Mera Ghar Mera Pakistan Housing Scheme is a government-based home financing scheme offering a 2 million to 3.5 million rupees home loan for 5 Marla houses to 1360 feet flats. You can get a home loan for a 20-year repayment time, for building a new house, or renovating an existing one. The scheme was officially launched in September 2025, currently open for applications in October for all Pakistani citizens with a valid NADRA CNIC.
Applicants can apply via any commercial or Islamic bank. Mera Ghar Mera Ashiana is open for all business or salaried individuals with a stable source of income. This scheme allows low to middle-class buyers to have their home built at a very affordable and flexible price.
Salient Features of Mera Ghar Mera Ashiana 2025
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. Under this housing scheme, you can buy or build:
- 5 Marla House
- 1360 Square Feet Flat or Apartment
- Or renovate an existing house
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
Application Process
Once you have these documents, visit the commercial or Islamic bank near you and fill out the ‘Mera Ghar Mera Ashiana’ scheme form with accurate information. Confirming the documents, income proof, domicile, and other documents, the bank will proceed with your request.
You will get the approval done after a duration of 2 to 3 months, approximately (exact approval timeline is not shared by the government yet).
Mera Ghar Mera Ashiana Home Loan Amount
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 |
Eligibility Criteria for Mera Ghar Mera Ashiana Scheme
The eligibility criteria for the Mera Ghar Mera Ashiana Scheme have been shared by the government. So in order to apply for it, you must:
- 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
- Do not own a house or flat in your name (to buy a new one)
- Your bank account should have at least 10% of the total loan amount (As surplus)
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 Scheme Home Loan
Almost all the commercial and Islamic banks are authorized to register applications for the Mera Ghar Ashiana Housing Scheme, so you can apply via any of them, as feasible or nearest to you. The 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
Final Thoughts
Mera Ghar Mera Ashiana is surely a great step by the Government to ensure safe and reliable housing. All kinds of buyers, whether low-income or middle-income, can easily apply for this via any nearby bank. The application eligibility and process have also been kept very simple to accommodate the maximum number of actually deserving individuals or families.
Feel free to contact Dastak and details guidance regarding the Mera Ghar Mera Ashiana Scheme.
