Mera Ghar Mera Ashiana Housing Finance Scheme 2025 is a government-backed program launched by the State Bank of Pakistan in partnership with the Government of Pakistan. The goal is to help first-time home buyers in Pakistan by offering low-interest home loans with easy terms and long repayment time. If you don’t own a home yet, this scheme could be the key to building your dream house without worrying about heavy loan payments.
What Is Mera Ghar Mera Ashiana Scheme?
This is a subsidized housing finance program designed for low-income and middle-class families. It allows eligible people to:
- Buy a house or flat
- Build a house on owned land
- Purchase land and construct a house
The idea is simple: make affordable housing possible for ordinary citizens who struggle with rising property costs.
Who Can Apply?
To apply for this housing loan scheme in 2025, you must meet the following conditions:
- You must be a Pakistani citizen with a valid CNIC
- You must be a first-time home buyer
- You should not already own a house or flat
- You must be buying property within the size limits mentioned below
Loan Purpose and Property Size Limit
You can use this loan to:
- Buy a 5 Marla house
- Buy or build a flat (up to 1360 sq. ft.)
- Build a home on land you already own
- Buy a plot and build a house
This helps you start from scratch or improve your current living situation.
Loan Tiers and Amounts
The scheme has two main categories based on loan size:
| Tier | Loan Range | Fixed Markup |
|---|---|---|
| T1 | Up to PKR 2 million | 5% |
| T2 | PKR 2m to PKR 3.5m | 8% |
This makes it easy for people with different income levels to benefit.
Loan Features and Benefits
| Feature | Details |
|---|---|
| Maximum Loan Amount | PKR 3.5 million |
| Loan Term | Up to 20 years |
| Government Markup Support | First 10 years |
| Markup Rates | T1: 5%, T2: 8% |
| Processing Fees | None |
| Early Payment Penalty | None |
| Loan to Value (LTV) | 90:10 ratio |
This means you only pay 10% down payment, and the bank covers the rest.
How to Apply for Mera Ghar Mera Ashiana Loan?
You can apply through the following banks and institutions:
- All commercial banks in Pakistan
- Islamic banks
- Microfinance banks
- House Building Finance Corporation (HBFC)
Steps to Apply:
- Visit your nearest participating bank
- Ask for the Mera Ghar Mera Ashiana Housing Finance application form
- Submit your CNIC, income documents, property documents
- Bank will process and verify your details
- On approval, you get the loan and start construction or purchase
Why This Housing Scheme is a Great Opportunity
This is one of the best home loan offers in Pakistan for first-time buyers. Here’s why:
- You pay less markup compared to regular home loans
- Loan term up to 20 years, making monthly payments easier
- No hidden charges or penalties
- Easy approval for eligible applicants
- Helps you become a homeowner — not just a renter
Additional Advantages
- No processing fees
- No early repayment fines
- Government covers part of the risk
- Transparent system through regulated banks
Banks’ Role
All participating banks must:
- Guide applicants clearly
- Maintain fair practices
- Avoid delays or misuse
- Process loans quickly and transparently
This ensures everyone gets a fair chance.
Final Thoughts
The Mera Ghar Mera Ashiana Housing Finance Scheme 2025 is a golden opportunity for families who have always dreamed of owning their own home. With low markup, long repayment, and easy access, this scheme supports Pakistanis to take the first step toward better living.
If you are eligible, don’t wait. Visit your nearest bank and apply today.
