The Government of Pakistan has introduced the Mera Ghar Mera Ashiana Scheme 2025 under the Markup Subsidy and Risk Sharing Scheme. It is an affordable housing finance program for employees. All banks in Pakistan are participating in this scheme. Employees can obtain loans of up to 20 lakh rupees from banks at an interest rate of only 5% to 8%. The repayment period is up to 20 years, with fixed interest rates in different cases.
Mera Ghar Mera Ashiana Scheme 2025
The government has launched a new housing finance program called “Mera Ghar – Mera Ashiana” to make housing more affordable. As per details on the State Bank of Pakistan’s (SBP) website, the scheme provides a markup subsidy and risk-sharing support so people can get housing loans more easily. It is available for all Pakistani citizens with a valid CNIC who do not already own a house.
حکومتِ پاکستان نے کم آمدنی اور متوسط طبقے کیلئے گھر کے خواب کو حقیقت بنانے کی غرض سے نئی ہاؤسنگ فنانس اسکیم میرا گھر میرا آشیانہ نام سے اسکیم متعارف کرا دی ہے۔
Key Features of Mera Ghar Mera Ashiana Scheme 2025
| Category | Details |
| Eligibility | Pakistani citizens with valid CNICs, first-time homeowners, no prior house ownership |
| Scope | – Purchase of house/flat – Construction on owned plot – Purchase of plot + construction |
| Unit Size | House up to 5 Marla OR flat/apartment up to 1,360 sq. ft. |
| Participating Institutions (PFIs) | All commercial banks, Islamic banks, Microfinance Banks (MFBs), and House Building Finance Company Limited (HBFCL) |
| Maximum Loan Size | Tier 1: Up to PKR 2.0 million Tier 2: Above PKR 2.0m and up to PKR 3.5m |
| Loan Tenor | Up to 20 years (markup subsidy available for 10 years) |
| Bank Pricing | One-Year KIBOR + 3% |
| End-User Pricing | Tier 1: 5% fixed Tier 2: 8% fixed |
| Bank Charges | No processing fee, no prepayment penalty |
| Loan-to-Value (LTV) Ratio | 90:10 (90% loan, 10% equity) |
| Risk Coverage | 10% of outstanding portfolio covered on first-loss basis |
Mera Pakistan Mera Ghar Calculator
Mera ghar mera Ashiana Scheme 2025 loan calculator is available here. All citizens who are interesting to get loan must use this calculator to use it. They can obtain more loans and built their homes, purchase ready made houses flats to built their dreams.
میرا گھر میرا آشیاں اسکیم 2025 حکومت پاکستان کی جانب سے متعارف کرائی گئی ایک سہولت ہے جس کا مقصد کم اور متوسط آمدنی والے خاندانوں کے لیے گھر کے حصول کو آسان بنانا ہے۔ اس اسکیم کے تحت شہری زیادہ سے زیادہ 35 لاکھ روپے تک کا قرض حاصل کر سکتے ہیں جس کی واپسی کی مدت 20 سال تک رکھی گئی ہے۔ حکومت ابتدائی 10 سال کے لیے سبسڈی فراہم کرتی ہے جس کے تحت شرحِ سود ٹیئر 1 میں 5 فیصد (20 لاکھ روپے تک) اور ٹیئر 2 میں 8 فیصد (35 لاکھ روپے تک) ہے۔ قرض کے لیے صرف 10 فیصد رقم بطور ڈاؤن پیمنٹ دینا ضروری ہے جبکہ باقی رقم بینک فراہم کریں گے۔ یہ اسکیم تمام کمرشل بینکوں، اسلامی بینکوں، مائیکرو فنانس بینکوں اور ہاؤس بلڈنگ فنانس کمپنی کے ذریعے دستیاب ہے تاکہ ملک بھر کے شہری آسان شرائط پر اپنے گھر کے مالک بن سکیں۔
How to Apply for Mera Ghar Mera Ashiana Scheme 2025?
- Visit any participating bank / HBFCL branch.
- Request and fill the housing finance application form.
- Submit documents: CNIC, income proof, property papers, affidavit (no prior house), and 10% equity/down payment proof.
- Bank will assess credit, property value, and eligibility.
- If approved, sign the agreement and loan will be disbursed.
- Repay on subsidized terms: 5% (T1) or 8% (T2) markup, up to 20 years.
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Participants Bank List for Mera Ghar Mera Ashiana Scheme 2025
- Bank Al Habib
- Allied Bank Pakistan
- Faysal Bank
- MCB Bank Limited
- United Bank Limited UBL
- National Bank of Pakistan
- Soneri Bank
- Bank Alfalah