Govt Loans

Apni Chhat Apna Ghar is an interest-free housing loan scheme launched by the Government of Punjab providing up to PKR 1.5 Million (15 Lakhs) for plot owners (up to 5 marlas urban or 10 marlas rural). The loan is 100% interest-free with zero service charges, payable in easy monthly installments of approx PKR 14,000 over 9 years. Apply at acag.punjab.gov.pk.

Kamyab Jawan Program (now part of Prime Minister Youth Business & Agriculture Loan Scheme) offers subsidized business loans to Pakistani citizens aged 21 to 45. Tier 1 offers up to PKR 500,000 interest-free (0% markup). Tier 2 offers up to PKR 10 Million at subsidized 5% to 7% markup rates.

Mera Ghar Mera Ashiana is a government-subsidized mortgage program enabling low and middle-income families to finance constructed houses or apartments over 15 to 20 years with fixed discounted markup tiers starting at 3% to 5%.

Asaan Karobar Scheme provides hassle-free working capital and equipment financing for small shopkeepers, micro-entrepreneurs, and cottage industries up to PKR 1 Million with minimum documentation via Akhuwat and Microfinance Banks.

PM Youth Business & Agriculture Loan Scheme (PMYB&ALS) offers loans across 3 tiers: Tier 1 (up to 500,000 PKR at 0% markup via microfinance), Tier 2 (500,000 to 1.5 Million PKR at 5% markup), and Tier 3 (1.5 Million to 7.5 Million PKR at 7% markup). Apply at pmyp.gov.pk.