Mera Ghar Mera Ashiana Scheme 2025 – Eligibility, Loan Limits & Complete Details
The Government of Pakistan, in collaboration with the State Bank of Pakistan (SBP), has launched the Mera Ghar Mera Ashiana Scheme 2025 to make housing more affordable for low- and middle-income families. This subsidized housing finance program allows citizens to purchase or construct homes with low-interest loans, long repayment tenures, and minimal equity requirements.
If you are planning to buy your first home or build one on your own land, this scheme could be your best opportunity in 2025.
Key Features of Mera Ghar Mera Ashiana Scheme 2025
📌 Here are the main highlights of the scheme:
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Eligibility: Only Pakistani citizens with a valid CNIC who do not already own a house can apply.
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Property Type:
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Purchase of a house or flat.
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Construction of a house on an existing plot.
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Purchase of a plot and construction of a house.
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Size Limitations:
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Houses up to 5 Marla.
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Flats/Apartments up to 1,360 square feet.
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Loan Tenure: Up to 20 years, with subsidies available for the first 10 years.
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Equity Contribution: Loan-to-Value ratio fixed at 90:10, meaning 90% financing from the bank and only 10% from the borrower.
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No Hidden Charges: No processing fees and no prepayment penalties.
Loan Tiers & Financing Limits
The scheme is divided into two tiers with different loan limits and customer pricing:
| Tier | Loan Amount | Customer Pricing | Bank Pricing |
|---|---|---|---|
| Tier 1 | Up to Rs. 2 million | 5% (fixed) | 1-Year KIBOR + 3% |
| Tier 2 | Rs. 2 million – Rs. 3.5 million | 8% (fixed) | 1-Year KIBOR + 3% |
👉 Subsidy will apply for the first 10 years, making home ownership much more affordable.
Risk Coverage Under the Scheme
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The government provides 10% risk coverage on the outstanding portfolio on a first-loss basis.
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This ensures banks remain motivated to lend while protecting low-income borrowers.
Who Can Apply for Mera Ghar Mera Ashiana Scheme 2025?
To be eligible, applicants must:
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Be a Pakistani citizen with a valid CNIC.
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Not already own a house in their name.
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Be seeking financing for a house, flat, or apartment within the specified limits.
Where to Apply?
The scheme is accessible through multiple financial institutions:
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Commercial banks.
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Islamic banks.
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Microfinance banks (MFBs).
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House Building Finance Company Limited (HBFCL).
Applicants can directly approach their nearest branch of these banks to apply under the scheme.
Also Read: Punjab E Taxi Scheme Registration Portal 2025 – Apply Online Now
Benefits of Mera Ghar Mera Ashiana Scheme 2025
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Affordable Housing – Makes home ownership possible for middle- and lower-income groups.
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Subsidized Pricing – Only 5% fixed for Tier 1 and 8% for Tier 2.
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Long-Term Tenure – Repayment spread over 20 years, easing the monthly burden.
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Low Equity Requirement – Only 10% down payment needed.
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No Hidden Costs – No processing charges or prepayment penalties.
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Government Risk Coverage – Added security for both banks and borrowers.
Final Thoughts
The Mera Ghar Mera Ashiana Scheme 2025 is a game-changer for affordable housing in Pakistan. By offering long-term loans, low fixed rates, and easy eligibility, the government aims to make home ownership a reality for thousands of families who previously could not afford it.
If you don’t already own a house and dream of having your own home, now is the time to apply and secure your future under this scheme.
FAQs – Mera Ghar Mera Ashiana Scheme 2025
Q1: Who is eligible for the scheme?
➡️ Pakistani citizens with a valid CNIC who do not already own a house.
Q2: What is the maximum loan amount under the scheme?
➡️ Up to Rs. 3.5 million depending on the tier.
Q3: What is the loan tenure?
➡️ Up to 20 years, with subsidies available for the first 10 years.
Q4: What is the required down payment?
➡️ Only 10% of the property value.
Q5: Can I apply through Islamic banks?
➡️ Yes, the scheme is available through commercial banks, Islamic banks, MFBs, and HBFCL.
