PM House Loan Scheme 2026 – Complete Guide for Home Buyers & Builders in Pakistan
The PM House Loan Scheme 2026 continues to be one of the most searched housing support programs in Pakistan. While there is no single scheme officially named “PM House Loan” this year, the Prime Minister’s housing vision is actively implemented through multiple federal and provincial housing finance initiatives.
If you are planning to build a house, buy your first home, or construct a small residentialunit, this guide explains all active PM-backed housing loan options for 2026, eligibility, loan amounts, markup rates, and step-by-step application methods.
Is There an Official PM House Loan Scheme in 2026?
In 2026, the Prime Minister’s housing support is mainly operating through:
- Mera Ghar Mera Ashiana (MGMA) – Federal housing markup subsidy
- Apni Chhat Apna Ghar – Punjab provincial housing scheme
- Prime Minister Youth Programme (Civil Works option)
Together, these programs are commonly referred to by the public as the PM House Loan Scheme 2026.
1. Mera Ghar Mera Ashiana Scheme 2026 (Federal Program)
This is the main federal housing finance scheme, implemented through the State Bank of Pakistan and major commercial banks.
WhatsApp ChannelIt provides subsidized markup home loans for first-time homeowners across Pakistan.
Loan Details (2026)
| Feature | Tier 1 (Small Units) | Tier 2 (Standard) | Tier 3 (Large Units) |
| Maximum Loan | Rs. 2.7 Million | Rs. 6.0 Million | Rs. 10 Million |
| Markup (Years 1–5) | 5% | 5% | 7% |
| Markup (Years 6–10) | 7% | 7% | 9% |
| Maximum Unit Size | 5 Marla (850 sq ft) | 5 Marla (1250 sq ft) | 10 Marla (2000 sq ft) |
| Loan Tenure | 5 to 20 years | 5 to 20 years | 5 to 20 years |
Eligibility
- Must be a first-time homebuyer
- Valid CNIC required
- Stable income source
How to Apply
Visit any participating bank such as Habib Bank Limited, Meezan Bank, Bank of Punjab, or others and ask for the Mera Ghar Mera Ashiana application form.
2. Apni Chhat Apna Ghar Scheme 2026 (Punjab Only)
For residents of Punjab, this scheme has become one of the most attractive housing programs in 2026.
Unlike bank loans, this program offers interest-free housing finance.
Key Features
- Loan amount: Up to Rs. 1.5 Million (15 lakh)
- Interest: 0% (interest-free)
- Repayment period: 7 years
- Purpose: House construction
Who Can Apply?
- Must be a Punjab resident
- Low to middle-income households
- Preference for people without own house
How to Apply
- Register online via PITB Housing Portal
- Or visit your local Punjab Housing and Town Planning Agency (PHATA) office
This scheme is especially popular among daily wage earners, private employees, and small traders.
3. PM Youth Business & Agriculture Loan (Civil Works Option)
Although this scheme is designed for businesses, it can still help in house-related construction.
Under Civil Works, applicants can use up to 65% of the loan amount for construction of:
- Home-based business space
- Office-cum-residence buildings
Loan Options
- Tier 2: Up to Rs. 1.5 Million at 5% markup
- Tier 3: Up to Rs. 7.5 Million at 7% markup
Apply Online
Applications are submitted through the official PMYP portal.
Required Documents for PM House Loan Scheme 2026
Before visiting a bank or portal, keep these documents ready:
- Valid CNIC (not expired)
- Proof of income (salary slips or bank statements)
- Property documents (Registry, Fard, or Allotment letter)
- Two passport-size photographs
- Two personal references
Incomplete documents are the most common reason for application rejection.
Important Warning for Applicants
The government has issued a strict advisory:
- No registration fee is charged online
- Banks may take a small processing fee (around Rs. 100) only
- Avoid agents and fake websites
- Never pay money to someone claiming “guaranteed approval”
Always apply through banks or official government portals only.
Which PM House Loan Option Is Best for You?
- If you want a bank-financed home loan anywhere in Pakistan, choose Mera Ghar Mera Ashiana
- If you live in Punjab and want interest-free construction finance, choose Apni Chhat Apna Ghar
- If you are a young entrepreneur building a home-based business, explore PM Youth Loan (Civil Works)
Each option serves a different need under the same PM housing vision.
Final Thoughts
The PM House Loan Scheme 2026, through its federal and provincial programs, continues to make homeownership more achievable for ordinary Pakistanis. Whether you are building a small house, buying your first home, or constructing a mixed-use property, there is a government-backed option available.
Apply early, keep your documents complete, and rely only on official sources to avoid delays or fraud.
FAQs about PM House Loan Scheme 2026
Q1: Is there a single PM House Loan Scheme in 2026?
No. Housing support is offered through multiple federal and provincial schemes.
Q2: What is the maximum home loan under MGMA?
Up to Rs. 10 Million, depending on unit size.
Q3: Is Apni Chhat Apna Ghar interest-free?
Yes, it is completely interest-free for eligible Punjab residents.
Q4: Can salaried persons apply?
Yes, both salaried and self-employed individuals can apply.
Q5: Do I need an agent to apply?
No. Applications are done directly through banks or official portals.
