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.

 Bank Pricing

• One Year KIBOR + 3%

 Customer/end user fixed pricing

• Flat 5%

 Bank Charges

• No processing cost
• No prepayment penalty

 Loan to Value (LTV) Ratio

• 90:10 (90% loan & 10% equity)

 Risk Coverage

• 10% of the outstanding portfolio under the scheme on first loss basis

•  Up to PKR 10 Million