The Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna is a government-backed housing finance initiative in Pakistan designed to make home ownership more accessible for eligible citizens. The program was previously known as Mera Ghar – Mera Ashiana and was officially renamed in March 2026. The scheme provides subsidized housing finance through participating banks, Islamic banks, microfinance banks, and the House Building Finance Company.
What Is the Ghar Ho Tu Apna Program?
The main purpose of the program is to support people who want to own their first home but may not have enough financial resources to purchase or construct a house. Under the scheme, eligible applicants can obtain financing for purchasing a house or apartment, constructing a house on an already-owned plot, or purchasing a plot and constructing a house on it.
The program focuses on affordable housing units. Under the original scheme parameters, eligible housing includes houses of up to 5 Marla and flats or apartments with an area of up to 1,360 square feet.
Who Can Apply?
The scheme is primarily intended for first-time homeowners who are Pakistani citizens holding a valid CNIC and do not already own a housing unit in their name. Applicants are assessed by the participating financial institution according to the applicable financing and credit requirements.
The program has also been expanded through a multi-channel implementation strategy. In June 2026, the State Bank of Pakistan announced that Overseas Pakistanis and Non-Resident Pakistanis holding NICOP or POC could also obtain financing under the program. The strategy also allows participating institutions to facilitate financing for eligible government employees through departmental processing and supports private developer-led housing projects.
Loan Amount and Financing
Under the scheme’s published financing structure, housing finance is divided into two tiers. Tier 1 provides financing of up to PKR 2 million, while Tier 2 provides financing above PKR 2 million and up to PKR 3.5 million. The maximum financing tenor is 20 years, with the subsidy applicable for the first 10 years under the original scheme structure.
The published customer pricing was set at 5% for Tier 1 and 8% for Tier 2. The financing structure also provides a 90:10 loan-to-value ratio, meaning the financing can cover up to 90% of the eligible property value while the applicant contributes the remaining 10% as equity, subject to the applicable rules.
Recent Changes in the Program
The government has introduced several measures to make implementation easier. In April 2026, the State Bank of Pakistan stated that the total monthly amortization payments, including the proposed housing finance and other consumer financing obligations, should not exceed 65% of the borrower’s net disposable income. Banks and HBFCL were also instructed that credit approval should generally not take more than 15 working days after receiving a complete application.
Conclusion
The Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna is aimed at increasing access to affordable housing finance in Pakistan. It can help eligible first-time homeowners purchase a house or apartment, construct a home, or combine land purchase with construction. Because financing terms and eligibility requirements can change, applicants should check the latest official information and confirm the applicable conditions with a participating financial institution before applying.
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