Sbp.org.pk Wazir-e-Azam Apna Ghar Program (AGP) 2026
Housing Finance
FINANCING TYPE
Financing availed under MPMG Scheme can be used for:
LOAN TYPES
Two types of loan can be availed:
- Up to Rs. 2.7 million can be financed under this category
- Financing is available for house measuring up to 125 Square Yards (5 Marla) with maximum covered area of 850 Square Feet
- Flat/apartment with maximum covered area of 850 square feet will be financed
- To be eligible under MPMG, maximum price (Market Value) of a single housing unit at the time of approval financing shall not exceed Rs. 3.5 million
From Microfinance Banks:
- Microfinance banks can provide up to Rs. 2 million financing to eligible borrowers
From Commercial Banks/DFIs:
- Financing of up to Rs. 10 Million can be availed under this scheme
- Financing amount is dependent on the size of residential unit
- Up to Rs. 6 Million financing can be availed for a house measuring up to 5 Marla (125 Square Yards) and for a flat/apartment with the size up to 1,250 Square Feet
- For a house measuring up to 10 Marla (250 Square Yards) and a flat/apartment up to 2,000 Square Feet, financing up to Rs. 10 million can be availed
FINANCING RATE
FOR NAPHDA PROJECTS (Tier 1)
- Borrower will be charged financing rate of:
- 3% for first 5 years
- 5% for next 5 years
- KIBOR + up to 250 bps for the remaining financing tenor
FOR NON-NAPHDA PROJECTS (Tier 0: Microfinance Banks Borrowers)
- Borrower will be charged financing rate of:
- 5% for first 5 years
- 7% for next 5 years
- KIBOR + 700 bps for the remaining financing tenor
INSTALLMENTS
| Tier 0 | Tier 1 | Tier 2 | |||
|---|---|---|---|---|---|
| Financing Amount | Installment | Financing Amount | Installment | Financing Amount | Installment |
| Monthly installment from year 1 to 5 | |||||
| Rs. 0.5 Million | 3,300 | Rs. 1 Million | 5,546 | Rs. 1 Million | 6,600 |
| Rs. 1 Million | 6,600 | Rs. 2 Million | 11,092 | Rs. 3 Million | 19,799 |
| Rs. 2 Million | 13,199 | Rs. 2.7 Million | 14,974 | Rs. 6 Million | 39,597 |
INSTALLMENTS CALCULATOR
Installments calculated through installment calculator are estimates and for indication only. Actual installments calculated for the year exceeding 10 years by banks/DFIs/Microfinance banks may vary depending upon the prevailing KIBOR at that time as per the conditions of scheme.
DOCUMENTS
| Document Required | Type |
|---|---|
| Loan Application Form (LAF) along with CF Undertaking | Original |
| Valid CNIC of applicant & Co-partner (where applicable) | Copy |
| 2 passport size color Photographs of applicant & Co-partner (where applicable) | Original |
| Proof of Employment (along with length of employment) | Original / Copy |
| Income Proof document (salary breakup and deductions to be clearly mentioned) for example: Current Salary Slip | Original / Copy |
Notes: Maximum of 60 days old salary slip & Bank Statement may be accepted. Online / e-salary slips are acceptable with positive verification.
Why You Should Apply in 2026
The real estate market keeps changing. Buying a house right now gives you a secure asset for your family’s future. The Wazir-e-Azam Apna Ghar Program removes the biggest hurdle of high interest rates.
By offering a 3% to 5% markup in the early years, the State Bank gives you a realistic path to stop paying rent and start owning property. Gather your documents, use the calculator to check your budget, and visit your nearest commercial or microfinance bank to start the process.
Frequently Asked Questions (FAQs)
No. This scheme is strictly for first-time homeowners. You will have to provide an original legal undertaking stating you do not currently own any housing unit in your name.
Under the NAPHDA category, you can get up to Rs. 2.7 million. Under the commercial bank (Non-NAPHDA) category, you can get financing up to Rs. 10 million, depending on the size of the house or flat.
No. According to the official document checklist, original salary slips and e-slips do not require a stamp or a signature. However, the bank will verify them electronically.
No. For Tier 1 borrowers, the 3% financing rate applies only to the first 5 years. It increases to 5% for the next 5 years. After 10 years, it changes to KIBOR plus up to 250 bps.
You cannot use the loan only to hold an empty plot. However, you can use the financing to purchase a plot and immediately construct a house upon it.
