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Markup Subsidy and Risk Sharing Scheme for Affordable Housing Finance  

With a view to promote affordable housing finance, the Government of Pakistan has introduced a Markup Subsidy and Risk Sharing Scheme namely ‘Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna’.

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Key Features

 KEY FEATURES  | Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna
Eligibility Criteria
  • First time homeowners citizens of Pakistan holding CNICs.
  • Not owning any housing unit in their name
Scope
  • Purchase of house/flat.
  • Construction of house on already owned plot.
  • Purchase of plot and construction of house.
Size of Housing Unit
  • House of up to 10 Marla / 2,720 sq. ft.
  • Flat of up to 1500 sq. ft.
Participating Financial Institutions (PFIs)
  • All commercial banks, Islamic banks, MFBs and HBFCL.
Customer/end user fixed pricing
  • Flat 5% for the first 10 years
Bank Charges
  • No processing cost
  • No prepayment penalty
Minimum Equity Requirement
  • 10%

Note: Minimum 10% would not apply if the property value is greater than 11.1 Mil to meet the max loan size amount
Maximum Loan Size
  •  Up to PKR 10 Million


Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna | Important Documents:

List of Designated Branches

Key Fact Statement

Wazir-e-Azam Apna Ghar Program Lead/Query Form

Wazir-e-Azam Apna Ghar Program Calculator