PM Apna Ghar Scheme 2026 — Home Loan Calculator
Wazir-e-Azam Apna Ghar Program | JJS Solid House — Lahore, Pakistan
First-time home buyer only | Age 25 to 60 years | Minimum income PKR 25,000 per month | Property maximum 10 Marla or 1,500 sq ft flat | 90% bank financing — 10% equity required | Apply via participating banks including Allied Bank, Bank AL Habib and HBFC
PM Apna Ghar Scheme 2026 — Complete Guide for Pakistan
The PM Apna Ghar Scheme 2026, officially known as the Wazir-e-Azam Apna Ghar Program, is one of the most significant housing finance initiatives launched by the Government of Pakistan. Designed to address the growing housing shortage across the country, this scheme provides first-time homebuyers with access to affordable long-term financing at heavily subsidised markup rates — making home ownership a realistic possibility for millions of middle and lower-income families in Lahore, Karachi, Islamabad, and across Pakistan.
If you are planning to buy or build your first home in Lahore and want to understand exactly what your monthly installment will be under this scheme, use the JJS Solid House PM Apna Ghar calculator above to get instant, accurate figures.
PM Apna Ghar Scheme 2026 — Key Features
| Feature | Detail |
|---|---|
| Scheme name | Wazir-e-Azam Apna Ghar Program |
| Tier 1 markup rate | 5% per annum — first 10 years |
| Tier 2 markup rate | 8% per annum — first 10 years |
| Loan amount range | PKR 500,000 to PKR 5,000,000 |
| Maximum loan tenure | 20 years |
| Bank financing ratio | 90% bank — 10% applicant equity |
| Maximum property size | 10 Marla house or 1,500 sq ft flat |
| Eligible applicants | First-time homebuyers aged 25 to 60 |
| Post-subsidy rate | Market rate applies after Year 10 |
| Participating banks | Allied Bank, Bank AL Habib, HBFC and others |
How the PM Apna Ghar Scheme Two-Phase Payment Works
One of the most important things every applicant must understand about the PM Apna Ghar Scheme is the two-phase payment structure. Many homebuyers focus only on the subsidised installment in Phase 1 without fully understanding what happens when Phase 2 begins.
Phase 1 — Years 1 to 10 (Subsidised Markup)
During the first 10 years of your loan, the Government of Pakistan subsidises the markup rate — keeping it at either 5% for Tier 1 or 8% for Tier 2. Your monthly installment during this phase is calculated based on the full loan tenure at the subsidised rate. This makes your payments significantly more affordable than a commercial bank loan during the initial decade of homeownership.
Phase 2 — Year 11 onwards (Market Markup Rate)
After the 10-year subsidy period ends, the remaining outstanding loan balance is recalculated at the prevailing market markup rate. This is the rate your bank charges on standard home loans at that point in time. Historically, commercial bank lending rates in Pakistan have ranged between 15% and 22% depending on State Bank policy rates. This means your monthly installment in Phase 2 will almost certainly be higher — often significantly higher — than your Phase 1 installment.
The JJS Solid House calculator shows both phases separately and calculates your exact remaining balance after Year 10 so you can plan your finances accurately for the full loan tenure — not just the first 10 years.
Who is Eligible for PM Apna Ghar Scheme 2026?
The scheme has specific eligibility requirements designed to ensure the benefits reach genuine first-time homebuyers across Pakistan. Before applying through any participating bank, confirm you meet all of the following criteria.
You must be a Pakistani citizen between 25 and 60 years of age at the time of loan maturity. You must not currently own any residential property anywhere in Pakistan in your name. Your monthly income must be at least PKR 25,000 for salaried applicants and PKR 20,000 for co-applicants. The property being financed must not exceed 10 Marla in size for a house or 1,500 square feet for a flat. You must contribute a minimum 10% equity down payment from your own funds. For salaried employees, a minimum of 2 years of employment history is required. For self-employed applicants, a minimum of 3 years of documented business history is required.
PM Apna Ghar Scheme — Monthly Installment Examples
| Property Value | Down Payment | Loan Amount | Phase 1 Monthly (5%) | Phase 1 Monthly (8%) |
|---|---|---|---|---|
| PKR 20 Lac | PKR 2 Lac | PKR 18 Lac | ~PKR 11,880 | ~PKR 14,850 |
| PKR 30 Lac | PKR 3 Lac | PKR 27 Lac | ~PKR 17,820 | ~PKR 22,275 |
| PKR 50 Lac | PKR 5 Lac | PKR 45 Lac | ~PKR 29,700 | ~PKR 37,125 |
| PKR 1 Crore | PKR 10 Lac | PKR 35 Lac (Tier 1 max) | ~PKR 23,100 | N/A — Tier 2 applies |
All figures above are based on 20-year tenure. Use the calculator above for your exact figures.
Frequently Asked Questions — PM Apna Ghar Scheme 2026
What is the markup rate for PM Apna Ghar Scheme 2026?
The PM Apna Ghar Scheme 2026 offers two tiers. Tier 1 provides a subsidised markup rate of 5% per annum for the first 10 years of the loan for loan amounts up to PKR 3.5 million. Tier 2 provides a markup rate of 8% per annum for the first 10 years for loan amounts up to PKR 5 million. After the 10-year subsidy period, the market rate applies for the remaining tenure.
What happens to my installment after 10 years?
After the 10-year subsidised period ends, your remaining loan balance is recalculated at the prevailing market markup rate. Your monthly installment will increase at this point. Use the JJS Solid House calculator above to see your exact Phase 2 installment based on your loan amount and tenure.
What is the maximum loan amount under PM Apna Ghar Scheme?
The maximum loan amount under PM Apna Ghar Scheme 2026 is PKR 5 million (50 Lac) under Tier 2. Tier 1 has a maximum loan of PKR 3.5 million (35 Lac). The scheme finances 90% of the property value — you must contribute a minimum 10% as down payment from your own funds.
Which banks offer PM Apna Ghar Scheme in Lahore?
Several banks are participating in the PM Apna Ghar Scheme across Lahore and Pakistan including Allied Bank Limited, Bank AL Habib, House Building Finance Company (HBFC), and other designated participating banks approved by the State Bank of Pakistan. Visit any branch of these banks in Lahore to apply.
Can I use PM Apna Ghar Scheme to build a new house on my plot in Lahore?
Yes. The PM Apna Ghar Scheme covers both purchase and construction of a first home. If you own a plot in Lahore or anywhere in Pakistan and want to build your house, you can apply for construction financing under this scheme provided you meet all eligibility criteria. Once your loan is approved, contact JJS Solid House for professional construction, waterproofing and electrical services for your new home.
How do I apply for PM Apna Ghar Scheme 2026?
You can apply through any participating bank branch across Pakistan. Required documents typically include your valid CNIC, proof of income (salary slips or business records), property documents, utility bill, bank statement for the last 6 months, and a recent passport photograph. Processing time is usually 2 to 4 weeks depending on the bank and completeness of your documentation.
Building or renovating your new home in Lahore?
Once your PM Apna Ghar loan is approved, JJS Solid House is ready to help with professional waterproofing, construction, and flameproof electrical services across Lahore and Pakistan.
Contact for Construction and House Design Services on WhatsApp