The money you pay as rent every month can build your own home. Under Prime Minister’s Ghar ho tou Apna Scheme 5% fixed markup makes it possible — for anyone earning PKR 40,000+.
5%
Fixed markup
20 yrs
Max tenure
1 Crore
Max financing
Application approval: 15 working days as per scheme policy
Enter your monthly rent and see what you could own instead.
💸 Your rent (money lost)PKR 35,000
🏠 Estimated home installmentPKR ~33,000
📅 In 10 years, rent paid (gone)PKR 42,00,000
🏡 With ownership, asset built~PKR 75,00,000+
How Beneficial This Programme is for People
PM’s Launching Speech
Ghar ho tou Apna
Watch & Understand
How to Get Your Home Loan
Complete step-by-step process — from application to keys in hand.
The Hard Truth About Renting
Every month you pay rent, you make someone else rich.
It’s time to flip this equation. Here’s the reality side by side.
😔
Paying Rent (Right Now)
✗ Every rupee is gone forever
✗ Your landlord builds wealth, not you
✗ Rent increases every year
✗ Zero security — can be asked to leave
✗ After 20 years: nothing to show for it
✗ No credit history built
VS
🏠
Owning Under Govt Scheme
✓ Same monthly payment — builds YOUR asset
✓ Property value appreciates every year
✓ Fixed 5% rate — predictable payments
✓ Full security for your family
✓ After 20 years: fully-owned home
✓ Build credit + generational wealth
📊 The 10-Year Math — Where Does Your Money Really Go?
Total rent paid (10 yrs)
PKR 42,00,000
Asset built: PKR 0
Total installments paid
PKR ~39,60,000
Equity built every month
Property value (est.)
PKR 1.2 Cr+
Appreciates ~8% annually
You’re already paying for a home — just not your own.
Your monthly rent is close to a home installment. Under the Government’s 5% fixed markup scheme, you could be building an asset worth crores — not handing your money to a landlord. The only question is: how much can YOU get?
⏱ Application process: 15 working days as per scheme policy
Official Policy Document
Prime Minister’s Apna Ghar Programme – 2026 Ghar Ho Tou Apna
📄
PM’s Mera Ghar Programme 2026
View the official policy document issued by the State Bank of Pakistan outlining complete terms, eligible borrowers, participating banks, markup rates, and application procedures under the 5% Affordable Housing Finance Scheme 2026.
State Bank of Pakistan Policy: The following commercial and microfinance banks are bound to process applications and offer loans under the PM’s Mera Ghar Programme 2026 at a fixed 5% annual markup — as mandated by the State Bank of Pakistan’s Housing Finance Policy.
HBL
Habib Bank Limited
Commercial Bank
NBP
National Bank of Pakistan
Commercial Bank
MCB
MCB Bank Limited
Commercial Bank
UBL
United Bank Limited
Commercial Bank
ABL
Allied Bank Limited
Commercial Bank
BOP
Bank of Punjab
Commercial Bank
BOK
Bank of Khyber
Commercial Bank
SME
SME Bank
Specialized Bank
Microfinance Banks
KB
Khushhali Bank
Microfinance Bank
FINCA
FINCA Microfinance
Microfinance Bank
NRSP
NRSP Microfinance
Microfinance Bank
Apna
Apna Microfinance
Microfinance Bank
Matching Properties in Your Area
Showing 3 of 47+ verified listings
🏠
5-Marla Corner House
Bahria Town, Lahore
PKR 75,00,000
Est. installment: PKR 33,000/mo
🏘️
5-Marla House
DHA Phase 9, Lahore
PKR 80,00,000
Est. installment: PKR 35,200/mo
🏡
10-Marla Family Home
Johar Town, Lahore
PKR 1,20,00,000
Est. installment: PKR 52,800/mo
Want to see all 47+ matched properties?
Ready to Apply for Your Home Loan?
Our team handles everything — documentation, bank meetings, paperwork. ⏱ Approval process: 15 working days
Bank selection — we choose the fastest approving bank for your profile
Full bank file submission and follow-up management
Dedicated mortgage advisor assigned to your case
Access to all 47+ verified scheme-eligible properties in your area
Legal and property verification support
Updates at every step — via WhatsApp
Registeration is open, we are only taking 500 priority applications this month to ensure 100 % bank approval. Book your Slot Now Service Fee: PKR 1500 (non-refundable)
This covers your complete facilitation from file preparation through to bank approval. Our fee is due upon registration.
⏱ Loan application process: 15 working days as per Government scheme policy
Pakistanis who made the flip
“Mein 14 saal se kiraya de raha tha. Reptostate ne meri bank file 3 hafte mein complete ki. Aaj mera apna ghar hai.”
“The calculator showed me I could afford a 10-Marla flat. I didn’t believe it. But we got approved in 6 weeks. The process was smooth.”
“Meri salary 65,000 thi aur mujhe lagta tha ghar lena na-mumkin hai. Reptostate ne meri wife ki income bhi add ki aur loan mil gaya.”