ISLAMABAD: The federal government has highlighted the pace of financing under the Prime Minister’s Apna Ghar Program – Ghar Ho To Apna, with Rs. 51.13 billion disbursed to thousands of applicants as the affordable housing initiative continues to expand.
According to figures shared by Advisor to the Finance Minister Khurram Schehzad on X, financing worth Rs. 351.3 billion had been approved for 60,349 cases as of September 4, 2026. Of these approved cases, Rs. 51.13 billion has been released through 9,717 loans.
Approved Financing Crosses Rs. 351 Billion
The latest figures show that approved financing increased by approximately Rs. 38.3 billion, or more than 12 percent, within one week.
The programme’s reported approval rate stands at 38.5 percent, while the average loan size among the disbursed cases is around Rs. 5.26 million.
The figures indicate continued growth in applications and approvals, although a substantial difference remains between the amount approved and the financing actually disbursed.
Government Focuses on Loan Disbursement
The government has identified increasing actual disbursements as the next major priority. The focus is on converting approved financing into completed transactions, including home purchases, construction and housing completion.
The distinction is important because approved financing does not necessarily mean that the funds have already reached borrowers. As of September 4, Rs. 351.3 billion had been approved, compared with Rs. 51.13 billion actually disbursed.
Financing Available for Housing Needs
Under the Apna Ghar programme, eligible Pakistani families can obtain financing for purchasing, constructing or completing a residential property.
The financing limit is set at up to Rs. 10 million, with repayment available over a period of up to 20 years. The programme also provides a fixed 5 percent interest rate for the first 10 years, subject to the applicable programme terms and eligibility requirements.
Potential Impact on Construction Activity
The government expects increased housing finance to support activity beyond the direct purchase or construction of homes.
Higher housing demand could contribute to activity in sectors such as cement, steel, construction materials and small and medium-sized businesses. However, the scale of this wider economic impact will depend on how quickly approved loans are converted into actual construction and property transactions.
Disbursement Gap Remains a Key Indicator
While the programme has recorded significant growth in approved financing, the difference between approvals and disbursements remains an important measure of its implementation progress.
With Rs. 351.3 billion approved against Rs. 51.13 billion disbursed, the government’s next challenge will be to accelerate the release of approved funds while ensuring that eligible borrowers can complete the required procedures.
The latest figures therefore point to strong growth in the programme’s financing pipeline, but its broader housing impact will ultimately depend on the pace at which approved loans translate into homes purchased, constructed or completed.
