ISLAMABAD: Habib Bank Limited (HBL) has crossed the Rs7 billion mark in disbursements under the Wazir-e-Azam Apna Ghar Programme – Ghar Ho Tu Apna, reaffirming its commitment to expanding affordable housing finance in Pakistan.
Launched by the Government of Pakistan and implemented through the State Bank of Pakistan (SBP), the programme aims to make home financing accessible to eligible first-time homeowners. It facilitates financing for purchasing a house or flat, constructing a house on an owned plot, or purchasing a plot for construction.
Under the initiative, participating banks provide housing finance with government support through a markup subsidy and risk-sharing mechanism, helping reduce the financing burden for eligible borrowers.
The programme is part of the government’s broader efforts to increase homeownership and promote residential construction. By improving access to formal housing finance, the initiative is also expected to support activity across the construction sector, including developers, contractors and building-material suppliers.
The scheme has been expanded to facilitate eligible Overseas Pakistanis and Non-Resident Pakistanis, while measures have also been introduced to streamline loan processing by participating financial institutions.
HBL’s Rs7 billion disbursement milestone highlights the growing role of commercial banks in supporting the government’s affordable housing agenda and increasing access to formal housing finance for Pakistani citizens.
