{"id":4377,"date":"2026-04-13T07:45:35","date_gmt":"2026-04-13T07:45:35","guid":{"rendered":"http:\/\/localhost\/wordpress\/?page_id=4377"},"modified":"2026-08-21T11:03:23","modified_gmt":"2026-08-21T11:03:23","slug":"mera-ghar-mera-ashiana","status":"publish","type":"page","link":"https:\/\/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=”fa-solid fa-hand-holding-dollar” 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=”fa-solid fa-hand-holding-dollar” 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 […]<\/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"],"yoast_head":"\nWazir-e-Azam Apna Ghar Program-Ghar Ho Tu Apna - Khushhali Bank<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.khushhalibank.com.pk\/?page_id=4377\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Wazir-e-Azam Apna Ghar Program-Ghar Ho Tu Apna - Khushhali Bank\" \/>\n<meta property=\"og:description\" content=\"[vc_row][vc_column][gva_block_heading title=”Wazir-e-Azam Apna Ghar Program Ghar Ho Tu Apna” icon=”fa-solid fa-hand-holding-dollar” 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 […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.khushhalibank.com.pk\/?page_id=4377\" \/>\n<meta property=\"og:site_name\" content=\"Khushhali Bank\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/KhushhaliLtd\/\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-21T11:03:23+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.khushhalibank.com.pk\\\/?page_id=4377\",\"url\":\"https:\\\/\\\/www.khushhalibank.com.pk\\\/?page_id=4377\",\"name\":\"Wazir-e-Azam Apna Ghar Program-Ghar Ho Tu Apna - Khushhali Bank\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/172.26.22.222\\\/#website\"},\"datePublished\":\"2026-04-13T07:45:35+00:00\",\"dateModified\":\"2026-08-21T11:03:23+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.khushhalibank.com.pk\\\/?page_id=4377#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.khushhalibank.com.pk\\\/?page_id=4377\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.khushhalibank.com.pk\\\/?page_id=4377#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/172.26.22.222\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Wazir-e-Azam Apna Ghar Program-Ghar Ho Tu Apna\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/172.26.22.222\\\/#website\",\"url\":\"https:\\\/\\\/172.26.22.222\\\/\",\"name\":\"Kmbl V2\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/172.26.22.222\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/172.26.22.222\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/172.26.22.222\\\/#organization\",\"name\":\"Khushhali Microfinance Bank\",\"url\":\"https:\\\/\\\/172.26.22.222\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/172.26.22.222\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/uat.khushhalibank.com.pk\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/KMBL-logo-Lage.jpg\",\"contentUrl\":\"https:\\\/\\\/uat.khushhalibank.com.pk\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/KMBL-logo-Lage.jpg\",\"width\":110,\"height\":76,\"caption\":\"Khushhali Microfinance Bank\"},\"image\":{\"@id\":\"https:\\\/\\\/172.26.22.222\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/KhushhaliLtd\\\/\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Wazir-e-Azam Apna Ghar Program-Ghar Ho Tu Apna - Khushhali Bank","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.khushhalibank.com.pk\/?page_id=4377","og_locale":"en_US","og_type":"article","og_title":"Wazir-e-Azam Apna Ghar Program-Ghar Ho Tu Apna - Khushhali Bank","og_description":"[vc_row][vc_column][gva_block_heading title=”Wazir-e-Azam Apna Ghar Program Ghar Ho Tu Apna” icon=”fa-solid fa-hand-holding-dollar” 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. 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