UAN : 051-9217095 info@pha.gov.pk
Government Housing Initiative

Markup Subsidy and Risk Sharing Scheme for Affordable Housing Finance

Welcome to Prime Minister’s Apna Ghar Program – ‘Ghar Ho To Apna’, Pakistan’s trusted online platform dedicated to guiding you through every step of your journey toward affordable home ownership. Our mission is to provide reliable, accurate, and easy-to-understand information about the Prime Minister’s Apna Ghar Program – ‘Ghar Ho To Apna’ Loan Scheme and other government housing initiatives.

Financing is available for construction or purchase of completed housing units.

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🏠 Housing Financing Features Scheme Details

Complete details of eligibility, tenure and financing options

(1) Eligibility
First-time homebuyers across Pakistan holding a valid CNIC and not owning any housing unit are eligible to apply.
(2) Loan Tenure
Up to 20 years flexible repayment period.
(3) Financing Limit
Up to Rs. 10 million. 5% fixed markup for first 10 years, remaining 10 years at market rate.
(4) Scope of Financing
Purchase or construction up to 10 Marla house or 1,500 sq ft apartment.
(5) LTV Ratio
90% bank financing with only 10% borrower contribution.
(6) Participating Institutions
All commercial & Islamic banks, microfinance banks, and HBFCL.
(7) Processing Charges
No processing fee and no prepayment penalty.

Participating Financial Institutions (PFIs) – For Prime Minister’s Apna Ghar Program – ‘Ghar Ho To Apna’ Housing Scheme

Choose your preferred bank and submit your Prime Minister’s Apna Ghar Program – ‘Ghar Ho To Apna’ application instantly. ( Apply Now 🔒 )

ALBARAKA BANK (PAKISTAN) LTD.
ALLIED BANK LTD.
ASKARI BANK LTD.
BANK ALFALAH LTD.
BANK AL-HABIB LTD.
BANKISLAMI PAKISTAN LTD.
DUBAI ISLAMIC BANK PAKISTAN LTD.
FAYSAL BANK LTD.
FIRST WOMEN BANK LTD.
HABIB BANK LTD.
HABIB METROPOLITAN BANK LTD.
JS BANK LTD.
MCB BANK LTD.
MCB ISLAMIC BANK LTD.
MEEZAN BANK LTD.
NATIONAL BANK OF PAKISTAN
SAMBA BANK LTD.
SINDH BANK LIMITED
SONERI BANK LTD.
STANDARD CHARTERED BANK (PAKISTAN) LTD.
THE BANK OF KHYBER
THE BANK OF PUNJAB
UNITED BANK LTD.
HOUSE BUILDING FINANCE COMPANY LIMITED
ASA Pakistan Microfinance Bank
HBL Microfinance Bank
Khushhali Microfinance Bank
Mobilink Microfinance Bank
LOLC MFB
U Microfinance Bank

Contact Our Representatives

Scheme Representatives

Official focal persons for Mera Ghar, Mera Ashiana Scheme

Director MGMA – PHAF
Mera Ghar, Mera Ashiana Scheme
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Deputy Director – PHAF (Focal Person)
Mera Ghar, Mera Ashiana Scheme
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Deputy Director – PHAF (Focal Person)
Mera Ghar, Mera Ashiana Scheme
Contact Us