Wazir-e-Azam Apna Ghar Program promotional banner showing PM Shehbaz Sharif, the program logo, and key details: up to 1 crore rupees loan, 5 percent annual markup, 20-year payment tenure, 1500 sqft home or 10 marla plot, applications via online portal or Begin and HBFC branches
Image credit: Government of Pakistan / Pakistan Housing Authority. Used here for informational purposes about the publicly announced Wazir-e-Azam Apna Ghar Program. Apna Ghar Guide is an independent informational website and is not affiliated with the Government of Pakistan.
Launched 30 April 2026, Wazir e Azam Apna Ghar Programme

Apna Ghar Scheme 2026: Your Complete House Loan and Free Plot Guide

Independent, up to date guides on Pakistan's three major housing schemes including the new Prime Minister (Wazir e Azam) Apna Ghar Programme house loan scheme, Punjab's Apni Chhat Apna Ghar (ACAG) interest free loan, and Apni Zameen Apna Ghar (AZAG) free 3 marla plots. Covers online registration 2026, the loan calculator, partner banks like Meezan Bank and HBFC, plus how the scheme replaces Mera Pakistan Mera Ghar. No agents, no fees, just clear information.

Find your scheme Calculate Installment
Rs 1 Crore Maximum loan amount
5% Annual markup rate
20 Years Maximum tenure
10 Marla Max plot size (27,200 sqft)
Real Portal Screenshots

What the official Apna Ghar portal actually looks like

Every guide on this site is built from real interactions with the official PHA and Punjab government portals. Here's a quick preview of what you'll see when you log in.

Official Wazir-e-Azam Apna Ghar Programme attention modal from PHA portal showing applicant instructions in English and Urdu
Apna Ghar Apply for Loan widget showing 4-step bilingual application process
Real screens from apnaghar.gov.pk
Three Schemes, One Goal

Find the scheme that fits your life

"Apna Ghar" is actually three distinct schemes running in parallel. Pick the one that matches your income, location, and land status.

Wazir e Azam Apna Ghar Programme icon Federal, New 2026

Wazir e Azam (PM) Apna Ghar Programme

Federal house loan scheme for all Pakistanis, regulated by the State Bank of Pakistan. Up to Rs 10M loan at fixed 5 percent markup over 20 years. 90 percent bank financing, 10 percent equity. Successor to the previous Mera Pakistan Mera Ghar scheme.

Read full guide Apni Chhat Apna Ghar ACAG icon Punjab, Interest Free

Apni Chhat Apna Ghar (ACAG)

Punjab interest free construction loan up to Rs 1.5M for landowners. Rs 14,000 monthly over 7 years. PMT score must be 60 or below. Run by CM Maryam Nawaz's government through PHATA.

Check status by CNIC Apni Zameen Apna Ghar AZAG icon Punjab, Free Plot

Apni Zameen Apna Ghar (AZAG)

Free 3 marla residential plots for landless families across 19 Punjab districts. Phase 1 had 257,000 applications for 2,000 plots. Phase 2 expected soon.

Apply for free plot
Quick Compare

PM Apna Ghar vs Apni Chhat Apna Ghar

The two flagship schemes side by side. Both are open right now and both target homeownership, but they're built for different families.

Federal, Wazir e Azam Shehbaz Sharif

PM Apna Ghar Programme

House loan scheme for middle income Pakistanis, jointly run by the Prime Minister's office and the State Bank of Pakistan. Replaces and expands the earlier Mera Pakistan Mera Ghar (MPMG) scheme. Buy, construct, or build with 90 percent bank financing.

Rs 10MMaximum Loan
5%Fixed Markup (10 yrs)
20 YrsTenure
15 DaysApproval Time
Read full guide
Punjab, CM Maryam Nawaz

Apni Chhat Apna Ghar (ACAG)

Interest free construction loan for low income Punjab families with their own small plot. Rs 14,000 monthly equals typical rent in many cities.

Rs 1.5MMaximum Loan
0%Interest Rate
7 YrsTenure
99%Recovery Rate
Check status and apply
See full comparison
Live Tool

How much will your home cost per month?

The calculator below uses the exact PM Apna Ghar Programme formula, verified to the rupee against PMO and State Bank of Pakistan figures. Slide to see your installment.

Monthly Installment
Rs 16,499
Total Repayment
Rs 3,959,761
Total Markup
Rs 1,459,761
10% Equity Required
Rs 277,778
Total Months
240
Open full calculator guide
Complete Guide Library

Everything you need, in plain language

Ten in depth guides covering every angle of the Apna Ghar schemes, from breaking news to the smallest document detail.

Federal Scheme

PM (Wazir e Azam) Apna Ghar Programme: Complete Guide 2026

Prime Minister Shehbaz launched the Rs 3.2 trillion federal house loan scheme on April 30, 2026. Loans up to Rs 10M at 5 percent fixed markup over 20 years. State Bank of Pakistan regulated.

Read guide How to Apply

Apna Ghar Scheme Online Registration 2026: Form, Last Date and Login

Step by step guide to apna ghar scheme online registration 2026 on both portals. Form sections, last date status, login process, and what to do if registration is closed.

Read guide Comparison

PM Apna Ghar vs Apni Chhat Apna Ghar

Federal vs Punjab schemes head to head. Five real world scenarios decide which one is right for your income, location, and land status.

Read guide Calculator Tool

Apna Ghar Loan Scheme Calculator: Monthly Installments Rs 2.5M to Rs 10M

Live house loan calculator using the official PM Apna Ghar formula. Verified to the rupee against PMO and SBP figures. Compare tenures, slabs, and rates.

Open calculator Track Application

Apni Chhat Apna Ghar Status Check by CNIC

How to check ACAG status by CNIC, decode the seven status messages, and what to do for each one. Common errors and fixes.

Read guide Free 3 Marla Plot

Apni Zameen Apna Ghar 3 Marla Plot Scheme 2026

Free plots for landless families across 19 Punjab districts. Phase 1 had 257,000 applications for 2,000 plots. Eligibility, balloting, district list.

Read guide Login Help

Login Portal Guide: Both Federal and Punjab Portals

Sign in to apnaghar.gov.pk and acag.punjab.gov.pk with full troubleshooting. Eight common login errors ranked by frequency.

Read guide اردو Guide

اپنا گھر فارم: Form Urdu Guide

Trilingual field by field walkthrough. Urdu, Roman Urdu, and English translations of every field with the exact answer format the portal expects.

Read guide Eligibility

PMT Score for Apna Ghar: Check, Lower and Fix

The single biggest rejection cause. SMS to 8171, online check, BISP re-survey process, and what to do if your score is wrongly above 60.

Read guide Documents

Required Documents Checklist 2026

Complete document list for federal and Punjab schemes with affidavit template. Six applicant scenarios, file size limits, and 15 mistakes to avoid.

Read guide
Background Context

How is this different from Mera Pakistan Mera Ghar?

If you applied for the previous federal house loan scheme, here's what's changed under the new Wazir e Azam Apna Ghar Programme.

Feature Mera Pakistan Mera Ghar (MPMG, 2020) Wazir e Azam Apna Ghar (2026)
Launched byPM Imran Khan with State Bank of PakistanPM Shehbaz Sharif with State Bank of Pakistan
Maximum LoanRs 10 millionRs 10 million
Markup Rate5 to 7 percent subsidised (variable later)5 percent fixed for first 10 years, KIBOR plus 3 thereafter
TenureUp to 20 yearsUp to 20 years
Equity Required10 to 15 percent (varied by tier)10 percent across all tiers
StatusDiscontinued (2022)Active (launched 30 April 2026)

In short, the new Apna Ghar loan scheme keeps the best of Mera Pakistan Mera Ghar but adds fixed rate certainty, a wider partner bank network, and a dedicated portal at apnaghar.gov.pk. State Bank of Pakistan continues to regulate the scheme and audit participating banks.

Partner Banks

Where to apply for the Apna Ghar house loan

The Wazir e Azam Apna Ghar Programme works through participating banks regulated by the State Bank of Pakistan. Apply through any of these for the federal house loan scheme.

Meezan Bank Apna Ghar Islamic banking icon Islamic Banking

Meezan Bank Apna Ghar Scheme

Pakistan's largest Islamic bank, offering Shariah compliant Easy Home and Apna Ghar diminishing musharakah products under the federal scheme. Ideal for applicants seeking interest free Islamic financing.

HBFC House Building Finance Company icon Conventional

HBFC (House Building Finance Co.)

Pakistan's oldest housing finance company, partner in both the new Apna Ghar Programme and the previous Mera Pakistan Mera Ghar scheme. Specialised in low income mortgages.

Commercial banks for Apna Ghar including Bank Alfalah and Bank of Punjab Commercial

Bank Alfalah, Bank of Punjab and More

Other major partner banks include Allied Bank, Bank Alfalah, Bank of Punjab, Bank AL Habib, and most commercial banks regulated by SBP. All offer the same 5 percent subsidised rate under the federal scheme.

See full bank list and eligibility
Why This Site

Independent. Up to date. Free.

We are not a real estate agency. We are not affiliated with any bank, agent, or government office. We make money from display ads only, never from your data or your application.

Verified information only

Every figure is sourced from PM Office press releases, SBP circulars, and Punjab Government performance data. No guesses.

Updated weekly

Government policies change fast. Our guides are updated as new data is released, including the April 30 federal launch and ongoing ACAG performance.

Anti scam protection

We never collect your CNIC, never charge a fee, and we explicitly call out fake websites and agents. If anyone asks for money, walk away and report them to FIA Cybercrime (1991).

Ready to apply?

Start with our quick match guide to find which of the three schemes fits your situation, then follow our step by step registration walkthrough.

Find your scheme How to register