{"id":110051,"date":"2026-04-28T19:46:37","date_gmt":"2026-04-28T14:46:37","guid":{"rendered":"https:\/\/dailyausaf.com\/en\/?p=110051"},"modified":"2026-04-28T19:49:53","modified_gmt":"2026-04-28T14:49:53","slug":"govt-launches-subsidized-housing-loans-under-apna-ghar-scheme","status":"publish","type":"post","link":"https:\/\/dailyausaf.com\/en\/pakistan\/govt-launches-subsidized-housing-loans-under-apna-ghar-scheme\/","title":{"rendered":"Govt launches subsidized housing loans under Apna Ghar Scheme"},"content":{"rendered":"

ISLAMABAD: The Prime Minister\u2019s Apna Ghar Program and the \u201cApni Chhat Apna Ghar<\/a>\u201d schemes provide affordable housing loans with mark-up subsidy for low-income Pakistanis.<\/p>\n

Under these schemes, loans of up to Rs. 10 million are available for purchase or construction of a house\/flat, in easy installments, with the aim of reducing the financial burden on the working class.<\/p>\n

The program provides financial assistance to citizens for the purchase of houses, apartments and plots, as well as for construction of houses on land they own.<\/p>\n

Loans are available for housing units up to 10 marla or 1,500 square feet of flats, the federal government has set a maximum loan limit of Rs. 10 million and the fixed interest rate of the consumer is 5 percent.<\/p>\n

The repayment period of these loans can extend up to 20 years, with the government providing mark-up subsidy for the first 10 years. The borrowers will pay a fixed interest rate of 5 percent, while the banks\u2019 rate is based on one-year KIBOR plus 3 percent. will be counted.<\/p>\n

\"\"<\/p>\n

Furthermore, the scheme ensures that there are no processing fees or penalties for early repayment.<\/p>\n

Several banks across Pakistan offer house loans of up to Rs 10 million under the PM Apna Ghar program.<\/p>\n

Here are the details of a Rs 3 million loan under Bank Alfalah\u2019s plans, including the monthly installment amount for repayment terms of up to 20 years.<\/p>\n

Under Bank Alfalah\u2019s housing loan scheme, a Rs 3 million loan comes with flexible repayment options. The monthly installment for a 10-year tenure is set at Rs 19,799. Borrowers opting for a 15-year repayment tenure will have to pay Rs 23,724 per month, while those opting for a maximum tenure of 20 years will have a monthly installment of Rs 31,820.<\/p>\n

This format allows borrowers to choose a plan that suits their financial capacity, which is backed by the government\u2019s mark-up subsidy for the initial 10 years and a monthly installment for the end-users. Provides manageable monthly payments while benefiting from a fixed 5% rate.<\/p>\n","protected":false},"excerpt":{"rendered":"

ISLAMABAD: The Prime Minister\u2019s Apna Ghar Program and the \u201cApni Chhat Apna Ghar\u201d schemes provide affordable housing loans with mark-up subsidy for low-income Pakistanis. Under these schemes, loans of up to Rs. 10 million are available for purchase or construction of a house\/flat, in easy installments, with the aim of reducing the financial burden on […]<\/p>\n","protected":false},"author":8,"featured_media":58218,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[30653,20082,41110],"class_list":["post-110051","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pakistan","tag-apna-ghar-scheme","tag-apni-chhat-apna-ghar","tag-prime-ministers-apna-ghar-program"],"_links":{"self":[{"href":"https:\/\/dailyausaf.com\/en\/wp-json\/wp\/v2\/posts\/110051","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dailyausaf.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dailyausaf.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dailyausaf.com\/en\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/dailyausaf.com\/en\/wp-json\/wp\/v2\/comments?post=110051"}],"version-history":[{"count":2,"href":"https:\/\/dailyausaf.com\/en\/wp-json\/wp\/v2\/posts\/110051\/revisions"}],"predecessor-version":[{"id":110055,"href":"https:\/\/dailyausaf.com\/en\/wp-json\/wp\/v2\/posts\/110051\/revisions\/110055"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dailyausaf.com\/en\/wp-json\/wp\/v2\/media\/58218"}],"wp:attachment":[{"href":"https:\/\/dailyausaf.com\/en\/wp-json\/wp\/v2\/media?parent=110051"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dailyausaf.com\/en\/wp-json\/wp\/v2\/categories?post=110051"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dailyausaf.com\/en\/wp-json\/wp\/v2\/tags?post=110051"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}