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Mera Ghar Mera Ashiana Scheme 2025
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The Government of Pakistan and the State Bank of Pakistan have launched the Mera Ghar Mera Ashiana Scheme. This program is made for families who don’t own a house and want to buy or build one. The government gives them loans with low markups and long repayment time. The aim of this initiative is to make owning a home easier.
Eligibility for Mera Ghar Mera Ashiana Loan Scheme
To apply, you need to meet the following Mera Ghar Mera Ashiana loan scheme eligibility rules:
- You must be a Pakistani citizen with a valid CNIC.
- Only first-time homeowners can apply.
- House size should be up to 5 marla.
- Flat size should be up to 1,360 sq. ft.
You can check the full Mera Ghar Mera Ashiana loan scheme details from the bank before applying.
Financial Features of the Scheme
Mera Ghar Mera Ashiana scheme 2025 gives loans in two parts:
- Tier 1 loan: Up to PKR 2 million (markup 5%).
- Tier 2 loan: From PKR 2 million to PKR 3.5 million (markup 8%).
- Time to repay: Up to 20 years. The first 10 years have a government subsidy.
- Loan-to-value ratio: 90% paid by the bank, 10% by the applicant.
- No processing fees.
- No penalty for early repayment.
- The government shares the risk with banks.
Mera Ghar Mera Ashiana Loan Scheme Apply Online
The government has made the Mera Ghar Mera Ashiana loan scheme apply online process easy. You need to follow these steps to apply:
- Visit any HBFCL, or commercial or Islamic bank.
- Give your CNIC, income proof, and property papers.
- The bank will check if your property value and if you are eligible.
- After approval, financing will be released.
You can also find the Mera Ghar Mera Ashiana loan scheme apply online option through official portals and participating bank websites.
Why Choose Mera Ghar Mera Ashiana Loan Scheme?
Mera Ghar Mera Ashiana loan scheme details show these benefits:
- Helps families buy or build their first home.
- Affordable repayment due to government support.
- No hidden charges.
- Supports Pakistan’s construction and allied industries.
- Reduces housing shortage in the country.
FAQs – Mera Ghar Mera Ashiana Loan Scheme
How can I apply online?
Fill the form on the official government portal or a partner bank website. Then attach documents and submit.
What are the benefits of this scheme?
It gives low markup rate and up to 20 years for installments repayment. There are no extra charges either.
How much loan can I get from this scheme?
You can get up to PKR 2 million in Tier 1 and up to PKR 3.5 million in Tier 2.
Can someone who owns a house apply?
No, only people who don’t own a house can apply.
Where can I get more details about the scheme?
You can get details from the State Bank of Pakistan website or from your nearest partner bank.