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Overview – Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna

The State Bank of Pakistan has announced the Subsidized and Risk Sharing Scheme, followed by the latest SH&SFD Circular No. 03 of 2025 dated September 24, 2025, with a view to promote affordable housing finance.

Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna is a Shariah compliant term finance facility based on the principles of Diminishing Musharakah.

  • First-time homeowners who are citizens of Pakistan holding valid CNICs.
  • Individuals who do not own any housing unit in their name.
  • Having per month net disposable income of minimum Rs.37,000/-
  • Salaried as well as self-employed individuals can apply
  • 25 to 60 years of age (at the time of maturity of financing the age should not be more than 60 years for salaried individuals and 65 years for self-employed individuals)

  • Purchase of a house or flat
  • Construction of a house on an already owned plot
  • Purchase of a plot and construction of a house

Size of Housing Unit
  • House of up to 10 Marla / 2720 sq. Ft
  • Flat of up to 1500 sq. ft.
Maximum Finance size
  • Up to PKR 10 million
Maximum Finance Tenor
  • 20 years (subsidy for 10 years)
Pricing
  • Flat 5%
Bank Charges
  • No processing cost
  • No early payment charges
Finance to Value Ratio
  • 90:10 (90% Finance & 10% equity)

  • All Islamic Banking Branches of ABL are designated to receive and process applications of Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna Profit Subsidy and Risk Sharing Scheme for Affordable Housing Finance.