Pakistan’s Prime Minister’s Apna Ghar housing programme has approved 86,896 financing applications worth Rs511 billion, but 15,584 loans totalling about Rs91 billion have been disbursed so far. The figures were presented at the sixth meeting of the Access to Finance Steering Committee chaired by Finance Minister Muhammad Aurangzeb in Islamabad on October 28, 2026.
Apna Ghar approvals and disbursements
The committee reviewed efforts to make housing finance more accessible and discussed obstacles slowing the release of approved loans. While the approval figure shows substantial demand for housing finance, the much smaller disbursed amount illustrates the gap between initial sanction and money actually reaching borrowers.
The wider housing finance portfolio stood at Rs455 billion for 241,500 borrowers, according to the committee’s review.
Finance minister calls for faster lending
Aurangzeb welcomed progress in housing loans but urged financial institutions and implementation agencies to move faster on credit for small businesses and agriculture. He said expanding access to finance should produce practical benefits for businesses, farmers and underserved communities.
SME and agriculture financing figures
Outstanding lending to small and medium enterprises reached Rs1.148 trillion as of October 23, including Rs538 billion for small enterprises. Agricultural credit stood at Rs1.329 trillion, serving approximately 3.5 million borrowers.
Under the Zarkhez-e-Pakistan Asaan Zarai Qarza scheme, 20,176 loan applications worth Rs8.674 billion had been approved. Of these, 6,132 collateral-free loans totalling about Rs2.34 billion had been disbursed to smallholder farmers.
Electric vehicle financing reviewed
The committee also assessed the Pakistan Accelerated Vehicle Electrification scheme. It reported 21,918 approved applications worth Rs3.06 billion, with 5,506 loans worth Rs1.093 billion disbursed and 3,263 electric vehicles delivered.
What happens next?
Officials discussed ways to speed up disbursements, strengthen credit assessment and address housing supply constraints. Proposed work included better financing options for builders and under-construction projects, as well as digital credit-scoring initiatives with data protection safeguards.
Sources: Radio Pakistan, October 28, 2026; Associated Press of Pakistan, October 28, 2026.