ReptoState — Innovative Investments
Applications open for May 2026 — Apply Now1,247people checked their eligibility this week

وزیراعظم اپنا گھر پروگرام

Apni salary se apna ghar lein sirf 5% markup.

10 seconds mein check karen kitna loan mil sakta hai. It is totally free.

  • PKR 40,000+ income eligible
  • 15 working days approval
  • 5% markup
  • 20 yr tenure
  • 1 Crore max
Check My Loan LimitWatch How to Check Eligibility in 60 Seconds
View result in 10 seconds only

Kitna loan milay ga aapko?

Apni Loan Limit Check Karen FREE
PKR

Salary enter karen — 10 seconds mein apna result daikhain.

Estimated loan limit
Rs. 68.2 lakh
At 5% markup · 20 yr tenure
Monthly installment
Rs. 45,000
Exact figure
Rs. 68,18,639
Illustrative estimate. Your final loan, installment and eligibility are confirmed by the participating bank under State Bank policy.
Rent vs ownership

Compare Your Rent vs Home Installment

Enter your monthly rent — see how it compares to owning a home under 5% scheme.

PKR
Rs. 50,000
Your monthly rent
Gone forever every month
Rs. 50,000
Home installment (est.)
Builds YOUR asset
Rs. 1.6 crore
Property value in 10 yrs
Appreciates ~8% annually
Calculate My Exact Loan Limit
Official Programme Launch — 2026وزیراعظم کا خطاب

PM's Launching Speech — Ghar Ho Tou Apna

Watch the Prime Minister announce the Apna Ghar Programme and explain how this scheme will help millions of Pakistanis own their first home — at just 5% fixed markup.

How Beneficial This Programme is for People — a direct message from the Prime Minister of Pakistan on why home ownership is every citizen's right.

وزیراعظم پاکستان · میرا گھر پروگرام · 2026

Step-by-Step Tutorial

How to Check Your Loan Eligibility in 60 Seconds

Watch our screen-recorded guide — see exactly how to use the calculator and get your result instantly.

Try the calculator now
The Hard Truth About Renting

Every month you pay rent, you make someone else rich.

It's time to flip this equation. Here's the reality side by side.

Paying Rent (Right Now)
  • Every rupee is gone forever
  • Your landlord builds wealth, not you
  • Rent increases every year
  • Zero security — can be asked to leave
  • After 20 years: nothing to show for it
  • No credit history built
Owning Under Govt Scheme
  • Same monthly payment — builds YOUR asset
  • Property value appreciates every year
  • Fixed 5% rate — predictable payments
  • Full security for your family
  • After 20 years: fully-owned home
  • Build credit + generational wealth

You're already paying for a home — just not your own.

Your monthly rent is close to a home installment. Under the Government's 5% fixed markup scheme, you could be building an asset worth crores — not handing your money to a landlord. The only question is: how much can YOU get?

Calculate How Much Loan Can I Get
Participating Banks

Government-Approved Lending Partners

State Bank of Pakistan Policy: The following commercial and microfinance banks are bound to process applications and offer loans under the PM's Apna Ghar Programme 2026 at a fixed 5% annual markup — as mandated by the State Bank of Pakistan's Housing Finance Policy.

Commercial & specialized banks

  • HBL
    Habib Bank Limited
    Commercial Bank
  • NBP
    National Bank of Pakistan
    Commercial Bank
  • MCB
    MCB Bank Limited
    Commercial Bank
  • UBL
    United Bank Limited
    Commercial Bank
  • ABL
    Allied Bank Limited
    Commercial Bank
  • BOP
    Bank of Punjab
    Commercial Bank
  • BOK
    Bank of Khyber
    Commercial Bank
  • SME
    SME Bank
    Specialized Bank

Microfinance banks

  • KB
    Khushhali Bank
    Microfinance Bank
  • FINCA
    FINCA Microfinance
    Microfinance Bank
  • NRSP
    NRSP Microfinance
    Microfinance Bank
  • Apna
    Apna Microfinance
    Microfinance Bank
Verified listings

Matching Properties in Your Area

Showing 3 of 47+ verified listings

  • Scheme-eligible
    Bahria Town, Lahore

    1-Bed Apartment

    Price
    Rs. 75,00,000
    Apartment
  • Scheme-eligible
    Lahore

    5-Marla House

    Price
    Rs. 1,50,00,000
    House
  • Scheme-eligible
    Lahore

    1-Bed Furnished Apartment

    Price
    Rs. 90,00,000
    Apartment
Want to see all 47+ matched properties? Check How Much Loan You Can Get
We handle everything

Ready to Apply for Your Home Loan?

Our team handles everything — documentation, bank meetings, paperwork. ⏱ Approval process: 15 working days

Facilitation fee
PKR 1,500
One-time service fee — not a government charge.
Approval process
15 days
Working days, per Government scheme policy.
WhatsApp Us
The Reptostate Process

From calculation to keys — we handle everything.

  1. 01

    Check Loan Limit

    Enter your rent & income. See your exact loan amount, monthly installment, and how your rent compares — in under a minute.

  2. 02

    Apply with Reptostate

    Pay PKR 1,500 facilitation fee. Our expert team prepares your complete bank file and documentation. Timeline: 15 working days.

  3. 03

    We Handle the Bank

    We manage your entire application, bank meetings, and approvals. You just show up to sign — and collect your keys.

Real Stories

Pakistanis who made the flip

Mein 14 saal se kiraya de raha tha. Reptostate ne meri bank file 3 hafte mein complete ki. Aaj mera apna ghar hai.

A
Ahmed Khan
Lahore · 5-Marla owner

The calculator showed me I could afford a 10-Marla flat. I didn't believe it. But we got approved in 6 weeks.

S
Sara Riaz
Lahore · Apartment owner

Meri salary 65,000 thi aur mujhe lagta tha ghar lena na-mumkin hai. Reptostate ne meri wife ki income bhi add ki aur loan mil gaya.

Z
Zeeshan Butt
Rawalpindi · 5-Marla owner

Pehle lagta tha ke apna ghar sirf khwaab hai. Reptostate ki team ne sab kuch handle kiya — documents se le kar bank tak.

U
Usman Tariq
Faisalabad · 5-Marla owner

Main ghar baithe calculator use kiya aur 10 minute mein pata chal gaya ke mujhe kitna loan mil sakta hai.

N
Nadia Saleem
Multan · 5-Marla owner

Meri wife ki income add karke humara loan limit double ho gaya. Reptostate ne yeh option bataya warna hum reject ho jaate.

B
Bilal Chaudhry
Sialkot · 5-Marla owner

1,500 fee sun ke thodi hesitation thi. But jo service mili — complete file, bank meetings, follow-up — worth every rupee.

S
Sana Malik
Bahawalpur · 3-Marla owner

Main 8 saal se kiraya de raha tha. Ek din yeh page dekha, calculator use kiya, aur 3 hafte baad bank ne approve kar diya.

R
Rizwan Ahmed
Lahore · Apartment owner

Self-employed hoon, salary slip nahi thi. Reptostate ne bank statement se kaam chalaya aur loan mil gaya.

H
Hira Bajwa
Lahore · Apartment owner

Calculator ne exact figure di jo baad mein bank ne bhi confirm ki. Team ka response WhatsApp pe bohat fast tha.

T
Tariq Mehmood
Multan · 5-Marla owner

Mein 14 saal se kiraya de raha tha. Reptostate ne meri bank file 3 hafte mein complete ki. Aaj mera apna ghar hai.

A
Ahmed Khan
Lahore · 5-Marla owner

The calculator showed me I could afford a 10-Marla flat. I didn't believe it. But we got approved in 6 weeks.

S
Sara Riaz
Lahore · Apartment owner

Meri salary 65,000 thi aur mujhe lagta tha ghar lena na-mumkin hai. Reptostate ne meri wife ki income bhi add ki aur loan mil gaya.

Z
Zeeshan Butt
Rawalpindi · 5-Marla owner

Pehle lagta tha ke apna ghar sirf khwaab hai. Reptostate ki team ne sab kuch handle kiya — documents se le kar bank tak.

U
Usman Tariq
Faisalabad · 5-Marla owner

Main ghar baithe calculator use kiya aur 10 minute mein pata chal gaya ke mujhe kitna loan mil sakta hai.

N
Nadia Saleem
Multan · 5-Marla owner

Meri wife ki income add karke humara loan limit double ho gaya. Reptostate ne yeh option bataya warna hum reject ho jaate.

B
Bilal Chaudhry
Sialkot · 5-Marla owner

1,500 fee sun ke thodi hesitation thi. But jo service mili — complete file, bank meetings, follow-up — worth every rupee.

S
Sana Malik
Bahawalpur · 3-Marla owner

Main 8 saal se kiraya de raha tha. Ek din yeh page dekha, calculator use kiya, aur 3 hafte baad bank ne approve kar diya.

R
Rizwan Ahmed
Lahore · Apartment owner

Self-employed hoon, salary slip nahi thi. Reptostate ne bank statement se kaam chalaya aur loan mil gaya.

H
Hira Bajwa
Lahore · Apartment owner

Calculator ne exact figure di jo baad mein bank ne bhi confirm ki. Team ka response WhatsApp pe bohat fast tha.

T
Tariq Mehmood
Multan · 5-Marla owner
Frequently asked

Frequently Asked Questions

Everything you need to know before applying.

  1. Yes — this is a 100% Government of Pakistan initiative, announced by Prime Minister Shehbaz Sharif and regulated by the State Bank of Pakistan (SBP). The 5% fixed markup housing finance policy is an official SBP directive that all participating banks are legally bound to follow. Reptostate is a registered facilitation platform that helps you prepare and submit your application.

    جی ہاں — یہ وزیراعظم پاکستان کی سرکاری اسکیم ہے جو اسٹیٹ بینک آف پاکستان کی نگرانی میں چل رہی ہے۔ آپ ان کی ویب سائٹ پر سرکاری دستاویز دیکھ سکتے ہیں۔