Pakistan’s Wazir-e-Azam Apna Ghar Program – Ghar Ho Tu Apna, formerly known as the Mera Ghar-Mera Ashiana scheme, requires applicants to submit relevant documentation for housing finance. The State Bank of Pakistan officially confirmed the scheme’s name change in April 2026, while participating financial institutions continue to process applications under the programme.
A documentation checklist for the scheme outlines the key paperwork applicants may need, covering salaried, self-employed and informal-sector applicants. Having the required documents ready can help applicants avoid unnecessary delays during the financing process.
Common Documents Required for All Applicants
The checklist identifies three basic documents for all applicants:
- Completed MGMA/Apna Ghar application set
- Copy of valid CNIC
- Two recent photographs
Applicants should ensure that personal information is accurate and that submitted documents are clear and valid.
Documents Required for Salaried Applicants
For individuals working in the formal sector, documentation focuses primarily on employment and income verification.
Applicants may provide an original employment letter, employment certificate or other acceptable evidence of employment.
For income verification, the checklist includes:
- Last six salary slips or a salary certificate
- Account maintenance certificate
- Recent six-month bank statement showing salary credits
The checklist also notes that salary slips and bank statements should generally be recent, with documents up to 60 days old indicated for the relevant requirements. Online or electronic salary slips may be accepted subject to verification.
Official bank requirements can differ depending on the applicant and participating institution. For example, Faysal Bank’s published programme requirements also include employment and income documentation for salaried applicants.
Requirements for Self-Employed Applicants
Self-employed professionals, business owners and other applicants may need to provide documentation demonstrating the existence and ownership of their business or professional activity.
Acceptable proof may include:
- Partnership deed
- Bank certificate
- NTN certificate
- Office rent agreement
- Professional degree or diploma
- Membership of a relevant professional body
- Another valid and verifiable business document
For income assessment, applicants may also be required to submit an account maintenance letter along with a recent 12-month bank statement.
These requirements allow the financing institution to assess the applicant’s income pattern and repayment capacity. Faysal Bank similarly lists business ownership evidence and a recent 12-month bank statement among its requirements for self-employed applicants.
Informal-Sector Applicants Can Also Provide Supporting Documents
The documentation checklist also addresses applicants working in the informal sector.
For salaried, self-employed and other informal-sector applicants, documents such as a rent agreement, rent payment declaration, utility bill, telecom bill, school fee challan or another valid expense document may be accepted as an income proxy, subject to the applicable verification and financing requirements.
This approach can be particularly relevant for individuals whose income does not follow a conventional monthly salary structure.
Applicants Should Prepare Documents Before Applying
Prospective applicants should prepare their documentation before approaching a participating bank or financial institution. Keeping employment, business, income and banking records organized can make the application process easier and help reduce requests for missing information.
It is also important to remember that the exact documentation requirements may vary between participating financial institutions and individual applicant profiles. Applicants should therefore confirm the latest requirements with their selected bank before submitting an application.
The State Bank of Pakistan maintains information on housing finance initiatives and related regulatory measures through its official housing finance resources.
What Applicants Should Check Before Submission
Before submitting an Apna Ghar housing finance application, applicants should verify that:
- The application form is complete.
- CNIC information is accurate.
- Recent photographs are available.
- Employment or business documents are valid.
- Bank statements meet the required period.
- Income evidence is consistent with the applicant’s declared financial position.
- Original documents are available where verification is required.
Being prepared can help applicants navigate the financing process more efficiently and understand what their bank requires before the application moves forward.
Bottom Line
The PM Apna Ghar Program provides a structured route toward housing finance for eligible applicants, but documentation remains an important part of the process. Salaried applicants generally need employment and salary evidence, while self-employed applicants may need business ownership documents and longer bank statements. Informal-sector applicants may have alternative supporting documents available for income assessment.
Applicants should always confirm the latest requirements directly with the participating financial institution before submitting their application, as additional documents may be requested depending on individual circumstances.
