{"id":4377,"date":"2026-04-13T07:45:35","date_gmt":"2026-04-13T07:45:35","guid":{"rendered":"http:\/\/localhost\/wordpress\/?page_id=4377"},"modified":"2026-07-20T11:43:47","modified_gmt":"2026-07-20T11:43:47","slug":"mera-ghar-mera-ashiana","status":"publish","type":"page","link":"https:\/\/uat.khushhalibank.com.pk\/?page_id=4377","title":{"rendered":"Wazir-e-Azam Apna Ghar Program-Ghar Ho Tu Apna"},"content":{"rendered":"

[vc_row][vc_column][gva_block_heading title=”Wazir-e-Azam Apna Ghar Program Ghar Ho Tu Apna” icon=”gv-icon-65″ align=”align-left” subtitle=”Loan”]The\u00a0Government of Pakistan<\/strong>, in collaboration with the\u00a0State Bank of Pakistan<\/strong>, has launched the Wazir-e-Azam Apna Ghar Program-Ghar Ho Tu Apna <\/em>scheme to make affordable housing accessible to low and middle-income citizens. Through this scheme, customers can now\u00a0purchase or construct their dream home<\/strong>\u00a0with\u00a0subsidized markup<\/strong>\u00a0rates\u00a0<\/strong>and\u00a0risk-sharing support.<\/strong><\/p>\n

Eligibility Criteria<\/h4>\n
    \n
  • Must be a\u00a0citizen of Pakistan<\/strong>\u00a0holding a valid\u00a0CNIC<\/strong><\/li>\n
  • Must be a\u00a0first-time homeowner<\/strong>\u00a0(should not own any housing unit in their name)<\/li>\n
  • One subsidized home loan per individual.<\/li>\n
  • Exclusions as applicable per Bank\u2019s Credit policy<\/li>\n
  • Time of doing business (for businessmen) 1 years<\/li>\n
  • Total Job experience (for Salaried individuals) 1 years<\/li>\n
  • Annual Income limit Rs. 1,500,000<\/li>\n
  • Loan to Value (LTV) Ratio is 90:10 (90% loan & 10% equity)<\/li>\n<\/ul>\n

    Purpose:<\/h4>\n
      \n
    • Purchase of a house or flat<\/li>\n
    • Construction on an owned plot<\/li>\n
    • Purchase of plot and construction of house<\/li>\n<\/ul>\n

      Size of Housing Unit:<\/h4>\n
        \n
      • House: Up to 10 Marla \/ 2,720 sq. ft.<\/li>\n
      • Flat\/Apartment: Up to 1,500 sq. ft.<\/li>\n<\/ul>\n

        Loan Amount:<\/h4>\n
          \n
        • Up to Rs. 05 Million.<\/li>\n<\/ul>\n

          Collateral:<\/h4>\n
            \n
          • Mortgage of the financed housing unit<\/li>\n<\/ul>\n

            Loan Tenure:<\/h4>\n
              \n
            • Up to 20 years (markup subsidy applicable for the first 10 years)<\/li>\n<\/ul>\n

              Markup Rate for Customer:<\/h4>\n
                \n
              • For first 10 years: 5%<\/li>\n
              • After 10 years: KIBOR + 03%<\/li>\n<\/ul>\n

                Bank Charges:<\/h4>\n
                  \n
                • No processing cost<\/li>\n
                • No prepayment penalty<\/li>\n<\/ul>\n

                  How to Apply<\/h4>\n

                  Visit your nearest\u00a0Khushhali Microfinance Bank branch<\/strong> to learn more about eligibility, documentation, and the simple application process under the\u00a0Wazir-e-Azam Apna Ghar Program-Ghar Ho Tu Apna scheme<\/em>.[\/gva_block_heading][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

                  [vc_row][vc_column][gva_block_heading title=”Wazir-e-Azam Apna Ghar Program Ghar Ho Tu Apna” icon=”gv-icon-65″ align=”align-left” subtitle=”Loan”]The\u00a0Government of Pakistan, in collaboration with the\u00a0State Bank of Pakistan, has launched the Wazir-e-Azam Apna Ghar Program-Ghar Ho Tu Apna scheme to make affordable housing accessible to low and middle-income citizens. Through this scheme, customers can now\u00a0purchase or construct their dream home\u00a0with\u00a0subsidized markup\u00a0rates\u00a0and\u00a0risk-sharing support. […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"give_campaign_id":0,"footnotes":""},"class_list":["post-4377","page","type-page","status-publish","hentry"],"campaignId":"","_links":{"self":[{"href":"https:\/\/uat.khushhalibank.com.pk\/index.php?rest_route=\/wp\/v2\/pages\/4377","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/uat.khushhalibank.com.pk\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/uat.khushhalibank.com.pk\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/uat.khushhalibank.com.pk\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/uat.khushhalibank.com.pk\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=4377"}],"version-history":[{"count":14,"href":"https:\/\/uat.khushhalibank.com.pk\/index.php?rest_route=\/wp\/v2\/pages\/4377\/revisions"}],"predecessor-version":[{"id":8069,"href":"https:\/\/uat.khushhalibank.com.pk\/index.php?rest_route=\/wp\/v2\/pages\/4377\/revisions\/8069"}],"wp:attachment":[{"href":"https:\/\/uat.khushhalibank.com.pk\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4377"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}