Ghar Ho Tu Apna
Wazir-e-Azam Apna Ghar Program
Bank AL Habib, together with the Government of Pakistan and the State Bank of Pakistan, offers an affordable housing finance scheme for first-time homeowners through Conventional and Islamic Banking branches.
PKR 10M
Maximum financing
20 years
Maximum tenor
90:10
Financing to equity
5%
First 10 years
Key features
A first-home program with the important numbers up front.
The source journey is reorganised for quick scanning without removing the policy detail needed for a serious financing decision.
Free life insurance
Subsidised markup rate
Financing up to PKR 10 million
Available for up to 20 years
Easy documentation
Quick processing
No early repayment restriction or charge
No cap on property price
Finance structure
Choose the home path, then understand the pricing.
Purchase of a house, flat, or apartment
Construction of a house on an already-owned plot
Purchase of a plot and construction of a house on it
Published pricing
First 10 years
5%
Subsidised end-user pricing
After 10 years
1Y KIBOR + 3%
Bank pricing for the remaining period
For a financing period longer than 10 years, bank pricing applies after the subsidy period.
Age at maturity
60 years for salaried applicants; 65 years for self-employed applicants
Financing tenor
Up to 20 years, with subsidy for the first 10 years
Early repayment
No restrictions and no early repayment charges
Insurance
Property insurance and free life insurance
Financing-to-value
90% financing and 10% customer equity
Processing charges
No processing fee; documentation and stamping are charged at actual cost
Housing unit size
House up to 10 Marla / 2,720 sq. ft.; flat up to 1,500 sq. ft.
Eligibility
Check the entry criteria before collecting documents.
Resident Pakistani nationals holding a valid CNIC.
Non-resident Pakistani nationals holding a valid NICOP or POC.
Applicant must be a first-time homeowner and must not own a housing unit in their name.
Minimum monthly income is PKR 25,000 for the applicant and PKR 20,000 for each co-applicant.
Self-employed businessmen and professionals require at least 3 years of business proof.
Salaried applicants require at least 2 years of employment.
Contractual government employees require at least 3 years of employment.
Contractual non-government employees require at least 5 years of employment.
Documents required
A checklist organised by applicant type.
General
Completed application form
Valid CNIC of applicant and co-applicant, where applicable
Two passport-size colour photographs for each applicant
Two non-relative references with valid CNIC and mobile number
Proof of other financing, including credit card bills or EMI schedules
Latest education degree, where applicable
Paid utility bills for residence and/or business
Rent agreement, where applicable
Direct Debit Authority
First-time homeowner undertaking
Available allotment, transfer, or title documents for the property
Salaried
Employment letter, employment certificate, or other verifiable proof of employment
Last 3 salary slips or salary certificate showing salary breakup and deductions
Previous experience letter if current employment is less than 2 years
Account Maintenance Certificate and 1 year bank statement showing salary credits
Last 2 years of bonus proof, if applicable and reflected in the bank statement
Self-employed business or professional
Partnership deed, sole proprietor certificate, or other ownership proof, where applicable
NTN certificate and office rent agreement or ownership documents, where applicable
Professional degree, diploma, and valid professional-body membership, where applicable
Memorandum and Articles of Association with the latest Form 29 or Form A, where applicable
Company remuneration certificate for a salaried director
Certificate of incorporation for a private limited company
Account Maintenance Letter and at least 1 recent year of bank statements
Frequently asked
The policy questions most people need first.
What size housing unit is eligible?
A house of up to 10 Marla or 2,720 sq. ft., or a flat of up to 1,500 sq. ft.
What is the subsidy markup rate?
The end-user rate is 5% for the first 10 years. For financing beyond 10 years, 1Y KIBOR + 3% applies to the remaining period.
What is the maximum financing amount?
Financing is available up to PKR 10 million, subject to eligibility, assessment, and applicable program rules.
Ready for the next step
Speak with a loan advisor.
Confirm eligibility, documentation, current pricing, and the application path with Bank AL Habib.