Wazir-e-Azam Apna Ghar Program
| Feature | Details |
| Maximum Karza (Loan) | PKR 10 Million (1 Crore Rupe) tak |
| Apni Investment (Equity) | Property ki qeemat ka sirf 10% |
| Karze ki Muddat (Tenure) | 20 saal tak (Maximum) |
| Markup Rate (Pehle 10 Saal) | Fixed 5% |
| Markup Rate (11th Saal se) | 1-Year KIBOR + 3% |
| Ghar ka Size (House) | 10 Marla ya 2720 sq. ft tak |
| Flat ka Size (Apartment) | 1500 sq. ft tak |
| Property ki Qeemat | Koi had (capping) nahi hai |
Karza Kis Maqsad Ke Liye Liya Ja Sakta Hai?
- Naya Ghar ya Flat kharidne ke liye.
- Pehle se maujood plot par ghar tameer (construction) karne ke liye.
- Plot kharid kar us par ghar banane ke liye.
Apply Karne Ke Liye Eligibility Criteria
- Pakistani Shehri: Aapke paas valid CNIC hona chahiye.
- Pehli Baar Ghar: Yeh scheme sirf un logon ke liye hai jo pehli baar ghar ke malik ban rahe hain. Iske liye aapko ek affidavit (undertaking) dena hoga.
- Income: Aap apni aur apne ghar walon (co-applicant) ki amdan (income) ko mila kar bhi loan apply kar sakte hain taake ziada karza mil sake.
Apply Kaise Karein?
Aap Pakistan ke kisi bhi bade bank (Commercial, Islamic, ya Microfinance banks) ya HBFCL (House Building Finance Company) ki kisi bhi branch mein ja kar “Apna Ghar Scheme” ka form mang sakte hain.
Aakhri Baat: Apna ghar hona ek bohot bari nemat hai. Agar aap kiraye ke gharon se thak chuke hain, to ye ek behtareen mauka hai. Aaj hi apne qareebi bank se ruju karein aur apne khwab ko haqiqat banayein!
(FAQs)
Eligibility aur Buniyadi Maloomat
1. Kya is scheme mein apply karne ke liye koi umar ki had (age limit) hai?
Scheme mein koi makhsoos umar ki had nahi rakhi gayi, lekin bank apni internal credit assessment ke mutabiq faisla kar sakte hain.
2. Is scheme ke liye kaun log apply kar sakte hain?
Tamam Pakistani shehri jin ke paas CNIC maujood ho aur wo pehli baar ghar khareed rahe hon, apply kar sakte hain.
3. “First time homeownership” ka pata kaise lagaya jayega?
Umeedwar ko ek halaf-nama (undertaking) dena hoga ke unka pehle se koi ghar nahi hai. Agar baad mein ye galat sabit hua to unhein subsidy wapis karni hogi aur jurmana bhi dena hoga.
4. Kya do afrad (co-applicants) ki aamdani ko mila kar apply kiya ja sakta hai?
Ji han, banks ke paas ye ikhtiyar hai ke wo co-applicant ki income ko mila kar (clubbing) eligibility check karen.
Financing aur Rates
5. Is scheme ke tehat kitna loan mil sakta hai?
Ziyada se ziyada 10 million (1 crore) PKR tak ka loan mil sakta hai.
6. Customer ko ghar ki qemat ka kitna hissa khud dena hoga?
Customer ko property ki qemat ka kam az kam 10% equity ke taur par dena hoga (LTV ratio 90:10 hai).
7. Pehle 10 saal ke liye rental rate ya markup kya hoga?
Pehle 10 saal ke liye fixed markup/rental rate 5% saalana hoga.
8. ( Wazir-e-Azam Apna Ghar Program ) 10 saal ke baad rate kya hoga?
10 saal ke baad rate variable ho jayega, jo ke 1-Year KIBOR + 3% ke barabar hoga.
9. ( Wazir-e-Azam Apna Ghar Program ) Kya is scheme mein koi processing fee ya jaldi paise wapis karne par jurmana hai?
Nahi, is scheme mein koi processing cost nahi hai aur na hi waqt se pehle paise wapis (prepayment) karne par koi penalty li jayegi.
Property aur Tenor
10. ( Wazir-e-Azam Apna Ghar Program ) Karz wapis karne ki muddat (tenor) kitni hai?
Ziyada se ziyada muddat 20 saal hai, lekin umeedwar is se kam waqt ke liye bhi loan le sakte hain.
11. ( Wazir-e-Azam Apna Ghar Program ) Ghar ya flat ka size kitna hona chahiye?
Ghar ka size ziyada se ziyada 10 Marla (2720 sq ft) aur flat ka size ziyada se ziyada 1500 sq ft hona chahiye.
12. Kya sirf plot khareedne ke liye loan mil sakta hai?
Sirf plot ke liye loan nahi milega. Plot ke liye loan tabhi milega jab us par ghar tameer (construction) karna ho.
13. ( Wazir-e-Azam Apna Ghar Program ) Kya moujooda ghar ki murammat (renovation) ke liye loan liya ja sakta hai?
Nahi, ye scheme sirf ghar/flat khareedne, plot par ghar banane, ya plot kharid kar us par tameer karne ke liye hai.
Bank aur Digar Maloomat
14. ( Wazir-e-Azam Apna Ghar Program ) Kaun se banks ye facility de rahe hain?
Tamam commercial banks, Islamic banks, microfinance banks, aur HBFCL is scheme mein shamil hain.
15. ( Wazir-e-Azam Apna Ghar Program ) Agar koi bank mein naukri karta hai, to kya wo apply kar sakta hai?
Ji han, bank staff bhi apply kar sakta hai agar wo apni HR policy ke tehat bank ki housing finance ke liye eligible nahi hain.
Central Bank: State Bank of Pakistan (SBP)
More Detail https://pakpublicportal.com/