Housing loan information changed during 2026. This guide emphasises the renamed federal programme and the sequence of SBP instructions rather than repeating older facts as if no updates had occurred.
Before you apply
Current programme name confirmed in 2026; check participating lender and latest terms
Last source review: 1 November 2026. The original authority may update conditions without notice.
The official renaming in April 2026
The State Bank of Pakistan confirmed that the affordable housing finance initiative previously called Mera Ghar – Mera Ashiana was renamed Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna. The change was communicated in a circular letter dated 1 April 2026. Applicants searching for the earlier name should therefore consult current SBP notices under the newer title.
Programme renaming is not evidence that all original conditions remain unchanged. SBP issued additional implementation instructions in 2026, so readers should compare the latest circulars and the terms offered by a participating institution.
Who the programme is meant to help
The 2025 framework focused on affordable housing finance for qualifying first-time homeowners. In June 2026, the SBP announced an expanded implementation strategy that also permits eligible overseas Pakistanis holding NICOP or POC to obtain financing. That change is particularly important because residency rules vary across Pakistani government schemes.
The programme may involve participating banks, Islamic banks, microfinance banks and housing finance institutions subject to current participation and eligibility.
Important 2026 implementation clarifications
- In April 2026, SBP introduced facilitation requirements including a debt-burden threshold of 65% of net disposable income in the specified assessment.
- Its April circular also discussed property valuation and a credit-approval turnaround target of 15 working days after receipt of complete information.
- A June 2026 circular allowed additional implementation channels including eligible overseas Pakistanis and specified institutional arrangements.
- A September 2026 clarification says employees of banks, DFIs and MFBs are not eligible under the programme.
These are selected published instructions. They are not a substitute for the complete current scheme and a bank’s official financing documents.
What to ask a participating institution
- Which version of the programme is the branch implementing?
- Does the proposed property and financing purpose meet programme conditions?
- What are the offered markup, fees, equity requirement and repayment schedule?
- Which income and identity documents are necessary?
- How will existing debt affect my financing eligibility?
An affordable home loan is still a long-term financial commitment. Compare instalments with household expenses and allow for financial emergencies.
Application guidance
- Read the current SBP housing finance page and linked circulars.
- Contact a participating financial institution through its official website or branch.
- Ask for the latest programme factsheet and schedule of charges.
- Submit documents only through the lender’s authorised channels.
- Retain copies of disclosures and check approval conditions before signing.
There is no independent application collection on this information site. Users should not send financial records through a third-party contact form.
Frequently asked questions
Is Mera Ghar – Mera Ashiana a separate new programme?
SBP’s April 2026 notice explicitly states it was renamed, so the older name can refer to the same policy lineage.
Can an overseas Pakistani be eligible?
The June 2026 multi-channel circular permits specified non-resident Pakistani applicants with NICOP or POC, subject to the programme and lender’s requirements.
Does SBP guarantee approval?
No. Lending institutions must perform their checks and apply the relevant programme instructions.
Official source and application guidance
For the most reliable current position, read the following original source before sharing documents, paying fees or submitting an application:
State Bank of Pakistan — Housing Finance — official information ↗
This article is an independent explanation, not financial advice or an application service. Only the administrator or participating financial institution can confirm current availability, final eligibility, approved amount and repayment terms.
