Prime Minister Shehbaz Sharif ordered provincial chief secretaries to conduct a comprehensive survey of properties to identify mortgage-eligible plots for the Apna Ghar Scheme. The affordable housing initiative has received 147,504 applications, approving 53,127 loans valued at Rs313.42 billion, while disbursing Rs45.43 billion to 8,739 applicants.
The Bottom Line
- Capital Deployment: Approved loan volume reaches Rs313.42 billion, with Rs45.43 billion successfully disbursed to 8,739 beneficiaries.
- Macro Targets: The administration plans to scale agricultural and SME lending to Rs2 trillion each by June 2028 under the Access to Finance Plan 2026-2028.
- Administrative Push: Pilot digital mapping in Islamabad aims to streamline plot verification and mortgage processing for low- and middle-income borrowers.
Deploying Capital into Affordable Housing Finance
According to official reports from a high-level review meeting chaired in Islamabad, the government’s flagship affordable housing initiative has processed nearly 147,504 submissions. Out of this pool, 53,127 applications have secured official approval, representing a total financial commitment of Rs313.42 billion.
https://x.com/PakPMO/status/2097573553977823414
Disbursements, however, reflect a more conservative capital release pace. Only Rs45.43 billion has reached 8,739 applicants to date. To bridge the gap between approval and cash deployment, Prime Minister Shehbaz Sharif instructed provincial authorities to launch a systematic survey of available properties that meet standard mortgage requirements, utilizing Islamabad as the pilot city for digital land mapping.
| Metric Category | Reported Volume / Target | Financial Value |
|---|---|---|
| Apna Ghar Scheme Total Applications | 147,504 submitted | — |
| Apna Ghar Approved Loans | 53,127 approved | Rs313.42 billion |
| Apna Ghar Disbursed Loans | 8,739 recipients | Rs45.43 billion |
| Agricultural Lending (August 2026) | Active portfolio | Rs1.268 trillion |
| Agricultural Lending Target (June 2028) | Access to Finance Plan | Rs2.00 trillion |
| SME Sector Lending (August 2026) | Active portfolio | Rs1.067 trillion |
| SME Lending Target (June 2028) | Access to Finance Plan | Rs2.00 trillion |
Broadening Credit Portfolios Across Agriculture and SMEs
Beyond urban housing development, the Access to Finance Plan 2026-2028 targets structural liquidity constraints in foundational economic sectors. Commercial bank exposure to the agricultural sector stood at Rs1.268 trillion as of August 2026. The state has mandated an aggressive expansion target, aiming to push agricultural financing to Rs2 trillion by June 2028.
Digital adoption is driving a portion of this retail credit flow. Through the Zarkhez-e application, 35,838 loan applications have been filed, resulting in Rs7.35 billion in approvals and Rs1.96 billion in actual disbursements. Simultaneously, Small and Medium Enterprises (SMEs) accounted for Rs1.067 trillion in bank lending as of August 2026, with a parallel target of Rs2 trillion by June 2028. Institutional capacity building is accompanying these credit lines; the Small and Medium Enterprises Development Authority (SMEDA) provided financial literacy training to 1,096 small business operators during the preceding three-month window.
Institutional Coordination and Regional Commitments
The high-level review convened key economic architects, including Deputy Prime Minister Ishaq Dar, Muhammad Aurangzeb, and State Bank of Pakistan Governor Jameel Ahmad, alongside World Bank Country Director Bolormaa Amgaabazar.
https://x.com/PakPMO/status/2097720568502157799
In a separate political engagement following the economic briefing, Prime Minister Shehbaz met with newly elected Azad Jammu and Kashmir (AJK) Prime Minister Iftikhar Ali Gillani. The federal executive pledged continuous administrative and financial cooperation to support regional welfare projects and long-term infrastructure development across the territory.
Disclaimer: The information provided in this article is for educational and informational purposes only and does not constitute financial advice.
