Wazir-e-Azam Apna Ghar Program Ghar Ho Tu Apna Bank Alfalah Home Loan 2026 The Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna is an affordable housing finance initiative designed to help eligible Pakistani citizens achieve their dream of owning a home. Under the program, Bank Alfalah Home Loan offers housing finance with a markup subsidy and risk-sharing scheme for first-time homeowners.
The scheme provides financing of up to PKR 10 million, with a repayment tenure of up to 20 years and a subsidized fixed markup rate for the first 10 years.
Wazir-e-Azam Apna Ghar Program Ghar Ho Tu Apna Bank Alfalah Home Loan 2026 Overview
| Feature | Details |
|---|---|
| Program | Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna |
| Bank | Bank Alfalah |
| Maximum Financing | Up to PKR 10 Million |
| Financing Tenure | 3 to 20 Years |
| Subsidized Markup | 5% per annum fixed for first 10 years |
| Subsidy Period | Up to 10 Years |
| Processing Fee | 0% |
| Early Payment Charges | No partial/early payment charges |
| Eligible Applicants | First-time homeowners holding Pakistani CNIC |
| Purpose | Purchase, construction, or plot purchase with construction |
Eligibility Criteria for Ghar Ho Tu Apna Program
To apply for the Wazir-e-Azam Apna Ghar Program, applicants must meet the following requirements:
- Must be a citizen of Pakistan holding a valid CNIC.
- Must be a first-time homeowner.
- The applicant must not own any housing unit in their name.
- Applicants must fulfill Bank Alfalah’s applicable financing and credit requirements.
Eligible House and Apartment Size
The program covers affordable housing units within the following limits:
- House: Up to 10 Marla or 2,720 square feet.
- Flat/Apartment: Up to 1,500 square feet.
What Can the Home Finance Be Used For?
The Bank Alfalah financing facility under the program can be used for:
Purchase of a House or Flat
Eligible customers can obtain financing to purchase an existing residential house, flat, or apartment within the program’s approved size limits.
Construction on an Already Owned Plot
Individuals who already own a residential plot can apply for financing to construct their home.
Purchase of Plot and Construction of House
The facility may also be used to purchase a plot and construct a residential house, subject to the program’s terms and conditions.
Financing Amount Under Wazir-e-Azam Apna Ghar Program
Eligible customers can apply for home financing ranging up to PKR 10 million.
Tentative Monthly Installments
The following installments are tentative and are based on the financing amount and selected tenure.
| Financing Amount | 20 Years | 15 Years | 10 Years |
|---|---|---|---|
| PKR 1,000,000 | Rs. 6,600 | Rs. 7,908 | Rs. 10,607 |
| PKR 2,000,000 | Rs. 13,199 | Rs. 15,816 | Rs. 21,213 |
| PKR 3,000,000 | Rs. 19,799 | Rs. 23,724 | Rs. 31,820 |
| PKR 4,000,000 | Rs. 26,398 | Rs. 31,632 | Rs. 42,426 |
| PKR 5,000,000 | Rs. 32,998 | Rs. 39,540 | Rs. 53,033 |
| PKR 6,000,000 | Rs. 39,597 | Rs. 47,448 | Rs. 63,639 |
| PKR 7,000,000 | Rs. 46,197 | Rs. 55,356 | Rs. 74,246 |
| PKR 8,000,000 | Rs. 52,796 | Rs. 63,263 | Rs. 84,852 |
| PKR 9,000,000 | Rs. 59,396 | Rs. 71,171 | Rs. 95,459 |
| PKR 10,000,000 | Rs. 65,996 | Rs. 79,079 | Rs. 106,066 |
Note: These are tentative monthly installments for the first 10 years and do not include insurance costs.
Markup Rate and Financing Tenure
The program offers an attractive subsidized markup structure:
First 10 Years
- Markup Rate: 5% per annum fixed
- Subsidized rate available for the first 10 years
After 10 Years
After the subsidized period, the markup rate will be:
1-Year KIBOR + 3.0% per annum
The actual installment amount may vary depending on the selected insurance arrangement, including property and/or life insurance.
Key Features of Bank Alfalah Home Loan
The Ghar Ho Tu Apna housing finance facility offers several benefits:
- Quick and easy processing
- Financing up to PKR 10 million
- Repayment tenure of up to 20 years
- Subsidized markup for the first 10 years
- No processing fee
- No partial payment charges
- No early payment charges
- Available for home purchase and construction
- Affordable tentative monthly installments
How to Apply for Wazir-e-Azam Apna Ghar Program?
Interested applicants can contact Bank Alfalah for further information regarding eligibility, documentation, application procedures, and financing approval.
Applicants should keep their CNIC, income details, property information, and other required documents ready when applying for the home finance facility.
For customer assistance, contact:
Bank Alfalah Helpline: 021-111-225-111
Important Terms and Conditions
Before applying, applicants should consider the following:
- The displayed monthly installments are tentative.
- Installments are based on the financing amount and selected repayment tenure.
- The subsidized markup rate applies for the first 10 years, subject to the program’s terms.
- After the subsidy period, the applicable markup may be based on 1-Year KIBOR + 3.0% per annum.
- Property and life insurance arrangements may affect the final installment amount.
- Financing approval remains subject to Bank Alfalah’s terms, policies, and applicable regulations.
- Additional terms and conditions may apply.
Final Words
The Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna provides an important opportunity for eligible first-time homeowners in Pakistan to obtain affordable housing finance. With financing of up to PKR 10 million, a 5% fixed markup for the first 10 years, and a repayment period of up to 20 years, the program can make home ownership more accessible.
Applicants should carefully review the eligibility requirements and terms before submitting their application to Bank Alfalah.
