Calculate estimated monthly instalment, customer contribution, financing amount and basic eligibility for the Wazir-e-Azam Apna Ghar / Ghar Ho Tu Apna housing scheme in Pakistan.
Disclaimer: The Wazir-e-Azam Housing Scheme Calculator on Financify.pk is for estimation and educational purposes only. It is not affiliated with any bank or government department and does not guarantee approval, eligibility, subsidy, final instalment, or official payment schedule. Always verify current scheme rules and final terms with the relevant official source or participating financial institution.
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Wazir-e-Azam Apna Ghar / Ghar Ho Tu Apna is a Pakistan state housing finance scheme designed to support eligible residents in purchasing or constructing a residential home through subsidized financing terms.
This calculator helps users estimate the monthly instalment, customer contribution, financing amount and basic checks before applying through a participating financial institution.
The calculator deducts the customer contribution from the property value or construction cost. The remaining amount becomes the requested finance amount and is capped at PKR 10 million for calculation.
Finance Amount = Property Value − Customer Contribution
First Payment = PMT(5% annual rate, tenure months, finance amount)
After 10 Years = PMT(expected KIBOR + 3%, remaining months, balance)For tenures above 10 years, the calculator estimates the remaining balance after 120 payments and then recalculates the revised payment using expected KIBOR plus 3%.
Reference values used for this independent calculator
| Scheme Parameter | Calculator Value |
|---|---|
| Maximum financing used | PKR 10,000,000 |
| Minimum customer contribution | 10% of property value |
| First 10 years subsidized rate | 5% per annum |
| After 10 years estimated rate | Expected KIBOR + 3% |
| Maximum tenure | 20 years |
| House size check | Up to 10 Marla / 2,720 sq. ft. |
| Flat / apartment size check | Up to 1,500 sq. ft. |
| Minimum income check used | PKR 40,000 per month |
Common questions about this housing finance estimation tool.
No. This is an independent Financify.pk estimation calculator. It is not an official approval system, application portal, or guarantee of eligibility.
The calculator uses 10% as the minimum customer contribution. A higher contribution reduces the requested financing amount and estimated monthly instalment.
For tenures above 10 years, the calculator estimates the outstanding balance after 120 monthly payments at 5% and then recalculates the remaining monthly payment using expected KIBOR plus 3%.
The calculator caps the financing amount at PKR 10 million. If your requested financing exceeds this limit, the result will show the amount used for calculation and mark the limit check.
Yes. Actual instalment can differ due to official scheme updates, documentation, fees, insurance/Takaful, property valuation, institution policy, approval conditions and final repayment schedule.