The Prime Minister’s Apna Ghar Program has disbursed more than Rs. 100 billion in housing loans, marking a major milestone in the government’s low cost housing initiative.
According to the figures shared by Khurram Schehzad, Advisor to the Finance Minister, as of October 30, 2026, the program had provided Rs. 104 billion to 17,697 families, with loan disbursements increasing 404 percent since June 2026.
Housing Loan Approvals Reach Rs. 533 Billion
The program has received 220,715 applications, of which 90,405 have been approved, representing an approval rate of 41 percent. The total value of approved loans has reached Rs. 533 billion, while 17,697 families have received financing so far.
The value of disbursed loans has increased from Rs. 21 billion in June 2026 to Rs. 104 billion, while the total amount of approved loans has grown 269 percent from Rs. 144 billion to Rs. 533 billion.
Government Pushes Low Cost Housing Finance
The Apna Ghar Scheme was launched Prime Minister Shehbaz Sharif in April this year, as a nationwide initiative to expand affordable housing finance for low and middle income families. Backed by a government allocation of Rs. 3.2 trillion, the five year program aims to finance the construction of 500,000 homes across Pakistan.
It offers housing loans of up to Rs. 10 million, repayable over 20 years, with a subsidized fixed markup rate of 5 percent for the first 10 years, after which market rates apply. The scheme covers the purchase and construction of residential properties and is implemented through participating commercial banks, Islamic banks, microfinance institutions, and the House Building Finance Company.
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