If your PMT score is low, your application may be rejected even if you meet all other requirements. That’s why every applicant must understand how to improve PMT score for housing loan eligibility and what factors the system checks before approving or rejecting a file. The majority of applicants who apply for government housing schemes…
When applying for a government housing loan in Pakistan — such as through the Apni Chhat Apna Ghar or Naya Pakistan Housing Program — most applicants focus only on the markup rate or interest. However, there are several hidden monthly charges that can quietly increase your total cost and affect your affordability. Understanding these hidden…
The Faysal Bank Launches ‘Mera Ghar Mera Ashiana’ – SBP Subsidized Housing Scheme 2025 Begins initiative marks a major breakthrough for low-income families in Pakistan who dream of having their own home. This scheme is part of the State Bank of Pakistan’s national effort to expand affordable, Shariah-compliant housing finance across the country. With rising…
When applying for a home loan in Pakistan, every applicant’s financial background is carefully reviewed. One of the most important checks done by all banks is your Credit History Before Housing Loan. This process helps the lender know how responsibly you’ve handled past loans, credit cards, or any form of debt. Whether you’re applying through…
Applying for a housing loan in Pakistan is a big financial step — but before a bank approves your request, it must carefully verify every piece of information you provide. One of the most important parts of this process is confirming your Employer Details for Loan Approval. Whether you apply under the Apni Chhat Apna…
When applying for a home loan in Pakistan, most people get confused between markup vs interest rate. These two terms look similar but actually mean very different things—especially when comparing Islamic and conventional housing finance. Understanding this difference helps you choose the most affordable and Shariah-compliant option for your home under government or private schemes….
Owning a home in Pakistan is now easier than ever. Under the Mera Ghar Mera Aashiyana Scheme 2025, the Government of Pakistan, in partnership with Khushhali Microfinance Bank, has launched an affordable housing finance facility. Through this initiative, low- and middle-income families can get home loans up to Rs. 35 lakh at a markup as…
The Punjab Government has officially simplified the Home Loan Registration 2025 under the Apni Chhat Apna Ghar Program, making it easier than ever for citizens to apply online and receive affordable housing finance. This major reform, announced by Chief Minister Maryam Nawaz Sharif, enables people to register from home through a digital portal — eliminating…
Choosing the right repayment period is one of the most important financial decisions when applying for a housing loan. Under the Apni Chhat Apna Ghar Scheme 2025, applicants are offered flexible loan tenure options based on their income, age, and repayment ability. A good understanding of loan tenure options in Apni Chhat Apna Ghar Scheme…
Many Pakistanis dream of owning a home under the government’s Apni Chhat Apna Ghar Scheme 2025, but thousands of applications are rejected every month due to small, avoidable errors. Understanding these common mistakes can help you prepare your documents perfectly and secure approval on the first attempt. Apni Chhat Apna Ghar Loan Rejection mostly happens…
Buying your own home is one of the biggest dreams in life, but before any bank or financial institution approves your loan, they carefully verify your income. Understanding how banks verify income for housing loan approval can help you prepare your documents properly and avoid rejection. In Pakistan, every housing loan under government or private…
With rising inflation and property costs in Pakistan, finding the best housing loan interest rate in 2025 is essential for anyone planning to build or buy a home. Both the public and private banking sectors now offer a variety of home financing options under government-backed initiatives such as the Apni Chhat Apna Ghar Scheme 2025…
The year 2025 has brought two major housing programs into focus for Pakistan’s citizens — the Apni Chhat vs Mera Pakistan Mera Ghar Scheme 2025 by the Punjab government. Both aim to help low- and middle-income families purchase or build homes through affordable financing. Yet, many people are confused about which one to choose and…
The Apni Chhat Apna Ghar Scheme 2025 has opened a new door for thousands of families across Punjab to finally own a home through affordable housing loans. However, many applicants wonder how long it takes for their home financing to be approved once they’ve applied. The answer varies — because every bank has its own…
For thousands of citizens across Punjab who have already applied for the ACAG Scheme 2025, the next most important step is knowing how to track your Apni Chhat Apna Ghar Application Status Online application status online. The Punjab government has made this process completely digital, allowing applicants to verify the progress of their housing loan…