Searching for a housing loan scheme in Pakistan in 2026 can feel confusing fast. You’ll come across Mera Ghar Mera Ashiana, the Wazir-e-Azam Apna Ghar Program (PM Apna Ghar), and Punjab’s Apni Chhat, Apna Ghar — and a lot of websites throw these names around as if they’re three completely separate loan products with different…
Owning a home has become a distant dream for most Pakistani families. Rents keep climbing, construction costs have nearly doubled in a few years, and regular bank loans charge markup rates as high as 22%. To tackle this head-on, Prime Minister Shehbaz Sharif launched the Wazir-e-Azam Apna Ghar Program, also known as “Ghar Ho Tu…
Good news for anyone dreaming of owning their first home in Pakistan. The Prime Minister’s Apna Ghar Programme (PM-AGP) just became a lot more accessible. Until recently, you could only apply for this subsidised housing loan through commercial banks. Now, the federal government has allowed Non-Banking Finance Companies (NBFCs) to offer these loans too —…
Owning a house is still one of the biggest financial goals for most Pakistani families. But with property prices going up every year, buying a home in cash is simply out of reach for most salaried people. This is where government-backed housing finance steps in. The most common question people ask is not “how do…