SBP widens scope of Apna Ghar Program

MG News | June 15, 2026 at 12:22 PM GMT+05:00

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June 15, 2026 (MLN): The State Bank of Pakistan has expanded the scope of the Wazir-e-Azam Apna Ghar Program (Ghar Ho Tu Apna) under a new multi-channel implementation strategy, extending financing eligibility to overseas Pakistanis and enabling institutional and developer-led housing finance.

According to a Circular Letter issued to presidents and chief executives of all banks, HBFCL and MFBs, the government has approved additions to the scheme covered earlier under SH&SFD Circular No. 03 of 2025 and Circular Letter No. 1 of 2026.

Under the revised framework, Overseas Pakistanis and Non-Resident Pakistanis holding NICOP or POC cards can now obtain financing under the AGP.

Participating Financial Institutions have also been allowed to arrange institutional financing for government employees through department-level bulk processing, and to extend financing for private developer-led housing projects under the scheme.

All other instructions on the matter remain unchanged.

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