UAN : 051-9217095 info@pha.gov.pk

Term and Conditions

We are here to help you anytime.

First-time homebuyers across Pakistan holding a valid CNIC and not owning any housing unit are eligible to apply for financing under the scheme.

Up to 20 years.

Up to Rs. 10 million, with a fixed markup rate of 5% for the first 10 years; the remaining 10 years at the prevailing market rate.

Purchase or construction of a house up to 10 Marla/2720 sq Ft., or an apartment up to 1,500 square feet.

90% loan financing with 10% borrower equity contribution.

All commercial and Islamic banks, microfinance banks, and the House Building Finance Company Limited (HBFCL).

No processing fee and no prepayment penalty.