Mera Ghar Mera Ashiana 2025 – Affordable Home Loans for Every Pakistani Family

Owning a home is one of the biggest dreams for many Pakistani families. However, with property prices constantly increasing, it has become difficult for low- and middle-income groups to afford a house. To make this dream achievable, the Government of Pakistan and the State Bank of Pakistan have introduced the Mera Ghar Mera Ashiana Housing Loan Scheme 2025 — a program designed to help families buy or build their first home with easy financing options.

What Is the Mera Ghar Mera Ashiana Scheme?

The Mera Ghar Mera Ashiana initiative is a government-supported housing finance scheme that offers low-interest loans, long repayment terms, and high financing ratios. It aims to make homeownership accessible to those who do not already own a property. Under this scheme, citizens can get loans covering up to 90% of the total house value, while paying only 10% upfront.

The government provides a markup subsidy, meaning borrowers pay a reduced interest rate. This makes monthly installments much smaller than regular bank loans, allowing families to manage their budgets more easily.

Loan Tiers and Key Features

The scheme is divided into two main loan tiers based on the applicant’s income and housing needs:

This flexible structure ensures affordability, transparency, and long-term support for new homeowners.

Why This Scheme Matters

Pakistan faces a significant housing shortage, especially among low-income households. Many people live in rented or temporary accommodations because they cannot afford to buy property. The Mera Ghar Mera Ashiana scheme not only addresses this problem but also promotes financial inclusion by helping individuals who previously had no access to bank financing.

The program also prioritizes women, widows, and differently-abled citizens, giving them special opportunities to apply and secure funding for their homes.

Who Can Apply?

To qualify for the Mera Ghar Mera Ashiana loan, applicants must meet the following requirements:

• Be a Pakistani citizen with a valid CNIC

• Not own any house, flat, or plot in their name

• Be a first-time home loan applicant

• Belong to a low or lower-middle income group

• Provide proof of income (such as a salary slip or business statement)

Participating Banks and Institutions

Applicants can visit any of the State Bank–approved banks or microfinance institutions to apply. These include:

Allied Bank, Askari Bank, Bank Alfalah, Habib Bank (HBL), MCB Bank, Meezan Bank, National Bank of Pakistan, Bank of Punjab, Dubai Islamic Bank, JS Bank, Faysal Bank, First Women Bank, Habib Metropolitan Bank, House Building Finance Corporation (HBFCL), and various Microfinance Banks (MFBs).

This wide network ensures that even citizens in smaller cities and rural areas can easily apply.

Loan Uses and Housing Options

The scheme covers several types of housing needs:

• Buying a new house or flat

• Building a home on owned land

• Purchasing a plot and constructing a house on it

The property size must not exceed 5 Marla (about 1360 sq. ft. for flats).

Documents Required

Applicants must provide:

• CNIC copy

• Proof of income or employment

• Passport-size photographs

• Property or land documents (if applicable)

• Bank account details

• Completed loan application form

Submitting accurate and complete documents ensures a faster approval process.

How to Apply

1. Visit any approved bank or microfinance branch.

2. Request the official Mera Ghar Mera Ashiana application form.

3. Fill out the form and attach the required documents.

4. The bank will verify your eligibility and credit profile.

5. Once approved, the loan amount will be released for purchase or construction.

It is recommended to ask the bank for a written repayment schedule to manage future installments easily.

Benefits at a Glance

• Up to 90% financing with only 10% down payment

• Low fixed markup rates of 5% and 8%

• Repayment period up to 20 years

• No processing fees or penalties

• Special priority for women and disabled applicants

• Islamic banking options available

Final Thoughts

The Mera Ghar Mera Ashiana Housing Loan Scheme 2025 is a major step toward making homeownership possible for thousands of Pakistanis. By combining low interest, easy repayment, and government-backed support, this initiative brings hope to families who dream of having a place to call their own.

If you meet the eligibility requirements, visit your nearest participating bank today — your journey to owning your own home could begin with a single application.

Official Source: State Bank of Pakistan – Mera Ghar Mera Ashiana Scheme