An Allied Bank home loan, branded Allied Home Finance, offers Rs 1.5 million to Rs 75 million for purchase, construction, or renovation at a variable rate of 1-Year KIBOR plus up to a 4% bank spread. Lower-income first-time buyers can instead access the Wazir-e-Azam Apna Ghar Program at a subsidized 5% markup for the first ten years.
An Allied Bank home loan search usually leads to two very different products: the bank's standard Allied Home Finance facility, priced at market-linked KIBOR rates, and the government-backed Apna Ghar scheme, built specifically to make housing finance affordable for first-time buyers who wouldn't otherwise qualify at commercial rates. Here's how the two differ.
Home Loan EMI Calculator
Estimate your monthly instalment for either pricing path — standard KIBOR-linked financing or the subsidized Apna Ghar rate — using the actual published rate components below.
1-Year KIBOR reference of 12.16% (offer rate) per State Bank of Pakistan's official KIBOR publication, 20 August 2026 — check sbp.org.pk for the current day's rate before relying on this for a real decision, since KIBOR moves daily. The 4% maximum bank spread and 5% Apna Ghar rate are per Allied Bank's official Allied Home Finance and Apna Ghar Program disclosures. This calculator uses a standard reducing-balance EMI formula and is an estimate only — your actual approved rate depends on your risk profile and is confirmed on your Key Fact Statement.
Allied Home Finance (Standard)
| Feature | Detail |
|---|---|
| Financing Range | Rs 1,500,000 to Rs 75,000,000 |
| Markup | Variable: 1-Year KIBOR + up to 4% p.a. bank spread |
| Repricing | Annual; bank spread stays fixed |
| Purpose | Purchase, construction; residential properties only |
| Co-Borrower | Spouse, parent, or son permitted |
| Early Disbursement Change | Allowed within 12 months of first disbursement |
Terms confirmed from Allied Bank's official Allied Home Finance page (abl.com/personal/loans/allied-home-finance).
Allied Home Finance Fees & Termination Charges
| Charge | Amount |
|---|---|
| Processing Fee | Rs 6,500 (non-refundable after approval; not applicable to the Mera Ghar – Mera Ashiana segment) |
| Late Payment Charge | Rs 1,500 per instance |
| Cheque Return Charge | Rs 1,200 per instance |
| Premature Termination (Year 1–3) | 5% of outstanding principal |
| Premature Termination (Year 3–7) | 3% of outstanding principal |
| Premature Termination (Year 7–10) | 1% of outstanding principal |
| Premature Termination (After Year 10) | No charges |
| Delayed Construction Charges | Up to 3% of the tranche amount to be disbursed |
Two segments are exempt from these standard termination charges: Mera Pakistan Mera Ghar and Mera Ghar – Mera Ashiana carry no premature-termination or delayed-construction penalty under the Schedule of Charges, reflecting their status as subsidized, socially-oriented housing segments.
Fees confirmed from Allied Bank's official Schedule of Charges, Section E(10) "Allied Home Finance," effective 01-07-2026 to 31-12-2026.
Wazir-e-Azam Apna Ghar Program (Ghar Ho Tu Apna)
This is a government markup-subsidy and risk-sharing scheme for affordable housing, available at all Allied Bank branches (and at Islamic Banking branches under a Shariah-compliant Diminishing Musharakah structure). It targets first-time homeowners who don't currently own any housing unit in their name.
Property Limits
A house up to 10 Marla (2,720 sq. ft.) or a flat up to 1,500 sq. ft.
Rate & Tenure
A subsidized 5% markup for the first ten years of a facility that can run up to 20 years total.
Eligibility
Minimum net disposable income of Rs 37,000/month; applicant age 25–60 (up to 65 for self-employed) at maturity; 90% loan-to-value, 10% equity.
For Overseas Pakistanis
Allied Roshan Apna Ghar offers up to PKR 60 million under a non-lien-based structure for Non-Resident Pakistanis holding a valid NICOP and an Allied Roshan Digital Account, covering purchase, construction, land-plus-construction, and renovation (plot-only financing is not available). Tenors range from 3 to 25 years, with repayments deducted in PKR via direct debit from the RDA.
Why the Apna Ghar Rate Looks So Different
The gap between Allied Home Finance's KIBOR-linked market rate and Apna Ghar's subsidized 5% isn't an Allied Bank pricing decision — it reflects a government risk-sharing and markup-subsidy scheme run jointly with the State Bank of Pakistan, designed specifically to make first-time home ownership affordable for lower- and middle-income buyers who wouldn't qualify for, or couldn't service, a fully market-priced mortgage. Because the subsidy is government-funded rather than absorbed by the bank, eligibility rules (property size caps, income ceilings, first-time-buyer status) are strictly enforced — Allied Bank cannot extend Apna Ghar terms to a buyer who falls outside the scheme's published criteria.
Property and Legal Due Diligence
For any Allied Home Finance application, the bank seeks a legal opinion on the property's title documents both before and after disbursement, and commissions an independent valuation through an ABL-approved firm. This due diligence protects both the bank and the buyer — it's the mechanism that catches disputed titles or overvalued properties before a large sum changes hands, and buyers should expect it to add real time to the approval timeline rather than treating it as a formality.
Good For
- Comparing standard Allied Home Finance against the Apna Ghar subsidy
- Understanding KIBOR-linked home loan pricing
- First-time buyers checking Apna Ghar eligibility
- Overseas Pakistanis financing property through Roshan Apna Ghar