Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna

Subsidized Islamic Housing Finance Scheme

The Government of Pakistan has introduced the “Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna” to help people achieve affordable home ownership through a profit subsidy and risk-sharing facility.

MCB Islamic Bank is offering this facility through its Shariah-compliant home financing solutions, helping customers build or purchase their own homes in an easy and affordable way.

This program provides housing finance under the Diminishing Musharakah model, ensuring a fully Shariah-compliant structure while making home ownership more accessible for individuals and families.

Parameters Features
Eligibility Criteria
  • First-time homeowners who are citizens of Pakistan holding CNICs.

  • Must not own any housing unit in their name.

Scope
  • Purchase of house / flat

  • Construction of house on already owned plot
  • Purchase of plot and construction of house

Maximum Financing
  • Up to PKR 10 Million

Minimum Contribution from Customer
  • 10% of property value

Rental Rate
  • 5% for first 10 years and variable at Kibor+3% for subsequent years

Financing Tenure
  • Maximum 20-years financing tenure
Size of Housing Unit
  • House of Up to 10 Marla / 2270 sq ft.
  • Flat/Apartment of Up to 1500 sq ft.
Maximum Price of Housing Unit
  • No Capping

 

 

 

 

List of Designated Branches for Mera Ghar Mera Ashiana