Skip to content
Reptostate — Innovative Investments
Applications open for July 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-day bank processing target
  • 5% markup
  • 20 yr tenure
  • 1 Crore max
Check My Loan Limit
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.

Enter your name & number to unlock your exact loan limit.

FEAR #1 — "IT'S FREE, WHY PAY?"

Government application free hai. Hum bhi yehi kehte hain.

سرکاری اپلیکیشن مفت ہے — ہم بھی یہی کہتے ہیں

You can apply yourself for free. Here is the honest difference — and exactly what the PKR 1,500 buys.

OPTION A — GOVERNMENT PORTAL

Apply yourself

Apni taraf se apply karein

  • No eligibility guidance
  • No document checking
  • Risk of errors and delays
  • No dedicated support
  • No follow-up assistance
  • Rejection may require starting again
Apply Yourself for Free

Official Government Website

The government application is free. This link takes you to the official programme website.

سرکاری درخواست مفت ہے۔ یہ لنک آپ کو پروگرام کی سرکاری ویب سائٹ پر لے جائے گا۔

OPTION B — WITH REPTOSTATE

Apply with Reptostate

Reptostate ki professional assistance ke saath apply karein

  • Eligibility pre-check
  • Document verification
  • Application review and error checking
  • Guidance for correct submission
  • Dedicated WhatsApp and phone support
  • Free re-submission assistance if rejected

Subject to applicant eligibility, updated documents and bank requirements.

Our Service Fee — PKR 1,500 Only

ہماری سروس فیس صرف 1,500 روپے

Rs 1,500one-time

A professional service fee for application preparation, document review and assistance. The government application itself is free.

  • Application Review

    درخواست کا جائزہ

  • Document Checklist

    دستاویزات کی فہرست

  • Error Checking

    غلطیوں کی جانچ

  • Submission Guidance

    جمع کروانے کی رہنمائی

  • Dedicated Support

    خصوصی سپورٹ

  • Complete Guidance

    مکمل رہنمائی

Does paying the fee guarantee loan approval?

کیا فیس دینے سے منظوری کی ضمانت ملتی ہے؟

No. Final eligibility, financing terms and approval are decided entirely by the participating bank.

نہیں۔ حتمی اہلیت، قرض کی شرائط اور منظوری کا فیصلہ متعلقہ بینک کرتا ہے۔

Why isn't this service free?

یہ سروس مفت کیوں نہیں ہے؟

Our team invests time, expertise and resources to review your eligibility, organize your documents, check the application and guide you through submission.

ہماری ٹیم آپ کی اہلیت، دستاویزات اور درخواست کا جائزہ لینے اور درست رہنمائی فراہم کرنے میں وقت اور وسائل صرف کرتی ہے۔

Poori sachai — teen baatein jo hum hamesha pehle batate hain

  1. 1The government application is free.
  2. 2Our PKR 1,500 is an optional service fee for preparing, reviewing and assisting with your application — it is not a government charge.
  3. 3We do not guarantee approval. The final decision belongs to the participating bank.

1۔ سرکاری درخواست مفت ہے۔ 2۔ 1,500 روپے Reptostate کی اختیاری سروس فیس ہے، سرکاری فیس نہیں۔ 3۔ ہم قرض کی منظوری کی ضمانت نہیں دیتے؛ حتمی فیصلہ متعلقہ بینک کرتا ہے۔

Apply Yourself for Free on the Government Website

The choice is entirely yours. Reptostate's assistance is optional.

فیصلہ مکمل طور پر آپ کا ہے۔ Reptostate کی معاونت اختیاری ہے۔

FRAUD SE BACHIYE

Scam pehchanna seekhein — hum se bhi.

فراڈ پہچاننا سیکھیں

Agar hum bhi kabhi yeh karein, to hum se bhi savdhaan rahain.

Yeh sab FRAUD ki nishaniyan hain

اگر کوئی یہ کہے تو فوراً رک جائیں

  • “Loan guaranteed approve karwa denge” — koi bhi approval guarantee nahi de sakta
  • Loan “release” karwane ke liye extra paisay maangna
  • Bank officer ko “khush” karne ke naam par paisay maangna
  • Personal account mein paisay bhejne ko kehna
  • Koi verifiable office, landline ya address na hona
  • Aapka CNIC PIN, ATM PIN ya OTP maangna
  • Pressure dena — “aaj hi bhejo warna mauqa nikal jayega”

Reptostate kabhi yeh nahi karega

ہمارا وعدہ — شفاف طریقہ

  • Hum approval ki guarantee kabhi nahi dete
  • PKR 1,500 ke ilawa koi hidden ya “urgent” service fee nahi
  • Payments sirf company ke verified official account mein
  • Har payment ki receipt milti hai
  • Hum kabhi OTP ya ATM PIN nahi maangte
  • Pehle basic eligibility confirm — phir service-fee payment
  • Customers office aa kar verification kar sakte hain

Yaad rakhein: Government application free hai. Jo bhi approval ki guarantee de, woh ghalat ya misleading claim kar raha hai.

یاد رکھیں: سرکاری درخواست مفت ہے۔ قرض کی منظوری کی ضمانت دینے والا دعویٰ غلط یا گمراہ کن ہے۔

BE PREPARED

Documents Required

مطلوبہ دستاویزات

Know exactly what you'll need — before you commit to anything.

For Salaried Applicants

تنخواہ دار درخواست گزاروں کے لیے

  • CNIC — applicant and co-applicant
  • Two recent passport-size photographs
  • Job card or visiting card, if available
  • Rental document of current residence, if applicable
  • Latest utility bills, such as electricity and gas
  • Last three months' payslips, signed or stamped where required
  • Employment certificate showing date of joining, designation, salary and employment status
  • Last 12 months' bank statement, signed or stamped where required
  • Salary-account maintenance certificate, if requested by the bank
  • Previous employment letter, if required
  • NTN certificate and recent tax returns, where applicable
  • Two references

For Business Owners

کاروباری درخواست گزاروں کے لیے

  • CNIC — applicant and co-applicant
  • Two visiting cards
  • Two recent photographs
  • Ownership or rental agreement for office and residence, if applicable
  • Latest residential and office utility bills
  • Last 12 months' bank statement, signed or stamped where required
  • Account-maintenance certificate or proprietorship letter
  • Available proof of business history, such as tax returns and NTN documents
  • Professional or association membership certificate or licence, if applicable
  • Company profile
  • Two references

Additional or different documents may be required according to the selected bank's current policy and the applicant's profile.

منتخب بینک کی موجودہ پالیسی اور درخواست گزار کی صورتحال کے مطابق اضافی یا مختلف دستاویزات طلب کی جا سکتی ہیں۔

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
Full application support

Ready to Apply for Your Home Loan?

Our team assists with documentation, bank coordination and follow-up. Final eligibility, terms and approval are decided by the participating bank.

Facilitation fee
PKR 1,500
One-time service fee — not a government charge.
Bank processing
~15 days
Bank target under SBP policy — actual timing varies.
WhatsApp Us
The Reptostate Process

From calculation to keys — we handle the paperwork.

  1. 01

    Check Loan Limit

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

  2. 02

    Apply with Reptostate

    Pay the optional PKR 1,500 service fee. Our team prepares your complete bank file and documentation — typically ready in 3–5 working days.

  3. 03

    We Assist with the Bank

    We prepare and submit your application, coordinate with the bank, and follow up. Final eligibility, terms and approval are decided by the participating bank.

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.

01

Is this scheme real or scam? / کیا یہ اسکیم اصلی ہے یا فراڈ؟

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۔

Question 1 of 11