The Government of Pakistan Prime Minister Shahbaz Sharif has introduced the 1 Crore Loan Scheme 2026 under the Wazir-e-Azam Apna Ghar Housing Program, aimed at helping citizens build or purchase their own homes on easy installment plans. This initiative provides financial support of up to Rs. 10 million (1 Crore) for eligible applicants through partnered banks and housing finance institutions.
The official application process is available online through the government housing portal: apnaghar.gov.pk
1 Crore Loan Scheme 202 Registration Online Apply For House Loan
The 1 Crore Loan Scheme 2026 under Apna Ghar Program is a major step by the government to make housing affordable for citizens of Pakistan. With financing up to Rs. 1 Crore, flexible installments, and simple online registration, this scheme provides a real opportunity for families to achieve their dream of owning a home.
What is 1 Crore Loan Scheme 2026?
The 1 Crore Loan Scheme is a government-supported housing finance program designed to solve Pakistan’s housing shortage problem. It enables low and middle-income families to access affordable home financing with long repayment terms.
Through this scheme, citizens can:
- 🏡 Build a new house
- 🏠 Purchase a ready-built house
- 🧱 Construct a house on owned land
Shahbaz Sharif House Loan Details & Financing Structure
Under the Apna Ghar 1 Crore Loan Scheme 2026:
- ✔ Maximum Loan: Up to Rs. 1 Crore (10 Million)
- ✔ Minimum Loan: Rs. 25 Lakh
- ✔ Financing Ratio: 90% Bank / 10% Applicant Contribution
- ✔ Repayment Period: Up to 20 Years
- ✔ Markup Rate: Around 5% (first 10 years subsidized)
- ✔ Installments: Easy monthly payment plan
This structure makes it easier for middle-income families to afford housing without financial burden.
Eligibility Criteria Wazir-e-Azam Apna Ghar Program
To apply for the 1 Crore Loan Scheme, applicants must meet the following conditions:
- Must be a Pakistani citizen with valid CNIC
- Should be a first-time home buyer
- Must not already own a house or property
- Have a stable monthly income source
- Be able to pay the initial 10% contribution
- Age requirement usually 21 to 60 years
How to Apply Online 1 Crore Loan Scheme 2026 – Step by Step
Follow these steps for registration:
1️⃣ Visit Official Website
Go to: www.apnaghar.gov.pk
2️⃣ Create Account
Enter:
- CNIC number
- Mobile number
- Email address
3️⃣ Login Portal
Use your credentials to access dashboard
4️⃣ Fill Application Form
Provide:
- Personal details
- Income information
- Employment details
- Property requirements
5️⃣ Upload Documents
- CNIC copy
- Salary slip / income proof
- Bank statements
- Property details (if available)
6️⃣ Submit Application
After submission, you can track your application status online.
Partner Banks in Apna Ghar Scheme
The loan is provided through approved financial institutions such as:
- Commercial Banks
- Islamic Banks
- House Building Finance Company (HBFCL)
- Microfinance Banks
Benefits of 1 Crore Loan Scheme
✔ Easy and long-term repayment plan
✔ Low interest / subsidized markup
✔ Online application system
✔ Government-backed security
✔ Support for first-time home buyers
✔ Transparent approval process
1 Crore Loan Scheme 2026 Registration
- Apply only through the official website
- Avoid fake agents and fraud links
- Keep documents ready before applying
- Ensure accurate information in application
- Check eligibility before submission