The Naya Pakistan Housing Program (NPHP) 2026 remains one of Pakistan’s most important affordable housing initiatives, even as its original structure has evolved. While the earlier ambition of constructing five million homes nationwide has slowed, the program is still actively operating through ongoing housing projects and the government-backed Mera Pakistan Mera Ghar (MPMG) financing scheme.
As of January 2026, the federal program is now working alongside new provincial housing initiatives, especially in Punjab, where the Apni Chhat Apna Ghar scheme has emerged as a flagship project for low and middle income families.
This detailed guide explains the current status of NPHP in 2026, ongoing construction sites, housing tiers, financing options, eligibility criteria, and how to apply safely without falling into scams.
Current Status of Naya Pakistan Housing Program – January 2026
As of early 2026, the Naya Pakistan Housing Program is no longer in its mass-registration phase. Instead, it is operating through:
- Active housing construction projects
- Subsidized home financing via MPMG
- Project-based balloting and allotments
- Provincial housing schemes aligned with NPHP goals
The program is now focused on completion and financing rather than new nationwide registrations.
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Ongoing Housing Projects Under NPHP
Construction work is currently active in several major cities and regions.
Islamabad
- G-13 Sector
- G-14 Sector
These projects are among the most high-demand NAPHDA housing sites, with phased development and limited balloting rounds.
Punjab
- Lahore:
- LDA City
- Haloki Housing Area
- Sargodha:
- Multiple residential sites under development
These projects are being coordinated through federal and provincial housing authorities.
Financing Through Mera Pakistan Mera Ghar (MPMG) Scheme
The Mera Pakistan Mera Ghar scheme remains the primary financing engine behind NPHP in 2026. It allows eligible individuals to obtain subsidized home loans through commercial banks.
Current Interest Benchmark
As of January 18, 2026:
- KIBOR rate: approximately 10.53%
- Subsidized markup applies depending on housing tier
- Fixed low rates for the first 5 years
Housing Tiers, Loan Limits & Subsidy Rates
The program continues to operate under a three-tier structure, designed to support different income groups.
Tier 1 – NAPHDA Projects
- Property Type:
- Houses up to 5 marla
- Flats up to 850 sq. ft
- Maximum Finance:
- Rs. 2.7 million
- Special Subsidized Rate:
- 3 percent for the first 5 years
This tier is meant for low income families purchasing homes in NAPHDA-run projects.
Tier 2 – Non-NAPHDA Housing
- Property Type:
- Houses up to 5 marla
- Maximum Finance:
- Rs. 6.0 million
- Subsidized Rate:
- 5 percent for the first 5 years
This tier applies to private housing schemes approved under MPMG rules.
Tier 3 – Non-NAPHDA Housing
- Property Type:
- Houses up to 10 marla
- Maximum Finance:
- Rs. 10.0 million
- Subsidized Rate:
- 7 percent for the first 5 years
Designed for middle income families buying or building larger homes.
Management Update – New NAPHDA Chairman
In 2025, the federal government appointed Captain (retd) Zafar Iqbal as the new Chairman of the Naya Pakistan Housing and Development Authority (NAPHDA).
This leadership change brought a renewed focus on:
- Completing stalled projects
- Improving financing coordination with banks
- Tightening verification and balloting procedures
- Enhancing transparency
Punjab’s Flagship Housing Program – Apni Chhat Apna Ghar
In Punjab, the provincial government has launched a parallel housing initiative called Apni Chhat Apna Ghar.
This scheme now runs alongside NPHP-affiliated projects and focuses on:
- Interest-free loans
- Self-construction on owned plots
- Support for low and middle income families
Key Features of Apni Chhat Apna Ghar
- Interest-free loan up to PKR 1.5 million
- Eligible plot size:
- Urban: 1 to 5 marla
- Rural: 1 to 10 marla
- Monthly installment: around PKR 14,000
- Grace period: 3 months
Punjab residents are now encouraged to apply under this provincial scheme if they already own land.
How to Apply for Naya Pakistan Housing Program in 2026
While nationwide registrations are mostly closed, applications are still possible through two active routes.
1) Apply Through NAPHDA Projects
If a new housing project opens for balloting:
- Visit the official NAPHDA website
- Check for active project registrations
- Submit application for that specific project
- Participate in computerized balloting
This method applies mainly to Islamabad, Quetta, and selected cities.
2) Apply Through Mera Pakistan Mera Ghar Loan
If you already own land or want to buy a house in an approved private scheme:
- Visit a participating bank such as:
- National Bank of Pakistan
- Bank of Punjab
- Other MPMG partner banks
- Apply for MPMG subsidized home loan
- Submit CNIC, income proof, land documents, and bank forms
- Bank processes your loan under NPHP subsidy rules
3) Punjab Residents – Apply via Apni Chhat Apna Ghar
Punjab residents can also apply under the provincial scheme:
- Interest-free financing
- Digital registration and balloting
- Separate eligibility rules
This is now one of the fastest housing finance options in Punjab.
Eligibility Criteria for Naya Pakistan Housing Program 2026
To qualify under NPHP or MPMG:
- Must be a first-time home owner
- Must hold a valid CNIC
- Overseas Pakistanis with NICOP are eligible
- Only one member per family can apply
- Must not already own a residential property in Pakistan
Failure to meet these conditions leads to rejection.
Important Warning About Fake Registrations
Applicants are strongly advised to stay alert.
- Do not trust websites charging registration fees
- Do not share CNIC or OTP with agents
- Official registrations are only handled through:
- NADRA
- NAPHDA
- Punjab Housing and Town Planning Agency (PHATA)
- Approved banks
All legitimate government applications are either free or bank-processed.
Final Thoughts
The Naya Pakistan Housing Program 2026 continues to operate in a revised and more focused form. While mass registrations have slowed, housing construction, subsidized financing through Mera Pakistan Mera Ghar, and provincial schemes like Apni Chhat Apna Ghar are actively supporting low and middle income families.
With ongoing projects in Islamabad, Lahore, and Sargodha, fixed subsidy rates, and bank-backed loans, the dream of owning a home remains achievable for thousands of Pakistanis.
