Apna Ghar Programme Applications Cross 139,000 Mark
The Wazir e Azam Apna Ghar Programme, known as Ghar Ho Tu Apna, is seeing record demand across Pakistan. Applications rose 52 percent since June, reaching close to 139,000.
According to official sources, the Access to Finance Steering Committee shared these numbers under Federal Finance Minister Senator Muhammad Aurangzeb.
Latest Apna Ghar Programme Numbers at a Glance
Loan approvals grew faster than applications. This shows banks are moving quicker on eligible cases under the affordable housing finance scheme.
| Indicator | Latest Position | Change Since June |
|---|---|---|
| Applications received | Nearly 139,000 | Up 52% |
| Loans approved | More than 46,000 | Up 84% |
| Approved financing | Rs279 billion | Nearly doubled from Rs144 billion |
| Loans disbursed | More than 7,600 | Up 59% |
| Amount disbursed | More than Rs38 billion | Significant increase |
The Real Challenge: Turning Approvals Into Disbursed Loans
Rs279 billion has been approved. Only Rs38 billion has reached borrowers so far. That gap is now the biggest test for the Apna Ghar Programme.
A housing loan needs several checks before money is released. Banks review income, property ownership, valuation, and construction costs.
As per government announcements, an April 2026 State Bank circular now requires banks and the House Building Finance Company to finish credit approval within 15 working days of a complete application.
Why Demand for Apna Ghar Home Loans Is Rising
The scheme offers a fixed 5 percent customer pricing rate. The government covers the subsidy cost, which makes monthly payments easier to plan around.
Financing can reach up to Rs10 million. Houses up to 10 marla or 2,720 square feet qualify, and flats up to 1,500 square feet are also covered.
The State Bank has made home loans easier to access through a multi channel strategy launched in June 2026. It now covers overseas Pakistanis with NICOP or POC documents, government employees, and buyers in approved private developer projects.
Who Can Apply and How
Eligibility depends on the participating bank and current programme rules. Applicants should confirm requirements directly with their bank or the House Building Finance Company.
Start by checking the latest official rules, since the scheme has changed its name and features more than once in 2026. Then choose a participating bank and prepare complete income and property documents.
Readers exploring related government housing support can also check the expansion of the programme through NBFCs and the separate Apni Chhat Apna Ghar scheme, which targets a different segment of low income applicants.
Why Pakistan’s Housing Finance Gap Still Matters
The State Bank estimates Pakistan is short of about 10 million housing units. Most of that shortage affects low and middle income families.
Without formal financing, many households build homes slowly over years, using savings or informal loans from family. A stronger housing finance market also supports jobs in cement, steel, and construction related trades.
What Changed in the Apna Ghar Programme During 2026
In March 2026, the scheme was renamed from Mera Ghar Mera Ashiana to the Wazir e Azam Apna Ghar Programme. The loan limit was also raised to Rs10 million with a flat 5 percent rate.
In April, the State Bank added the 15 working day approval target. By June, the multi channel strategy expanded access further, which supported the recent growth described in this Apna Ghar Programme update.
What Happens Next for Apna Ghar Applicants
The next official update will show whether disbursements catch up with approvals. Officials are also watching property verification, legal documentation, and how many approved loans turn into completed homes.
According to the State Bank of Pakistan, further reforms to housing finance regulations and longer loan tenors are also under review.
Frequently Asked Questions
How many people have applied for the Apna Ghar Programme?
Nearly 139,000 applications had been received in the latest update, a 52 percent rise since June 2026.
How many housing loans have been approved so far?
More than 46,000 loans have been approved, up 84 percent since June.
How much financing has been approved under the scheme?
Approved financing reached about Rs279 billion, nearly double the Rs144 billion reported in June.
How much money has actually reached borrowers?
More than Rs38 billion has been disbursed through over 7,600 loans so far.
What is the maximum loan amount under Apna Ghar?
The State Bank allows financing of up to Rs10 million under the revised framework.
Can overseas Pakistanis apply for Apna Ghar financing?
Yes. Eligible overseas Pakistanis with NICOP or POC documents can apply under the June 2026 multi channel strategy.
Key Takeaway
Nearly 139,000 applications show strong public demand for affordable housing finance in Pakistan. The 84 percent rise in approvals is real progress.
The next measure of success is simple. It is how fast approved money reaches families and turns into completed homes.
