20 years.

Can someone who already owns a house apply?

The programme is designed for first-time homeowners who do not already own a residential housing unit in their name, subject to the applicable eligibility criteria.

Which properties can be financed?

The programme covers the purchase of a house or flat, construction on an already owned plot, and purchase of a plot followed by construction, within the applicable property-size limits.

Where can applicants apply?

Applications can be submitted through the official Apna Ghar portal or participating banks and financial institutions.

Final Takeaway

Pakistan’s Prime Minister’s Apna Ghar Programme has crossed Rs100 billion in actual housing-loan disbursements, with Rs104 billion reaching 17,697 families by October 30, 2026.

The programme has also recorded Rs533 billion in approved financing and received more than 220,000 applications, demonstrating considerable demand for subsidised housing finance.

However, the difference between approved loans and actual disbursements remains an important challenge. Faster processing, efficient property verification and improved coordination with banks will be essential if more applicants are to benefit.

For eligible first-time homeowners, the programme offers financing of up to Rs10 million, a 5% fixed markup for the first 10 years and repayment over as long as 20 years.

The next important measure of success will not simply be the number of applications approved, but how many families actually receive financing and move closer to owning a home.