Mera Ghar Mera Ashiana housing scheme by the Punjab Government and State Bank of Pakistan is a great step towards building safe and affordable housing for Pakistani citizens. As per the property prices in Pakistan, which are already skyrocketing with every passing day, this scheme is definitely a huge relief for all kinds of buyers.
Table of Contents
What is Mera Ghar Mera Ashiana Scheme?
Mera Ghar Mera Ashiana Housing Scheme is a government-based home financing scheme offering a 2 million to 3.5 million rupees home loan for low to middle-class buyers have their home built at a very affordable and flexible price. From 5 Marla houses to 1360 feet flats, you can avail a loan for building a new house or renovating an existing one with a repayment time of 20 years.
According to initial government announcements, the scheme has been open for applications since October 2025 for all Pakistani citizens with a valid NADRA CNIC. Also, as per the State Bank of Pakistan (SBP) housing finance guidelines, applicants can apply via any commercial or Islamic bank.
Under this housing scheme, you can buy or build:
- 5 Marla House
- 1360 Square Feet Flat or Apartment
- Or renovate an existing house
Loan Amount & Financing Tiers Explained
Under the Mera Ghar Mera Ashiana Housing Scheme 2025, the amount of loan provided by the government via the SBP has been divided into the following two categories:
| Tier | Loan Amount (PKR) |
| Tier 1 | 3,500,000 |
| Tier 2 | 2,000,000 |
Note: Loan terms, markup rates, and eligibility may vary by bank and are subject to SBP and provincial government policies.
Interest Rate & Repayment Tenure
Under the Mera Ghar Mera Ashiana Scheme, applicants can repay the loan over a maximum tenure of up to 20 years. As for the interest/markup rate, it is not fixed by the government and varies from bank to bank based on the SBP housing finance guidelines.
Also, no officially confirmed markup subsidy has been announced for this scheme, and it is government-facilitated rather than fully government-guaranteed, with final loan approval handled by participating banks.
Monthly Installment Calculator (Examples)
Monthly installments under the Mera Ghar Mera Ashiana Scheme depend on the loan amount, markup rate, and repayment period, as the loan is usually offered on a variable rate basis.
For example, for a PKR 2 million loan, the monthly installment may start from around PKR 20,000, while a PKR 3.5 million loan may start from approximately PKR 35,000 on a 20-year tenure.
The exact installment amount is calculated by the bank at the time of approval.
Mera Ghar Mera Ashiana Eligibility Criteria: Who Should Apply & Who Shouldn’t?
To apply for the Mera Ghar Mera Ashiana Scheme, you must meet the following eligibility requirements:
- Be a Pakistani citizen with a valid NADRA CNIC
- You have a stable income source, either a job or a business, along with documentary proof or a salary slip
- Be a first-time home buyer (should not already own a house or flat in your name for a new purchase)
- Your bank account should have at least 10% of the total loan amount (as a surplus)
- Fall within the eligible age limit, usually 21 to 65 years at loan maturity
Who Can Apply for Mera Ghar Mera Ashiana Scheme?
- Salaried individuals
- Business owners and freelancers can apply for mera ghar mera ashiana scheme with income documentation
- Government employees can also apply for mera ghar mera ashiana scheme with income documentation
- Women applicants (individually or jointly)
Who Can’t Apply for Mera Ghar Mera Ashiana Scheme?
- Individuals with no verifiable income
- Applicants already owning residential property (for new purchase cases)
- Those unable to arrange the 10% upfront amount
- Applicants with poor banking or credit history
Required Documents
To apply for the Mera Ghar Mera Ashiana Housing scheme, you need to visit the nearest commercial or Islamic bank along with the following documents:
- Copy of your NADRA CNIC
- Proof of income
- Bank statement or savings proof showing at least 10 percent of the loan amount
- Domicile certificate
- For renovation purposes, you need to have home ownership documents
Mera Ghar Mera Ashiana Step-by-Step Application Process
- Prepare your documents, including CNIC, income proof, bank statement, and required property or domicile documents.
- Visit a participating commercial or Islamic bank and request the Mera Ghar Mera Ashiana application form.
- Fill out the form carefully and submit it along with all required documents.
- The bank verifies your income, documents, and eligibility under SBP housing finance guidelines.
- If approved, the loan processing and approval may take around 2 to 3 months
Mera Ghar Mera Ashiana Scheme Registration and Online Applications
Registration for the Mera Ghar Mera Ashiana housing scheme has been open since October 2025. However, online applications are not available yet, although you can visit the respective bank (commercial or Islamic) to get you through the registration. The applications are open for 2 to 3 months, while the loan approval timeline has not been shared by the Punjab Government yet.
Banks Offering Mera Ghar Mera Ashiana Loans
All the commercial and Islamic banks are authorized to register applications for the Mera Ghar Ashiana Housing Scheme.
Major banks that can process your home loan applications under the Mera Ghar Mera Ashiana scheme are listed below:
- Meezan Bank
- Bank Islami
- Habib Bank Limited
- National Bank of Pakistan
- United Bank Limited
- Allied Bank
Renovation vs New Construction Loan
For renovation loans, you need home ownership documents, while new construction loans require proof of income and CNIC. Loan amounts and processing may vary slightly between banks.
Pros & Cons of Mera Ghar Mera Ashiana Scheme
| Pros | Cons |
| Government-backed financing and credibility | Markup rate might not be uniform |
| A long 20-year tenure reduces the monthly burden | The approval process can take months |
| Islamic banking options available | Limited loan amount vs market prices |
| Helps first-time home buyers | Documentation can be strict for freelancers |
| The renovation option includes | Property eligibility restrictions |
| Long tenure (20 years) | – |
Frequently Asked Questions (FAQs)
Is Mera Ghar Mera Ashiana interest-free?
It is interest-free, but banks may charge a markup based on SBP guidelines.
Can overseas Pakistanis apply for Mera Ghar Mera Ashiana Scheme?
No, currently the scheme is only open to residents of Pakistan with a valid CNIC.
Can women apply independently?
Yes, women can independently or jointly apply for mera ghar mera ashiana housing scheme.
How long does approval take?
After the mera ghar mera ashiana house loan applications, approval can take up to 2 to 3 months.
Final Verdict – Is This Scheme Worth It?
Mera Ghar Mera Ashiana is surely a great step by the Government in providing low-income housing loan Pakistan. All kinds of buyers, whether low-income or middle-income, can easily apply for this via any nearby bank. For official updates, applicants should consult authorized banks or refer to SBP housing finance notifications.
6 thoughts on “Mera Ghar Mera Ashiana Scheme 2025 – Complete Guide”
How can apply for Mera ghr Mera ashiyana scheme
Great post. I was checking constantly this blog and I’m impressed!
Very useful information particularly the remaining phase :
) I maintain such info much. I used to be looking for this particular information for a
long time. Thank you and best of luck.
If some one wishes expert view about blogging after that i recommend him/her to pay
a quick visit this blog, Keep up the good job.
How can apply for Mera ghr Mera ashiyana scheme
Hi, I would like to ask , if this scheme is only for urban areas or rural areas are also included?
When we approach one of the banks in our city Bannu KPK they told us that they will not finance our construction project if it is more then 1 km away from city limits. Can you confirm this information or just the bank officials are making lame excuses
Hi, I would like to ask , if this scheme is only for urban areas or rural areas are also included?
When we approach one of the banks in our city Bannu KPK they told us that they will not finance our construction project if it is more then 1 km away from city limits. Can you confirm this information or just the bank officials are making lame excuses. Are there any such limitations?