Disclaimer

Effective Date: 1 May 2026

This Disclaimer governs your use of Apna Ghar Guide (apnagharguide.pk). By using the website, you accept this Disclaimer in full. If you disagree with any part of it, please do not use this website.

Informational Use Only

The content on Apna Ghar Guide is for general information purposes only. It is not legal, financial, tax, or professional advice and should not be relied upon as such.

The Apna Ghar schemes (federal Wazir e Azam Apna Ghar Programme, Apni Chhat Apna Ghar, Apni Zameen Apna Ghar) involve substantial financial commitments. Always consult with a qualified financial advisor, lawyer, or scheme officer before making decisions based on information from this website.

No Government or Bank Affiliation

Apna Ghar Guide is an independent informational website. We have no official affiliation with:

• Government of Pakistan or Government of Punjab
• Office of the Prime Minister or Office of the Chief Minister
• State Bank of Pakistan
• PHATA (Punjab Housing & Town Planning Agency)
• BISP (Benazir Income Support Programme)
• Pakistan Housing Authority Foundation
• Meezan Bank, HBFC, Bank Alfalah, Bank of Punjab, Allied Bank, Bank AL Habib, or any other participating bank

Any reference to these entities is for informational purposes and does not imply partnership or endorsement.

Accuracy and Currency

Government scheme details change frequently. Loan slabs, markup rates, eligibility criteria, document requirements, application portals, and helpline numbers may be updated by authorities at any time. While we strive to keep this website current, we cannot guarantee that every figure is accurate at the moment you read it.

Always verify current details on the following official portals before applying:

• Federal scheme: apnaghar.gov.pk
• Punjab ACAG: acag.punjab.gov.pk
• Punjab AZAG: azag.punjab.gov.pk

No Application Processing

Apna Ghar Guide does not process applications for any housing scheme. We do not act as agents, intermediaries, or representatives. We never ask for CNIC, application fees, or personal documents.

If anyone, by phone, SMS, social media, or any other channel, claims to be Apna Ghar Guide and offers to:

• Process your application for a fee
• Guarantee approval
• Speed up your verification
• Lower your PMT score
• Bypass eligibility requirements

It is a scam. Report immediately to FIA Cybercrime helpline 1991.

No Guarantee of Approval

Following the information on our website does not guarantee approval of your Apna Ghar application. Approval depends on official eligibility verification by PHATA, banks, and BISP. We have no influence over the approval process.

Financial Decisions

Taking a housing loan is a significant financial commitment that may span 7 to 20 years. Before signing any loan agreement, ensure you understand:

• Total cost of borrowing including all markup
• Monthly installment affordability
• Penalties for late payment or default
• Property ownership and lien terms
• Insurance requirements
• What happens if you lose your income source

Consult an independent financial advisor before committing.

External Links

This website contains links to external sites including government portals, bank websites, and reference sources. We are not responsible for the content, accuracy, privacy practices, or availability of external sites.

Errors and Omissions

Despite editorial efforts, this website may contain errors, omissions, or outdated information. If you find an error, please report it to our editorial team and we will investigate and correct it as quickly as possible.

Limitation of Liability

Apna Ghar Guide and its operators shall not be liable for any losses, damages, costs, or claims arising from your use of, or reliance on, content from this website. Use of the website is entirely at your own risk.

Currency

All Rupee figures (Rs) refer to Pakistani Rupees (PKR) unless explicitly stated otherwise.

Consent

By using this website, you acknowledge that you have read and accepted this Disclaimer in full.