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

The State Bank of Pakistan has announced Markup Subsidy Scheme for Housing Finance, named Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna, through SH&SFD Circular No. 03 of 2025 dated September 24, 2025, with the aim of promoting affordable housing finance.

Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna provides access to institutional housing finance to meet the basic housing needs of resident Pakistani citizens. To facilitate long-term, affordable housing funding for up to 20 years—including a 10-year subsidy period—the scheme offers housing finance at a subsidized markup rate to first-time homeowners for:

  • House of up to 10 Marla/2720 sq. ft

  • Flat of up to 1500 sq. ft.

  • Purchase of a house or flat

  • Construction of a house on an already owned plot

  • Purchase of a plot and construction of a house thereon

  • Up to PKR 10 Million

  • 5% (subsidy for 10 years)

  • 20 years (subsidy for 10 years)

  • All citizens of Pakistan holding valid CNIC and not already owning any house 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)
  • Loan-to-Value (LTV) Ratio: 90% loan and 10% equity.
  • Subsidized markup rates of 5% for first ten years of financing
  • No Processing Cost and No Prepayment Penalty

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