Apna Ghar Program – Ghar Ho Tu Apna Markup Subsidy and Risk Sharing Scheme for Housing Finance under the guidance of the State Bank of Pakistan. This facility enables you to fulfil your dream of owning your own home with an affordable and easy repayment plan.
Key Features
Free Life Insurance
Subsidised Markup Rate
Financing up to PKR 10 Million
Available for up to 20 years
Easy Documentation
Quick Processing
No restrictions and no charges on early repayment
No cap on Property Price
Eligibility Criteria
- All men / women holding valid CNIC.
- First time home owner.
- Not Owning any housing unit on his/her name.
- Minimum Income PKR 25,000/- for applicant and PKR 20,000/- for co-applicant(s)
- Minimum 3 years proof of business for SEB (Self Employed Businessmen) & SEP (Self Employed Professional).
- Minimum 2 years employment period for Salaried.
- Minimum 3 years employment period for Government salaried employees (Contractual)
- Minimum 5 years employment period for non-government salaried employees (Contractual)
Product Variants
- Purchase of House/flat/apartment
- Construction of house on already owned plot
- Purchase of plot and construction of house thereon
Age (Applicant & Co-applicant)
- 60* Years for Salaried Individuals and
- 65* Years for Self Employed Businessmen/Professionals
