Guide Section
Federal Government Housing Schemes
Federal schemes operate nationally and are administered through federal ministries, the State Bank of Pakistan, NAPHDA, and FGEHA. These schemes target low-income, middle-income, and government employee segments across all provinces.
§1. Naya Pakistan Housing Programme (NPHP / NAPHDA)
Background
Launched by the PTI government in 2018–2020 under Prime Minister Imran Khan, the Naya Pakistan Housing Programme is the most ambitious federal housing initiative in Pakistan's history.
- •Target: Build 5 million homes for low- and middle-income Pakistanis
- •Execution Authority: Naya Pakistan Housing & Development Authority (NAPHDA)
- •Registration Authority: NADRA (National Database & Registration Authority)
- •Official Portal: naphda.gov.pk
Coverage
Projects launched in major cities:
- •Lahore (Punjab)
- •Karachi (Sindh)
- •Islamabad (Federal Capital)
- •Rawalpindi (Punjab)
- •Faisalabad (Punjab)
- •Quetta (Balochistan)
- •Peshawar (KPK)
- •Gujranwala, Sheikhupura (Punjab)
- •Sukkur, Gilgit, Muzaffarabad, Swat (Phase 1 cities)
Phase 1 Launch (March 2020)
- •Project cost: PKR 100 billion
- •Units: 20,000 housing units (5 projects with apartments + 2 with residential plots = 20,000 + 11,000)
- •Executing bodies: 6 projects under FGEHA, 1 under PHAF (Pakistan Housing Authority Foundation)
- •Cities: Islamabad, Rawalpindi, Lahore, Quetta
Apartment Specifications
| Unit Type | Size | NPHP Price (Lahore) | Market Price Equivalent |
|---|---|---|---|
| Standard Apartment | 695 sq ft | ~PKR 27 Lakh | ~PKR 50 Lakh |
| Small House | Up to 5 Marla | Subsidised rate | Market rate |
| Plot | 3–5 Marla | Allocated via ballot | Market varies |
Payment Terms
- •Down Payment: 10–20% of total unit price
- •Loan tenure: 10–25 years
- •Interest / Markup: Subsidised under federal scheme
Eligibility Criteria
- •Pakistani citizen with valid CNIC
- •First-time homeowner (no property registered in own, spouse, or dependent's name)
- •Special reserved quotas: widows, disabled persons, senior citizens, labour class, government employees
- •Application fee: PKR 1,000 (non-refundable) via EasyPaisa, JazzCash, or bank challan
- •Applications at: housing.nphp.gov.pk
Private Partners Approved Under NAPHDA
- •Kingdom Valley Islamabad (NAPHDA-approved)
- •LDA City Lahore (NAPHDA-approved quota)
- •Various provincial schemes integrated
Current Status (2025–2026)
- •Construction ongoing in multiple cities; some phases delayed due to funding and inflation
- •NAPHDA has 129+ National Coordination Committee meetings held
- •Projects in Karachi include Mohanwali (7,000 apartments), PIPRI, Hawksbay Road
- •New government (PML-N) continues scheme under revised terms
§2. Mera Pakistan Mera Ghar (MPMG) — Finance Subsidy Scheme
Background
A housing finance scheme (not direct construction), managed through the State Bank of Pakistan. Banks provide loans to eligible buyers at subsidised markup rates backed by government guarantees.
- •Renamed / relaunched as: Wazir-e-Azam Apna Ghar Program (September 2025)
- •Official reference: SBP Circular SH&SFD No. 03 of 2025 dated September 24, 2025
Key Features (2025–2026)
| Feature | Detail |
|---|---|
| Maximum Loan | PKR 10 million (increased from PKR 3.5 million — ECC approval March 2026) |
| Markup Rate | Flat 5% per annum (standardised for all tiers — previously 8% for tier 1) |
| Loan Tenure | Up to 20 years (including 10-year subsidy period) |
| Down Payment | Typically 10–15% |
| Eligible Size | House up to 10 Marla / 2,720 sq ft OR Flat up to 1,500 sq ft |
| Target | First-time homebuyers only |
| Implementation | Through State Bank of Pakistan and partner commercial banks |
Participating Banks (2025)
- •Allied Bank (Wazir-e-Azam Apna Ghar Program officially on ABL platform)
- •HBL, UBL, MCB, NBP, Askari Bank, Bank Alfalah, Meezan Bank (Islamic)
2026 ECC Updates
- •Loan limit raised from PKR 3.5M → PKR 10M
- •Uniform 5% end-user pricing introduced
- •Already-disbursed loans adjusted to new 5% rate
- •Scaling targets set over a 4-year horizon
- •Subsidy payments aligned with actual disbursements and annual fiscal allocations
- •Continued implementation through SBP mechanism
§3. Federal Government Employees Housing Authority (FGEHA)
Background
FGEHA administers housing schemes specifically for federal government employees in Islamabad, Rawalpindi, and other federal areas.
- •Website: fgeha.gov.pk
- •Ministry: Ministry of Housing & Works
- •Target Beneficiaries: Federal government employees (civil servants, military officers under separate DHA)
Major FGEHA Projects
| Project | Location | Status |
|---|---|---|
| Sector G-13 Islamabad | G-13, Islamabad | Developed, operational |
| Sector G-14 Islamabad | G-14, Islamabad | Under development |
| Sector F-14/F-15 | F-14/F-15, Islamabad | Clarification on prices issued March 2025 |
| Kashmir Avenue Apartments (Green Enclave-II) | G-13 Mauve Area | Phase 1 Tower A under construction |
| Sky Garden (Green Enclave-II) | G-13 | 6th computerized balloting held July 2025 |
| Commercial Plots G-13 & G-14 | Islamabad | Open auction June 2025 |
| FGEHA Karachi | Karachi | Commercial plots grand open auction December 2024 |
Key Facilities in FGEHA Sectors (G-13 & G-14)
- •Water supply from hydrants / bouzers (contract-based)
- •Horticulture and green belt maintenance
- •Schools and colleges (RFP issued for English medium school at G-14/2)
- •Commercial markets and plazas
Balloting Process
- •Computerized transparent balloting (6th round completed July 2025 for Sky Garden)
- •Eligible applicants listed on FGEHA official portal
- •Waiting list maintained for over-subscribed projects
§4. Pakistan Housing Authority Foundation (PHAF)
Government body working alongside NAPHDA for low-cost housing on government land.
- •Manages Mohanwali project in Karachi (7,000 apartments potential)
- •Hawksbay Road Karachi project (PKR 700 million land value)
- •PIPRI Karachi project (PKR 500 million land value)
- •Works in coordination with NADRA for beneficiary selection
§5. Markup Subsidy & Risk Sharing Scheme (MSRSS)
A technical companion to MPMG/Apna Ghar, this scheme defines the bank-government risk sharing:
- •Government guarantees a portion of housing loans
- •Banks are compensated for NPL risk through a risk-sharing pool
- •Encourages banks to lend to low-income applicants who wouldn't otherwise qualify
- •Managed via SBP's housing finance framework
- •Updated under ECC approval February 2026
§Comparison: Federal Housing Schemes
| Scheme | Type | Delivery | Max Benefit | For Whom |
|---|---|---|---|---|
| NAPHDA / NPHP | Direct housing | NAPHDA constructs | Full subsidised unit | All citizens, low/middle income |
| Mera Pakistan Mera Ghar / Apna Ghar | Finance subsidy | Bank loan at 5% | PKR 10M loan | First-time homebuyer |
| FGEHA | Employee housing | FGEHA develops plots/apts | Govt land, market price | Federal employees only |
| PHAF | Direct housing | PHAF on govt land | Subsidised units | Low income citizens |
| MSRSS | Finance/risk sharing | Via banks + SBP | Risk sharing support | Banks and borrowers |
PPG
PPG Investments Team
Pakistan Property Guide