The State Bank of Pakistan (SBP) has launched the Mera Ghar Mera Ashiana Loan Scheme 2025 online registration, which makes it possible for first-time buyers to finally build or purchase their own house. This scheme provides low markup housing loans, government subsidies, and easy installments, making home ownership a reality for thousands of families.
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Why This Scheme is Important for Families
In Pakistan, the biggest financial challenge for families is either paying huge rents every month or collecting money for a down payment to buy property. The SBP Mera Ghar Mera Ashiana Scheme gives a fresh chance to people who have never owned a house before. It allows them to get housing finance at fixed interest rates and repay it in easy monthly installments spread over 20 years. Unlike normal housing loans that often come with hidden costs, this scheme is transparent and completely backed by the government.
Mera Ghar Mera Ashiana Scheme Criteria and Loan Details
| Requirement | Details |
| Citizenship | Must be a Pakistani with valid CNIC |
| First-Time Ownership | Applicant should not own any house or flat |
| Housing Options | Purchase ready house/flat, build on own plot, or buy plot + build |
| Unit Size | House up to 5 Marla / Flat up to 1360 sq. ft. |
Mera Ghar Mera Ashiana Loan Tiers, Markup & Repayment Details
The loan is divided into two main tiers depending on the loan size. Here is a breakdown of markup rates and repayment time:
| Tier | Loan Size | Markup Rate | Repayment Time |
| Tier 1 | Up to PKR 2 Million | 5% Fixed | Up to 20 Years |
| Tier 2 | PKR 2M – 3.5M | 8% Fixed | Up to 20 Years |
This means if your house costs PKR 2 million, you only need PKR 200,000 as your share, while the bank finances the rest with easy installments.
Benefits of the Mera Ghar Mera Ashiana Scheme
- Affordable installments with low markup.
- Up to 90% financing by banks.
- Participation from commercial banks, Islamic banks, microfinance banks, and HBFCL.
- Government risk coverage to promote lending.
- No hidden charges or early payment penalties.
How to Apply Online Mera Ghar Mera Ashiana Scheme
The registration process is very simple:
- Visit any participating bank (Commercial, Islamic, Microfinance, or HBFCL).
- Fill out the housing finance form.
- Attach CNIC, proof of income, property documents, and photographs.
- The bank will check your eligibility under SBP rules.
- Once approved, the loan amount will be issued for your house purchase or construction.
Final Thoughts
The Mera Ghar Mera Ashiana Loan Scheme 2025 is not just a financial program, it is a social move to bring dignity and relief to Pakistani families. By providing affordable housing loans with government subsidy, it gives thousands of people the chance to move from rented houses to their own homes. For anyone tired of rent and dreaming of a permanent roof over their head, this scheme is truly a lifeline.
FAQs
Q1: Who can apply for the Mera Ghar Mera Ashiana Loan Scheme 2025?
Only Pakistani citizens with a valid CNIC who do not own any house or flat can apply. This scheme is for first-time homeowners only.
Q2: What types of houses are covered under this scheme?
You can use the loan to buy a ready house or flat, construct a house on your own plot, or even purchase a plot and build a house on it.
Q3: How much loan amount can I get?
You can get up to PKR 2 million under Tier 1 and up to PKR 3.5 million under Tier 2, depending on your eligibility and income proof.
Q4: What is the markup rate for this housing scheme?
The markup is fixed at 5% for loans up to PKR 2 million, and 8% for loans between PKR 2 million to PKR 3.5 million.
Q5: How long is the repayment period?
You can repay the loan in easy monthly installments over a maximum of 20 years.
Q6: Do I need to pay a large down payment?
No. The scheme allows up to 90% bank financing. For example, if your house costs PKR 2 million, you only need to pay PKR 200,000 as equity, and the bank will cover the rest.
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