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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 or Apartment of up to 1,500 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% for the first 10 years; 1-Year KIBOR + 3% from 11th year onward

  • 20 years

  • All citizens of Pakistan and non-resident Pakistanis holding valid CNIC/SNIC/NICOP/POC and not already owning any residential unit (house / apartment) in their name
  • Salaried individuals, self-employed individuals and individuals with informal source(s) of income
  • Per month minimum net disposable income of Rs.37,000/-
  • Age from 21 to 60 years; however, at the time of maturity of financing, the age of salaried individual should not be more than 60 years and self-employed individual should not be more than 65 years
  • 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.

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