{"id":79839,"date":"2026-02-12T11:00:01","date_gmt":"2026-02-12T06:00:01","guid":{"rendered":"https:\/\/bankislami.com.pk\/?page_id=79839"},"modified":"2026-04-08T10:34:21","modified_gmt":"2026-04-08T05:34:21","slug":"wazir-e-azam-apna-ghar-program","status":"publish","type":"page","link":"https:\/\/bankislami.com.pk\/ur\/government-schemes\/wazir-e-azam-apna-ghar-program\/","title":{"rendered":"Wazir-E-Azam Apna Ghar Program"},"content":{"rendered":"

<\/div>

Wazir-E-Azam Apna Ghar Program<\/span><\/span><\/h3>
Subsidized Islamic Housing Finance Scheme<\/div><\/header>
<\/div>
<\/p>\n

\nIn an effort to make housing more accessible and affordable, the Government of Pakistan has launched the \u201cMera Ghar \u2013 Mera Ashiana (MGMA)\u201d scheme, offering profit subsidy to support first-time home owners.<\/p>\n

BankIslami extends this facility through Muskun Home Financing, enabling individuals to construct or purchase their dream homes with ease, convenience, and complete Shariah compliance under the Diminishing Musharakah structure<\/p>\n

\n<\/div><\/div><\/div>

<\/div>
\"https:\/\/bankislami.com.pk\/wp-content\/uploads\/2026\/04\/wazir-e-azam-pakistan-640x800.jpeg\"<\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section>
Wazir-E-Azam Apna Ghar Program Parameters:<\/span><\/span><\/h5><\/header>
<\/div>
<\/p>\n

\u00a0<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
Parameters<\/b><\/strong><\/td>\n\u062e\u0635\u0648\u0635\u06cc\u0627\u062a<\/b><\/strong><\/td>\n<\/tr>\n
Eligibility Criteria<\/b><\/strong><\/td>\n\u00b7\u00a0Pakistani CNIC holding citizens
\u00b7\u00a0First time homeowners
\u00b7\u00a0Not owning any housing unit in their name<\/td>\n<\/tr>\n
Scope<\/b><\/strong><\/td>\n\n

\u00b7\u00a0Purchase of house\/flat<\/p>\n

\u00b7\u00a0Construction of house on already owned plot<\/p>\n

\u00b7\u00a0Purchase of plot and construction of house<\/p>\n<\/td>\n<\/tr>\n

Size of Housing Unit<\/b><\/strong><\/td>\n\n

\u00b7 House of up to 10 Marla \/ 2720 sq. ft.<\/b><\/p>\n

\u00b7 Flat\/Apartment of up to 1500 sq. ft. area<\/b><\/p>\n<\/td>\n<\/tr>\n

Maximum Financing Amount<\/b><\/strong><\/td>\nUp to PKR <\/span>10 Million<\/b><\/td>\n\u00a0<\/td>\n<\/tr>\n
Maximum Financing Tenor<\/b><\/strong><\/td>\n20 years (subsidy for 10 years)<\/td>\n<\/tr>\n
Age<\/b><\/strong><\/td>\n\n

\u00b7\u00a0Salaried: 25 \u2013 60 Years<\/p>\n

\u00b7\u00a0SEP\/ Businessmen: 25 \u2013 65 Years<\/p>\n<\/td>\n<\/tr>\n

Bank Pricing for Subsidy<\/b><\/strong><\/td>\nBank will claim subsidy amount being the differential of Customer pricing and prevailing 1 Year KIBOR + 3%.<\/td>\n<\/tr>\n
Customer pricing (Initial 10 Years)<\/b><\/strong><\/td>\nFlat 5%<\/td>\n<\/tr>\n
Customer pricing (After 10 to 20 Years)<\/b><\/strong><\/td>\nOne Year KIBOR + 3%<\/td>\n<\/tr>\n
Processing Fee<\/b><\/strong><\/td>\nNil<\/td>\n<\/tr>\n
Early Termination Charges<\/b><\/strong><\/td>\nNil<\/td>\n<\/tr>\n
Minimum <\/strong>\u062d\u0635\u06c1<\/strong>\u00a0<\/strong>from<\/strong>\u00a0<\/strong>the <\/strong>customer<\/strong><\/td>\nMinimum 10%<\/td>\n<\/tr>\n
Risk Coverage<\/b><\/strong><\/td>\n10% of the outstanding portfolio under the scheme on first loss basis<\/td>\n<\/tr>\n
Financing Cities<\/b><\/strong><\/td>\nWhole of Pakistan<\/td>\n<\/tr>\n
\u0645\u0627\u06c1\u0627\u0646\u06c1<\/strong>\u00a0<\/strong>\u0622\u0645\u062f\u0646<\/strong><\/td>\nNo Upper and Lower limits on the income requirement.<\/td>\n<\/tr>\n
Disbursement Tranche<\/strong><\/td>\nDisbursement for Construction purpose will be in two tranches
(in addition to the Construction as applicable) i.e.<\/p>\n
    \n
  • First for completion of grey structure construction<\/li>\n
  • Second for completion of construction<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

    \n<\/div>

    <\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section><\/p>","protected":false},"excerpt":{"rendered":"","protected":false},"author":4,"featured_media":80072,"parent":79824,"menu_order":2,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-79839","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/pages\/79839","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/comments?post=79839"}],"version-history":[{"count":11,"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/pages\/79839\/revisions"}],"predecessor-version":[{"id":80066,"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/pages\/79839\/revisions\/80066"}],"up":[{"embeddable":true,"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/pages\/79824"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/media\/80072"}],"wp:attachment":[{"href":"https:\/\/bankislami.com.pk\/ur\/wp-json\/wp\/v2\/media?parent=79839"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}