Owning a home has always been a dream for many families in Pakistan, but rising property prices and inflation have made it increasingly difficult. To make this dream achievable, the Government of Pakistan, in partnership with the State Bank of Pakistan (SBP), has introduced the Mera Ghar Mera Ashiana Housing Finance 2025 scheme. This initiative aims to help low- and middle-income families buy or build their first home with low-interest loans and easy repayment plans.
What Is the Mera Ghar Mera Ashiana Scheme?
The Mera Ghar Mera Ashiana program is designed to make home ownership affordable for first-time buyers. Through this scheme, eligible citizens can access long-term home loans at subsidized interest rates. The goal is to make the housing market more inclusive and encourage families to invest in secure, permanent homes.
The scheme covers three main purposes:
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Buying an existing house or apartment
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Constructing a home on owned land
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Purchasing a plot and building a house on it
This flexibility ensures that whether you already have land or are starting fresh, the program can work for you.
Who Can Apply?
To ensure the scheme benefits the right people, certain eligibility rules apply:
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You must be a Pakistani citizen with a valid CNIC.
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You should not already own any house or apartment.
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You must be a first-time home buyer.
These conditions help the government ensure that only those genuinely in need of housing support can take advantage of the initiative.
Loan Details and Markup Rates
The Mera Ghar Mera Ashiana Housing Finance 2025 offers two tiers of loans based on income and affordability:
| Tier | Loan Amount (PKR) | Fixed Markup Rate |
|---|---|---|
| T1 | Up to 2,000,000 | 5% |
| T2 | 2,000,001 – 3,500,000 | 8% |
These rates are much lower than regular bank home loan rates, allowing families to save significantly over time.
The loan tenure can extend up to 20 years, making monthly installments easier to manage. Additionally, the government provides a markup subsidy for the first 10 years, reducing the borrower’s financial burden during the early repayment years.
Property Size Limits
To maintain affordability and fairness, the scheme has set clear size limits:
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Houses: Up to 5 marla
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Flats: Up to 1,360 square feet
This ensures that the program benefits low- and middle-income families seeking practical, livable homes rather than luxury properties.
Loan-to-Value Ratio (LTV)
The LTV ratio for the scheme is 90:10, which means the bank will finance 90% of the property’s value, and the borrower only needs to pay 10% as a down payment. This is a major advantage for families who have limited savings but stable incomes.
Benefits of this structure include:
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Lower upfront cost
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Easier access to home ownership
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Reduced financial stress at the time of purchase
Key Benefits of the Scheme
Here’s why the Mera Ghar Mera Ashiana program stands out from other housing finance options:
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Low-interest rates and government subsidy for 10 years
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No processing fees or hidden charges
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No penalty for early repayment
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Flexible use – buy, build, or construct on your own land
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Available through commercial, Islamic, and microfinance banks, as well as HBFC
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Government risk coverage, ensuring safer lending and borrowing
These features make the program one of the most attractive options for first-time home buyers in Pakistan.
How to Apply
Applying for the Mera Ghar Mera Ashiana Housing Finance 2025 is simple:
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Visit any participating commercial, Islamic, or microfinance bank branch.
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Fill out the application form and submit required documents such as CNIC, proof of income, and property details.
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The bank will verify your eligibility and process the loan.
You can also contact your preferred bank’s housing finance department for personalized assistance and guidance.
Why This Scheme Matters
The Mera Ghar Mera Ashiana Housing Finance 2025 is not just a loan program—it’s a lifeline for thousands of families who have long dreamed of owning a home. By offering low markup rates, long repayment periods, and government-backed subsidies, the scheme helps ordinary citizens build a secure future without overwhelming financial stress.
With this initiative, the government aims to make home ownership a reality for everyone—turning the dream of “Mera Ghar, Mera Ashiana” into a practical and affordable goal for every Pakistani family.
In short:
If you’ve always wanted to own your own home but thought it was out of reach, Mera Ghar Mera Ashiana 2025 could be your chance. With simple terms, fair rates, and strong government support, there’s never been a better time to take the first step toward your dream home.