Mera Ghar Mera Ashiana Scheme December 2025

Stay updated with the Mera Ghar Mera Ashiana Scheme. Explore essential financial knowledge and government-supported schemes detailed here. Bring you accurate and easy-to-understand stuff that helps you stay informed about it. Also, find every detail on relief cards, green credit programs, and other specialized assistance schemes in one place.

While looking into all the details about the government’s biggest push for affordable housing, the Mera Ghar Mera Ashiana scheme is the real deal right now. They've rebranded it slightly, so you’ll see banks calling it things like Easy Home Mera Ghar Mera Ashiana, but the core benefit remains, which is getting a house at an incredibly low fixed rate for 10 years. Forget the constant rent hikes; this might be your moment.

Mera Ghar Mera Ashiana Loan Limits and Fixed Rates

Here’s what I found after checking the latest State Bank of Pakistan updates for late 2025. This scheme is only for your first home, so if you own a house already, this isn't for you.

• Tier 1 (The Small Dream): This is for a house up to 5 Marla (or a flat up to 1,360 sq. ft.). You can get up to PKR 2.0 Million in financing. The best part is, your fixed rate for the first 10 years is just 5%. That is a game-changer!
• Tier 2 (The Bigger Dream): Still up to 5 Marla, but for a higher price. The loan limit goes up to PKR 3.5 million. The fixed rate is slightly higher, at 8% for the first 10 years.

You only need to arrange 10% down payment and the bank finances the remaining 90%. Plus, there is no processing fee and no prepayment penalty. The government wants you to pay it off early if you can!

Mera Ghar Mera Ashiana Scheme Online Apply—What You Need to Know

I often get asked where to find the centralized online form. However, there is no single SBP website for the final application. The application process runs entirely through the banks!

• Pick a Bank: Go to any major commercial or Islamic bank (HBL, Meezan, HBFC, etc.) that offers the Easy Home Mera Ghar Mera Ashiana product.
• Submit Paperwork: You need your CNIC, income proof (salary slip or business bank statements), and an official declaration that this is your first home.

Simply visit a bank branch and tell them you want to apply for the Mera Ghar Mera Ashiana scheme. That’s the fastest way to get your file moving and lock in that fixed rate!

FAQ’s

Can I use the Mera Ghar Mera Ashiana scheme to buy a plot?

Yes, you can. The scheme allows financing for three purposes: purchasing a ready-made house/flat, constructing a house on a plot you already own, or buying a plot and then constructing a house on it. This flexibility helps first-time homeowners utilize the low 5% or 8% rates.

What happens to my interest rate after the first 10 years?

After the 10-year subsidy period ends, the interest (or profit) rate becomes variable. The standard bank rate is generally set at 1-Year KIBOR plus 3% (as per SBP guidelines). This means the rate will fluctuate based on the market, but the first decade is fixed and fully protected.

Is the Easy Home Mera Ghar Mera Ashiana scheme only for salaried people?

No, absolutely not. The financing can be applied by both the salaried (with formal employment evidence) as well as the self employed businessmen/professional. The most important is that they must present the stable and verifiable income records by means of salary slips or bank statements to fulfill the minimum income requirement.

What is the maximum loan repayment period under the scheme?

The Mera Ghar Mera Ashiana scheme has a maximum tenor of 20 years. The markup subsidy of the first 10 years of that period is provided by the government and your first installment is low and affordable. Long tenor assists in lessening the financial load at the time.