ISLAMABAD, October 6, 2026: Apna Ghar disbursements have reached Rs65 billion for first-time homebuyers across Pakistan, Federal Housing and Works Minister Mian Riaz Hussain Pirzada said at the national housing policy launch on October 5.
The cumulative figure appears in the government’s October 5 release covering the ceremony at the National University of Sciences and Technology in Islamabad. Pirzada linked the Wazir-e-Azam Apna Ghar Program, also called Ghar Ho Tu Apna, to the policy’s implementation plan and its aim of widening access to housing finance.
What the Rs65bn update establishes
The minister described money disbursed so far under an existing programme. The release gives no separate statistical cut-off, borrower count or province-by-province breakdown for the figure. It should therefore be read as an attributed national progress update, rather than a measure of completed homes or activity in a particular city.
The ceremony also confirms that the public policy launch, which imlaak previewed on October 4, has taken place. The new lending figure gives households and the property sector a more concrete point to follow as implementation continues.
Existing rules still matter to applicants
Earlier State Bank of Pakistan instructions remain important context. Its April 28 facilitation circular requires banks and HBFCL to complete the credit-approval process within 15 working days after receiving an application with complete information. That requirement concerns processing; it does not promise approval for every applicant.
A September 14 clarification also says banks’, development finance institutions’ and microfinance banks’ own employees are ineligible for financing under this programme. Applicants should ask their participating institution to confirm the current requirements that apply to them.
imlaak analysis: watch the lending detail
For the property market, the useful next evidence would be how the reported lending is distributed: the number of households served, locations, property types and the share financing purchases or construction. Those details would help explain where finance is reaching buyers and where access remains limited.
A national total alone offers little basis for estimating demand around an individual development. Buyers and sellers need local transaction evidence before drawing conclusions about prices, rents or the time required to sell.
Households considering a purchase should obtain written financing terms and an affordability assessment before committing to a payment timetable. The repayment schedule, required personal contribution and property checks deserve attention alongside the headline loan amount.
For developers and agents, a practical response is to make title, approvals and construction information easy for buyers and lenders to verify. Programme-wide disbursements cannot establish that a particular project or applicant will qualify. Further official lending data and actual delivery on the ground will provide a clearer picture of the programme’s reach.