Mera Pakistan Mera Ghar 2026: status, rates and how to apply

Mera Pakistan Mera Ghar has been on hold since July 2022, when the State Bank of Pakistan (SBP) stopped further disbursements. The government housing loan open in 2026 is its successor, the Wazir-e-Azam Apna Ghar Program. As of October 2026 it lends first-time home owners up to Rs 1 crore at a fixed 5% for 10 years, for up to 20 years, and you pay 10% of the price yourself. You apply at apnaghar.gov.pk or a bank.

Is Mera Pakistan Mera Ghar closed?

For new loans, yes in practice. SBP’s papers called it the Government Mark-up Subsidy Scheme for Housing Finance, “commonly known as Mera Pakistan Mera Ghar (MPMG)”.

• 30 June 2022: SBP told banks to put further MPMG disbursements on hold from 1 July to 31 August 2022, while the government reviewed the scheme.
• 25 July 2022: banks could still pay out cases approved by 30 June 2022 if the buyer had already paid token money, the bank had finished the paperwork, or a down payment was made in a NAPHDA project. All other cases had to wait for revised terms.
• September 2022: ProPakistani reported that the scheme had not restarted after the August date, leaving applicants who had paid processing fees and token money waiting.

An SBP executive director said in August 2022 that the scheme had not shut down permanently. He said higher interest rates had pushed the government’s subsidy cost up to 15% from 7% at the start.

We found no SBP notice that restarted MPMG or formally ended it. In September 2025 SBP announced a new scheme instead.

By 30 June 2022, banks had paid out Rs100 billion under MPMG, approved Rs236 billion and received applications worth Rs500 billion (the SBP official, as reported by ProPakistani).

What replaced Mera Pakistan Mera Ghar?

The new scheme was launched, revised and renamed between September 2025 and April 2026:

When the limits went up in March 2026, borrowers already paying 8% under the first version had their rate cut to 5%. In July 2026 the government also let eligible non-bank finance companies lend under the scheme: housing and investment finance companies up to Rs 1 crore, and microfinance companies up to Rs 50 lakh (Business Recorder, citing SECP).

What are the Apna Ghar rates and limits in 2026?

These are the terms in SBP’s circulars, as of October 2026, next to the old MPMG terms of March 2021:

KIBOR is the Karachi Interbank Offered Rate, the benchmark banks price loans from. The 5% is fixed only for the first 10 years. On a 20-year loan, years 11 to 20 move with KIBOR, so your instalment can go up or down then.

Under MPMG the rate rose after year 5. Tier 1 (NAPHDA projects) started at 3%, cut to 2% in February 2022. Tier 2 paid 5% then 7%, and Tier 3 paid 7% then 9%.

Who is eligible for the Apna Ghar scheme?

SBP’s rules, as of October 2026:

• You are a Pakistani citizen with a CNIC.
• You are a first-time home owner and don’t own any house or flat in your name.
• The loan is to buy a house or flat, build on a plot you own, or buy a plot and build on it.
• The house is up to 10 marla, or the flat up to 1,500 sq ft.
• Your total monthly loan repayments, including this one, are no more than 65% of your net disposable income.

Banks add their own tests. Bank of Khyber, for example, asks for a minimum net income of Rs 35,000 a month, age 21 or over, and two years of credit history if you’re salaried (three if you run a business). It also uses a 33% debt burden ratio, stricter than SBP’s 65% ceiling.

Compare a few banks before you apply, as their own limits differ.

HabibMetro says overseas Pakistanis with a valid NICOP or POC (Pakistan Origin Card) are eligible. We couldn’t find SBP’s instruction on this, so confirm with your bank.

How do I apply for Apna Ghar online?

HabibMetro lists these documents:

• the completed application form
• a copy of your CNIC
• proof of income
• details of the property to be mortgaged
• an undertaking that you are a first-time home owner
• proof of allotment, transfer or title for the property

Bank of Khyber takes paper forms at designated branches. The programme helpline is 111-742-111. We couldn’t open apnaghar.gov.pk to check its online steps, because it blocked our browser in October 2026.

How many Apna Ghar loans have been paid out?

On 9 October 2026 the Prime Minister was told that Rs426 billion had been approved and Rs76 billion paid out (ARY News). That makes about Rs350 billion approved but still waiting.

The targets have changed. At the April 2026 launch, Profit reported a first-phase goal of 50,000 houses with Rs321 billion of financing in the first year, and 500,000 houses over four years. The October 2026 briefing gave a financing target of Rs700 billion and 125,000 houses.

Approval is not money in hand: plan your token payment around the bank’s disbursement, not its approval letter.

Is the Punjab Mera Ghar scheme the same?

No. Punjab runs its own programme, Apni Chhat Apna Ghar, through PHATA. It gives interest-free loans to low-income families building a house. As of April 2026 it had lent more than Rs191 billion to 135,410 families (The News). It is separate from the federal Apna Ghar loan described above.

For market-rate home finance outside the scheme, see our home loan guide. To choose a bank, see best bank in Pakistan.

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