Illustration representing Pakistan’s housing initiative – a family in front of a new home with the national crescent and star
This illustration is custom made for Apna Ghar Guide and symbolises the hope offered by government housing programmes. It does not depict any real individuals or government endorsements.
Your guide to Ghar Ho To Apna and Pakistan’s housing schemes

Prime Minister Apna Ghar Scheme 2026: Ghar Ho To Apna

Comprehensive and up‑to‑date guides on Pakistan’s government housing initiatives including the Prime Minister Apna Ghar Program – popularly known as Ghar Ho To Apna – as well as the Wazir‑e‑Azam Apna Ghar scheme, Punjab’s Apni Chhat Apna Ghar (ACAG) interest‑free loan and Apni Zameen Apna Ghar (AZAG) free plots. Find eligibility criteria, required documents, registration steps, status checking and loan calculator tools in one place.

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)
Update: October 2026

PM Apna Ghar: documents cut from 25 to 5 on 14 October 2026; 75,198 loans worth Rs 448 billion approved. Apni Chhat Apna Ghar: 223,547 interest-free loans disbursed (PKR 291,440.5 million) per the ACAG portal, as of 28 October 2026. Both portals remain open. New guides: Apna Ghar Mehfooz Ghar (Mehfooz Chhat) loan, Mera Ghar Mera Ashiana, Maryam Nawaz loan scheme 2026, Helpline numbers, Registration last dates, Sindh, KPK and Balochistan, Apni Chhat Apna Ghar scheme, acag.punjab.gov.pk online apply, ACAG list 2026, Shahbaz Sharif loan scheme, all loan schemes 2026, bank house loans, online loan apply safely, PM youth loan, Asaan Karobar loan.

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. About Rs 14,000 monthly, interest free. Applicants must own a small plot and be aged 21 to 60. 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, about 2,000 plots allotted by computerised ballot. Phase 2 dates not announced yet.

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
7-9 YrsTenure
223K+Loans Disbursed
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

Twenty-five 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, about 2,000 plots by computerised ballot. 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 Punjab Scheme

Apna Ghar Mehfooz Ghar (Mehfooz Chhat): Roof and Extra Floor Loan

Interest free Rs 500,000 loan to fix an unsafe roof or Rs 1M to add a floor, repaid over 9 years. Eligibility, PMT rule, documents and how to apply.

Read guide Punjab Loans

Maryam Nawaz Loan Scheme 2026: Every CM Punjab Loan Compared

House loans, Mehfooz Chhat, Asaan Karobar and more side by side, with who qualifies, where to apply and the current status of each.

Read guide Federal Scheme

Mera Ghar Mera Ashiana 2026: What Changed and How to Apply

The old scheme now runs as the Wazir e Azam Apna Ghar Programme. Old vs new terms, banks, instalments and how to apply today.

Read guide All Provinces

Apna Ghar Scheme in Sindh, KPK, Balochistan, Islamabad, GB and AJK

The federal Rs 10M loan at 5 percent works outside Punjab too. How to apply from every province, plus SPHF and KP housing options.

Read guide Helpline

Apna Ghar Helpline Numbers and Complaint Portals

ACAG 0800-09100, PM Apna Ghar UAN, complaint portals and where to report scam calls, all checked on official sites.

Read guide Registration Update

Apna Ghar Registration 2026 Last Date: Status of Every Scheme

Is there a last date? Current registration status for PM Apna Ghar, ACAG, Mehfooz Chhat and AZAG plots, and how to spot fake deadlines.

Read guide Punjab ACAG

Apni Chhat Apna Ghar Scheme 2026: Rs15 Lakh Interest-Free House Loan

The full Apna Ghar Apni Chat guide: who qualifies, monthly instalments, how to apply online, loan tranches and live programme numbers.

Read guide ACAG Portal

acag.punjab.gov.pk Online Apply, Login and Complaints

What every button on the official ACAG portal does, how to register and log in, and the official channels for complaints.

Read guide ACAG List

Apni Chhat Apna Ghar List 2026: Phase 2 and PDF Facts

Is there an official phase 2 list or PDF? How selection really works, how to check your own result, and fake list warnings.

Read guide Federal Loans

Shahbaz Sharif Loan Scheme 2026: PM House Loan and More

The PM house loan at 5 percent, the banks that offer it, and the youth business and other federal loans open in 2026.

Read guide All Loans

Loan Schemes in Pakistan 2026: Every Government Loan Compared

Housing, youth, business and other federal and provincial loan schemes in one table, with amounts, markup and October 2026 status.

Read guide Bank Loans

Bank House Loans in Pakistan 2026: Meezan, HBL, BOP and More

How bank home financing works, the main banks compared from their own pages, and when the subsidised PM house loan is cheaper.

Read guide Stay Safe

Online Loan Apply in Pakistan: Official Portals and Loan App Checks

Where to apply online for real schemes, how to check a loan app on the SECP list, and how to spot fake scheme links.

Read guide Youth Loans

PM Youth Loan Scheme 2026: Kamyab Jawan Business Loan Guide

The Prime Minister youth business and agriculture loan: tiers, markup, age limits and how to apply on pmyp.gov.pk.

Read guide Business Loans

Asaan Karobar Loan Scheme 2026: Finance and Card Explained

Punjab CM Asaan Karobar Finance and Asaan Karobar Card: amounts, markup, eligibility, online apply and current status.

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 NCCIA Cybercrime (1799).

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