Features
Low & Fixed Markup:
As low as 5% for the first 10 years
Up to 20 Years Tenure:
Long-term repayment flexibility
No Hidden Costs:
No processing charges or prepayment penalties
Multiple Financing Options:
Buy, build or construct on your own plot
- All men and women holding a valid CNIC
- Must be a first-time homeowner
- Must not own any housing unit in their name
- Purchase of a house, flat, or apartment
- Construction of a house on an already owned plot
- Purchase of a plot and construction of a house thereon
- Purchase of a house/ flat in Under-Construction Projects
- House: Up to 10 Marla/ 2720 sq. ft
- Flat/Apartment: Up to 1500 sq. ft.
1. Financing Amount: Up to PKR 10 Million
2. Financing Tenure
- Up to 20 years (subsidy applicable for 10 years)
3. Loan to Value (LTV) Ratio
- 90:10 (90% financing and 10% equity)
4. Markup
- Flat 5% for the first 10 years
11th year onwards: 1 year KIBOR + 3%
- No processing fees
- No prepayment penalty
Q1. Who Can Apply for The Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna Loan Scheme 2025?
Q2. What is the age limit to apply for The Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna Housing Loan?
- Salaried: 23 – 60 years
- Self Employed: 21 – up to 75 years
- Others: up to 70 years
Q3. What Properties Can I Buy Under Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna Loan Scheme?
- Purchase of a house, flat, or apartment
- Construction of house on an already owned plot
- Purchase of plot and construction of house thereon
- Purchase of a house/ flat in Under-Construction Projects
Q4. What Is the Size Limit for Houses and Flats Under Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna Scheme 2025?
House: Up to 10 Marla/ 2720 sq. ft
Flat/Apartment: Up to 1500 sq. ft.
Q5. What is the Loan Repayment Period for Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna Scheme?
Subsidy applies for the first 10 years.
Q6. What Is the Down Payment Requirement for Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna?
Q7. What is the minimum monthly income required?