Pakistan Disburses $376 Million In Housing Loans

Key Points

Housing loans worth Rs 104 billion ($376 million) were disbursed to 17,697 borrowers
Banks approve Rs 533 billion ($1.9 billion) in financing against 90,405 applications
Total applications reach 220,715, with disbursements increasing 404 per cent since June

ISLAMABAD: Pakistan Prime Minister’s Apna Ghar housing programme has disbursed Rs 104 billion ($376 million) in loans to 17,697 borrowers, in government-backed housing finance six months after its formal launch.

Figures released by Finance Ministry Adviser Khurram Schehzad show the programme had received 220,715 applications by October 30, with banks approving 90,405, representing an approval rate of 41 per cent.

𝗛𝗜𝗦𝗧𝗢𝗥𝗜𝗖 𝗠𝗜𝗟𝗘𝗦𝗧𝗢𝗡𝗘 | 𝗣𝗥𝗜𝗠𝗘 𝗠𝗜𝗡𝗜𝗦𝗧𝗘𝗥’𝗦 𝗔𝗣𝗡𝗔 𝗚𝗛𝗔𝗥 𝗣𝗥𝗢𝗚𝗥𝗔𝗠 𝗖𝗥𝗢𝗦𝗦𝗘𝗦 𝗣𝗞𝗥 𝟭𝟬𝟬 𝗕𝗜𝗟𝗟𝗜𝗢𝗡 𝗜𝗡 𝗛𝗢𝗨𝗦𝗜𝗡𝗚 𝗟𝗢𝗔𝗡 𝗗𝗜𝗦𝗕𝗨𝗥𝗦𝗘𝗠𝗘𝗡𝗧𝗦

+𝟦𝟢𝟦% 𝙜𝙧𝙤𝙬𝙩𝙝 𝙞𝙣 𝙙𝙞𝙨𝙗𝙪𝙧𝙨𝙚𝙢𝙚𝙣𝙩 𝙨𝙞𝙣𝙘𝙚 𝙅𝙪𝙣𝙚 𝟤𝟢𝟤𝟨

Just six months after its formal launch, the 𝗪𝗮𝘇𝗶𝗿-𝗲-𝗔𝘇𝗮𝗺 𝗔𝗽𝗻𝗮 𝗚𝗵𝗮𝗿 𝗣𝗿𝗼𝗴𝗿𝗮𝗺 has reached a historic milestone in affordable housing finance, turning policy commitments into tangible results.

𝗞𝗘𝗬 𝗔𝗖𝗛𝗜𝗘𝗩𝗘𝗠𝗘𝗡𝗧𝗦 | 𝗔𝗦 𝗢𝗙 𝟯𝟬 𝗢𝗖𝗧𝗢𝗕𝗘𝗥 𝟮𝟬𝟮𝟲

■ PKR 104 billion disbursed through 17,697 housing loans
■ PKR 533 billion approved against 90,405 applications
■ 220,715 applications received | 41% approval rate
■ 404% growth in disbursements since June — PKR 21bn to PKR 104bn
■ 269% growth in financing approvals — PKR 144bn to PKR 533bn

From commitment to delivery. From aspiration to homeownership.

A major leap in affordable housing finance, financial inclusion and construction-led economic activity, bringing thousands of Pakistani families closer to owning a home.

The Ministry of Finance gratefully acknowledges the invaluable contributions of the State Bank of Pakistan, Pakistan Banks’ Association and all participating banks, alongside the Ministry of Housing and Works, in turning the Prime Minister’s Access to Finance vision into reality under the Finance Minister’s able leadership.

𝗚𝗵𝗮𝗿 𝗛𝗼 𝗧𝘂 𝗔𝗽𝗻𝗮 — 𝙏𝙪𝙧𝙣𝙞𝙣𝙜 𝙩𝙝𝙚 𝘿𝙧𝙚𝙖𝙢 𝙤𝙛 𝙃𝙤𝙢𝙚𝙤𝙬𝙣𝙚𝙧𝙨𝙝𝙞𝙥 𝙞𝙣𝙩𝙤 𝙍𝙚𝙖𝙡𝙞𝙩𝙮.

@CMShehbaz @PakPMO @GovtofPakistan @Financegovpk @MoIB_Official @StateBank_Pak @PakBanksAssoc @HousingnWorks

#ApnaGhar #GharHoTuApna #HousingFinance #FinancialInclusion #PakistanEconomy

— Khurram Schehzad (@kschehzad) November 4, 2026

Approved financing has reached Rs 533 billion ($1.9 billion), although actual disbursements remain considerably lower, highlighting the gap between loan approvals and funds reaching prospective homeowners.

Pakistan’s affordable housing finance expands

The programme, officially known as the Wazir-e-Azam Apna Ghar Programme, aims to help eligible first-time homebuyers purchase or construct residential properties through subsidised bank financing.

Under its financing structure, eligible applicants can obtain loans of up to Rs 10 million (approximately $36,000).

A repayment period of up to 20 years. The government subsidises the financing rate at five per cent for the first 10 years, while subsequent financing is subject to prevailing market rates.

The scheme covers the purchase of houses and apartments, construction of residential units and the purchase of plots with construction.

The programme’s lending performance has accelerated since June. Disbursements stood at Rs 21 billion ($76 million). The increase to Rs 104 billion represents reported growth of 404 per cent in four months.

Financing approvals have also risen from Rs 144 billion ($520 million) in June to Rs 533 billion, an increase of 269 per cent.

The initiative involves the State Bank of Pakistan (SBP), Pakistan Banks Association, participating commercial and Islamic banks, microfinance institutions and the Ministry of Housing and Works.

The government views expanded housing finance as a way to improve homeownership opportunities, bring more households into the formal banking system and generate economic activity in the construction industry.

For Pakistan, where access to formal mortgage financing has traditionally remained limited, the programme appears to expand banks’ role in financing residential property.

However, the difference between approved financing and actual disbursements remains significant.

Of the Rs 533 billion approved, banks have so far released Rs 104 billion, making faster loan processing and delivery an important challenge for the programme.