Buying a home in Pakistan has become a dream that feels out of reach for many families. With property prices rising faster than incomes, middle and low-income citizens have struggled to own a decent place to live. To tackle this growing issue, the Government of Pakistan has launched the Govt Housing Scheme 2025 – “Mera Ghar, Mera Ashiana”, a new initiative aimed at providing affordable housing opportunities to thousands of deserving people across the country.
A Step Toward Housing for All
The Mera Ghar, Mera Ashiana program is part of the government’s long-term plan to make homeownership possible for every Pakistani family. Introduced in collaboration with the State Bank of Pakistan (SBP), the scheme is designed especially for first-time buyers who have never owned property before.
Under this initiative, the government will provide subsidized housing loans with low markup rates and easy repayment options. This means people can buy or build their homes without being burdened by heavy interest payments or complicated banking processes.
Key Features of the Housing Scheme
Here are some of the most important features that make the Govt Housing Scheme 2025 a practical and promising option for many Pakistanis:
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Loan Amounts: Up to Rs. 3.5 million
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Property Type: Houses (up to 5 marlas) or apartments (up to 1,360 sq. ft.)
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Repayment Tenure: Up to 20 years
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Eligibility: Only for first-time homebuyers who are Pakistani citizens
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Markup Rates:
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Tier-1: 5% for loans up to Rs. 2 million
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Tier-2: 8% for loans between Rs. 2–3.5 million
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This two-tier structure ensures flexibility and makes housing accessible for both low and middle-income groups.
Why This Scheme Matters
For decades, Pakistan has faced a growing housing shortage, with millions of citizens unable to afford even small homes. Rapid urbanization, inflation, and speculative real estate investments have pushed prices far beyond reach. In major cities like Lahore, Karachi, and Islamabad, the cost of a modest home often exceeds Rs. 10 million — a figure unaffordable for the average salaried person.
The Mera Ghar, Mera Ashiana initiative aims to bridge this affordability gap. By reducing markup rates and extending loan periods, the government is allowing families to pay smaller monthly installments, similar to rent. This step could significantly reduce the country’s housing crisis and encourage economic stability.
How the Financing Works
The financing structure of the scheme is simple yet impactful.
| Tier | Loan Range | Fixed Markup Rate | Tenure |
|---|---|---|---|
| Tier-1 | Up to Rs. 2 million | 5% | Up to 20 years |
| Tier-2 | Rs. 2–3.5 million | 8% | Up to 20 years |
There are no hidden charges, no prepayment penalties, and a 90:10 loan-to-value ratio, where the borrower contributes only 10% as a down payment. The government and banks share the portfolio risk, making this a safer and more inclusive program.
Eligibility Criteria
To qualify for the Govt Housing Scheme 2025, applicants must:
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Be Pakistani citizens
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Be first-time homebuyers
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Not own any other residential property in their name
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Apply for a property within the approved size and value limits
Applicants can use the financing to buy a ready home, construct a new house, or build on an existing plot, giving them flexibility based on their needs.
Frequently Asked Questions
Q1: Can overseas Pakistanis apply for this scheme?
Currently, the scheme mainly targets residents of Pakistan, but the government is considering expanding it to overseas Pakistanis in future phases.
Q2: What is the maximum repayment period?
Applicants can repay their loans over a period of up to 20 years, depending on the chosen plan.
Q3: Is there any income limit to apply?
Yes. Applicants should fall under the low or middle-income categories, as defined by the partner banks and SBP guidelines.
Conclusion
The Govt Housing Scheme 2025 – Mera Ghar, Mera Ashiana is more than just a housing project — it is a promise of stability, dignity, and hope for Pakistan’s working class. With affordable loans, low interest rates, and long-term repayment plans, the government is giving families a real chance to own a home they can call their own.
If implemented effectively, this initiative could transform the housing landscape in Pakistan, reduce homelessness, and promote sustainable urban development. For thousands of Pakistanis, 2025 might finally be the year they say, “This is my home, my future.”