Mera Ghar Mera Ashiana Scheme 2025 – Loan Details, Eligibility & Online Apply
Introduction
The biggest dream of all Pakistani families is the house ownership. However, because of the cost of houses, the cost of a loan and low income, a great number of them cannot afford their own house. In order to eliminate this problem, the Government of Pakistan has introduced Mera Ghar Mera Ashiana Scheme 2025.
This plan is specifically targeted at low-income families and middle-income families that do not already have a house. Under this program, individuals are able to purchase or construct their house in simple installments, minimal mark up charges and long term repayment period of up to 20 years.
The State Bank of Pakistan (SBP) and various other banks such as Meezan Bank, HBFCL, Islamic banks and commercial banks support the scheme. Enhancing this, the government is subsidizing the markup, meaning that home buyers who are first time buyers do not have to worry about the financial strain associated with home ownership.
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Key Features of Mera Ghar Mera Ashiana Scheme 2025
The Mera Ghar Mera Ashiana Scheme has many important features that make it different from normal housing loans. Below is a simple table that explains the main details:
| Feature | Details |
|---|---|
| Loan Limit | Up to PKR 10 million (depending on income & property size) |
| Markup (Interest) Rate | Subsidized 2% – 8% (first 10 years) |
| Repayment Tenure | Up to 20 years (easy monthly installments) |
| Eligibility | Low & middle-income families, first-time buyers only |
| Equity Contribution | 10% by applicant, 90% financing by bank |
| Unit Size | House up to 5 Marla or flat up to 1,360 sq. ft. |
| Covered Options | Purchase of new house/apartment, construction on own land, or renovation |
| Participating Banks | Meezan Bank, HBFCL, SBP-supported commercial & Islamic banks |
| Processing Fee | None (no hidden charges) |
| Prepayment Penalty | None (you can pay early without extra cost) |
Mera Ghar Mera Ashiana Scheme 2025 Eligibility Criteria
Not all people are able to apply to this scheme. The government has established few eligibility requirements in order to ensure that benefit is only received by deserving families.
Who Can Apply?
- Must Be Pakistani Citizen (With Valid CNIC)
- Age limit: 25 to 60 years
- Monthly household income: PKR 25,000-150,000.
- Only first-time home buyers (you or your spouse must not already own a house or land).
- The property should be found in a permitted living society or region.
- It can be applied by both the salaried workers and the self-employed individuals.
- Widows, the differently-abled and government workers are given preference.
Who Cannot Apply?
- Pakistani nationals that are already the owners of a house or land.
- Applicants above the age of 60
- Families that earn more than the established income (PKR 150,000 per month).
- Real estates in unauthorized communities or irregular regions.
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Mera Ghar Mera Ashiana Scheme 2025 Documents required
The preparation of some basic documents is required to apply. These papers will be checked by the banks prior to the approval of your loan.
Required Documents List
- CNIC copy (Computerized National Identity Card).
- New passport-size photographs (2 4 pictures)
- Proof of income Salary slip (to salaried employees)
- Proof of business income / tax return (self-employed) Last 6 months bank statement.
- Documents of property (sale agreement, plot papers, or the ownership documents)
- Utility bill of present day residence (electricity/gas bill to verify addresses) Family (household, dependents, etc.) informat
Optional (if applicable)
- Widow certificate (widows on preference quota)
- Disability certificate (when applicant is a disabled person)
What is the significance of these documents?
- To validate identity and Pakistani nationality.
- To validate income level as a requirement.
- In order to make the property legal and authorized.
- To prevent fraud and make sure that you are a first time home buyer.
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Application Process of Mera Ghar Mera Ashiana Scheme 2025
The scheme has an easy application procedure. You can do it online or going to a bank branch / housing center.
Online Application Process
- Go to the official site of State Bank of Pakistan (SBP) or any of its partner banks ( Meezan Bank, HBFCL, and others ).
- Click to Mera Ghar Mera Ashiana Loan Scheme.
- Click on Apply Online.
- Fill out the form with: Personal Information (name, CNIC, address, family information).
- Income information (salary/business information) Property details (purchase information/building information) Add documents (CNIC, income proof, property papers, bank statement, photos) that are needed.
- Submit the form.
- Wait until bank verifies and approves.
- In the event of acceptance, the bank will call you and conclude the loaning and the repayment scheme.
Offline Application Process
- Go to the closest branch of the participating banks (Meezan bank, HBFCL, or any of the listed banks)
- Request Mera Ghar Mera Ashiana Scheme Application Form.
- Complete the form in writing and put all the documents (photocopies and original to check) inside the form.
- Turn in the application to the bank officer.
- The bank will handle your request and will inform you through SMS, email or phone call.
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Details of the Loan, Mark up rates and Repayment
Mera Ghar Mera Ashiana Scheme 2025 is meant to offer flexible and affordable financing solution. The loan details and repayment plan are as under.
| Feature | Mera Ghar Mera Ashiana Scheme | Regular Housing Loan |
|---|---|---|
| Loan Limit | Up to PKR 10 million | Usually PKR 2–5 million |
| Markup Rate | 2% – 8% (subsidized) | 12% – 16% (commercial rate) |
| Repayment Tenure | Up to 20 years | 10–15 years |
| Processing Fee | None | Applicable |
| Prepayment Penalty | None | Usually applicable |
| Eligibility | Low & middle-income families | High-income applicants only |
Frequently Asked Questions (FAQs)
1. Who can apply for the Mera Ghar Mera Ashiana Scheme 2025?
Any Pakistani citizen between 18–60 years, with a monthly household income within the low- or middle-income bracket, and who does not already own a house or land, can apply.
2. What is the maximum loan amount?
The scheme offers financing up to PKR 10 million, depending on income, property type, and bank assessment.
3. What is the markup rate?
The markup is subsidized between 2% and 8%, making it more affordable compared to regular housing loans.
4. Can the loan be used for construction on owned land?
Yes. The scheme covers purchase of new houses/apartments as well as construction or renovation on owned land.
5. Is there a processing fee or prepayment penalty?
No. The scheme is designed to be transparent with no hidden charges, no processing fees, and no prepayment penalty.
6. How can I apply online?
Applicants can apply online through the State Bank of Pakistan website or partner banks’ portals by filling the form, uploading documents, and submitting for verification.
7. Do salaried and self-employed individuals both qualify?
Yes. Both salaried workers and self-employed persons can apply, as long as they meet the income and documentation requirements.
8. Which banks are part of this scheme?
Banks like Meezan Bank, HBFCL, and other SBP-approved commercial banks are processing applications.
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Conclusion
Mera Ghar Mera Ashiana Scheme 2025 is the most significant housing project of Pakistani history. This program supported by the Government of Pakistan and the State Bank is providing thousands of low and middle-income families with an opportunity to own a home at long last.
It is very cheap since it is offered with painless installments, subsidized mark-ups, extended repayment terms and no extra costs. It is inclusive as well and it favours widows, the differently-abled and government employees.
This scheme gives the families who are finding it hard to keep up with the increasing rents and property costs a real chance to have a stable and secure future and be financially independent.
Assuming you fit their eligibility criteria, the sooner you apply the better chance you have to be approved. You should not pass this opportunity by — Mera Ghar Mera Ashiana Scheme 2025 has the potential to make your dream home come true.
