Pakistan me apna ghar banana har khandan ka khwab hota hai, lekin mehnge bank qarzon ki wajah se aksar ye khwab poora nahi ho pata. Wazir-e-Azam Shehbaz Sharif ki wifaqi hukumat ne isi maslay ka hal nikalte hue apna ghar program 2026 mutaarif karaya hai, jisay “Ghar Ho Tu Apna” ke naam se bhi jana jata hai. Is program ke tehat banks ke zariye Rs 10 million tak ka home loan sirf 5% saalana markup par milta hai — ye aik markup subsidy aur risk-sharing scheme hai jo aik digital platform ke zariye chalayi ja rahi hai.
Introduction
apna ghar program 2026 wifaqi hukumat ka affordable housing finance ka program hai, jis ka maqsad un logon ko sasta qarza faraham karna hai jin ke paas apna pehla ghar nahi hai. Aam banks ka home loan markup kaafi zyada hota hai, jis se mahana qist aam aadmi ki pohanch se bahar ho jati hai. Is scheme me hukumat markup subsidy deti hai aur banks ke sath risk share karti hai, taake qarza lene walon ko kam markup par finance mil sake. Qarza teen maqsad ke liye hai: ghar ki tameer, ghar ya flat ki khareedari, ya plot khareed kar us par tameer.
Key Details
apna ghar program 2026 ki bunyadi tafseel darj zail hai:
- Markup: Pehle 10 saalon ke liye sirf 5% saalana markup; is ke baad maturity tak 1-year KIBOR plus 3%.
- Qarz ki miqdar: Ghar ki kul lagat ka 90% ya Rs 10 million — jo bhi kam ho.
- Muddat (tenor): 20 saal tak ki muddat.
- Islamic tareeqa: Diminishing Musharakah ke zariye finance.
- Zariya: Banks ke zariye aik digital platform par.
9 October 2026 tak ki progress: kul 191,900 darkhwasten mosul hui — 75,200 manzoor, 22,500 mustarad, 94,300 zair-e-ghor. Manzoor shuda raqam Rs 448 billion hai, jin me se 14,000 qarze (Rs 80.6 billion) taqseem ho chuke hain.
Eligibility Criteria
- Pakistani CNIC rakhnay walay afrad apna ghar program 2026 me darkhwast de sakte hain, jin me overseas Pakistanis bhi shamil hain.
- Darkhwast guzar ke paas pehle se koi ghar ya flat nahi hona chahiye — ye scheme pehle ghar ke liye hai.
- Har khandan (household) sirf aik unit ke liye qarza le sakta hai.
- Qarza ghar ki tameer, ghar ya flat ki khareedari, ya plot khareed kar us par tameer ke liye istemal ho sakta hai.
How to Apply
apna ghar program 2026 me darkhwast ka tareeqa digital hai: official portal https://apnaghar.gov.pk par form, tafseel aur hidayat mojood hain. 15 October 2026 ko Wazir-e-Azam ki review meeting me program mazeed aasan kiya gaya — dastawezaat 25 se ghata kar sirf 5 kar di gayin aur processing ka zyada se zyada waqt 15 working days muqarrar kiya gaya, taake faisla jald ho.
Required Documents
Ab darkhwast ke liye sirf 5 dastawezaat darkar hain (pehle 25 theen). Valid Pakistani CNIC lazmi hai, kyunke eligibility CNIC par mabni hai; is ke ilawa property, plot ya tameer se mutaliq bunyadi dastawezaat darkar hongi. Mukammal updated fehrist https://apnaghar.gov.pk par check karen.
Important Dates and Payments
- 15 October 2026: Wazir-e-Azam ki review meeting — dastawezaat 25 se 5, aur processing time zyada se zyada 15 working days muqarrar.
- Markup schedule: Pehle 10 saal 5% saalana markup, is ke baad maturity tak 1-year KIBOR plus 3%.
- Tenor: 20 saal tak ki muddat me qistain ada ki ja sakti hain.
Frequently Asked Questions (FAQs)
Kya ye Punjab ki Apni Zameen Apna Ghar scheme hai?
Nahi. Ye WIFAQ ka Apna Ghar Program hai (“Ghar Ho Tu Apna”); Punjab ki Apni Zameen Apna Ghar aik alag scheme hai.
Overseas Pakistani darkhwast de sakte hain?
Jee haan — Pakistani CNIC rakhnay walay overseas Pakistanis eligible hain.
Zyada se zyada kitna qarza mil sakta hai?
Ghar ki lagat ka 90% ya Rs 10 million, jo bhi kam ho — 20 saal tak ki muddat par.
Useful Links and Resources
- Apna Ghar Program Official Portal — https://apnaghar.gov.pk
- NADRA (CNIC se mutaliq) — https://nadra.gov.pk
Conclusion
apna ghar program 2026 pehla ghar bananay ya khareedne walon ke liye sunehra mauqa hai — 5% markup, Rs 10 million tak qarza, 20 saal muddat aur sirf 5 dastawezaat. Eligible afrad https://apnaghar.gov.pk par tafseel parh kar darkhwast den. Kisi agent ko fee ke naam par raqam na den — sarkaari schemes me darkhwast muft hoti hai. Mazeed sarkari scheme updates ke liye Sarkari Daily Updates par bhi nazar rakhen.