- August 27, 2026
- Posted by: Tresmark
- Category:
Pakistan’s total housing finance increased to Rs307 billion by mid-August 2026, up from around Rs294 billion at the end of June, as the government reported stronger growth in access to credit across housing, agriculture, SMEs and electric vehicles.
Under the Wazir-e-Azam Apna Ghar Program, applications have risen 52% since June to nearly 139,000, while approvals jumped 84% to more than 46,000. Approved financing nearly doubled to Rs279 billion, while more than 7,600 loans worth over Rs38 billion have been disbursed.
The government is also strengthening the mortgage market through revised SBP housing-finance regulations, including a 90:10 loan-to-value ratio, a 65% debt-burden ratio, simplified documentation, digital processes and longer financing tenors.
Agriculture financing remained around Rs1.26 trillion, with the number of borrowers rising to approximately 3.37 million by mid-August. Meanwhile, SME financing reached around Rs1.05 trillion, covering roughly 330,000 businesses.
The government aims to increase both agriculture and SME financing to Rs1.5 trillion by June 2027 and Rs2 trillion by June 2028.
Progress was also reported under the PAVE electric vehicle financing programme, with more than 83,000 applications received, around 15,800 approvals and nearly 4,000 loans disbursed by mid-August.
The Finance Ministry said the broader access-to-finance drive is intended to channel more credit toward productive investment, home ownership, agriculture, SMEs and exports, supporting private-sector activity, employment and economic growth.
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