MOHW Wazir-e-Azam Apna Ghar Program
Description
Subsidized housing finance scheme offering loans of up to PKR 10 million for first-time home buyers. The government provides a markup subsidy, fixing the profit rate at 5% for the first 10 years through participating banks. Financing covers purchase of a house or flat, construction on an owned plot, or purchase of a plot with construction. No processing fee and no penalty for early repayment.
✅ Eligibility Criteria
Pakistani national holding valid CNIC (or NICOP/POC for non-resident Pakistanis); must be a first-time home owner (not owning any housing unit in their name); salaried individuals: age 25–60 years; self-employed/business persons: age 25–65 years; minimum gross monthly income of PKR 40,000; salaried: minimum 6 months continuous employment; self-employed: minimum 2 years in current business; co-applicants allowed (up to 4 immediate family members)
📋 Documents Required
CNIC copy; Bank statement (last 6–12 months); Salary slip (for salaried) or 3 years business proof/tax returns (for self-employed); Proof of income; Property documents (title deed/registry); Any other documents required by the bank
📞 Contact Information
Person: Concerned Bank Branch Manager / Housing Finance Department
Phone: Varies by bank
