Mera Ghar Mera Ashiana Scheme 2025 | Affordable Housing Finance in Pakistan
Introduction
Owning a home in Pakistan has become a dream for millions due to rising property prices and limited access to affordable housing finance. To address this challenge, the Government of Pakistan, in collaboration with the State Bank of Pakistan (SBP), has launched the “Mera Ghar – Mera Ashiana” scheme 2025.
This initiative is designed to help low- and middle-income families purchase or construct their first home with long-term loans at subsidized markup rates. Whether you want to buy a flat, build on an owned plot, or purchase a plot plus construct a house, this scheme offers the support you need to finally step into your own home.
Key Features of Mera Ghar – Mera Ashiana
- Eligibility:
- Pakistani citizens with a valid CNIC
- Must be a first-time homebuyer (not owning any other housing unit)
- Purpose of Loan:
- Purchase of a house or apartment
- Construction of house on owned plot
- Purchase of plot + construction
- House Size Limit:
- Up to 5 marla houses
- Apartments/flats up to 1,360 sq. ft.
Loan Tiers & Markup Rates
The scheme offers two tiers of loans with subsidized markup rates:
Tier 1 (Smaller Units)
- Loan amount: Up to PKR 2 million
- Markup rate: 5% (fixed)
- Tenure: Up to 20 years
Tier 2 (Mid-Range Units)
- Loan amount: Between PKR 2 million – 3.5 million
- Markup rate: 8% (fixed)
- Tenure: Up to 20 years
The markup subsidy applies for the first 10 years, after which normal rates apply.
Loan Structure
- Down Payment (Equity): Only 10% of the property value
- Bank Financing: Up to 90% of the total cost
- Other Charges:
- ✅ No processing fee
- ✅ No prepayment penalties
Participating Institutions
All commercial banks, Islamic banks, microfinance banks, and House Building Finance Company Limited (HBFCL) are part of this scheme.
This wide participation ensures that customers all across Pakistan — from Karachi to Lahore, Islamabad to Multan — can apply easily through their nearest bank branch.
Benefits of Mera Ghar – Mera Ashiana
✔️ Affordable Home Ownership – Reduced markup rates make housing accessible for low- and middle-income families.
✔️ Government Support – First-loss coverage of 10% reduces banks’ risk and encourages lending.
✔️ Long Tenure Loans – Repayment period up to 20 years, making installments easier to manage.
✔️ Boost to Construction Sector – Generates jobs and strengthens Pakistan’s real estate and housing sector.
✔️ Inclusive Finance – Open to all eligible Pakistanis nationwide.
How to Apply for Mera Ghar – Mera Ashiana
- Visit any participating bank branch (commercial, Islamic, or microfinance).
- Provide your CNIC, proof of income, and property details.
- Submit an application for loan under Mera Ghar Mera Ashiana.
- Bank will process, evaluate eligibility, and approve financing.
Final Thoughts
The Mera Ghar – Mera Ashiana scheme 2025 is a golden opportunity for Pakistanis dreaming of home ownership. With low markup rates, easy installments, and government-backed risk-sharing, this program ensures that families can build their future with stability and dignity.
If you are a first-time homebuyer in Pakistan, this is your chance to apply and secure your own home. Don’t miss it — visit your nearest participating bank today and take the first step towards your dream house.
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