Owning a home is a dream of every Pakistani family, but increasing land and construction costs make it very difficult for low and middle-income groups. To solve this issue, the Government of Pakistan with the support of the State Bank of Pakistan (SBP) has started the Mera Ghar Mera Ashiana Loan Scheme 2025. This scheme is specially made for first-time homeowners who want to buy or build their house. With low markup, easy repayment, and small down payment, it provides real hope for families to finally have their own safe and secure home.
| Feature | Detail |
|---|---|
| Loan Type | Buy or build a house |
| Markup Rate | 5% or 8% fixed |
| Loan Tenure | Up to 20 years |
| Down Payment | Only 10% |
Eligibility for Mera Ghar Mera Ashiana Loan Scheme 2025
To apply for this scheme, some simple conditions must be fulfilled. The applicant must be a Pakistani citizen with a valid CNIC. Most importantly, the person should not already own any house, flat, or property. This facility is only for first-time homeowners. Along with this, the applicant should be able to show proof of income, such as salary slips or business records, so that the bank can check repayment ability. In this way, only genuine people with real need and repayment capacity can benefit from this loan.
Loan Details in Mera Ghar Mera Ashiana Loan Scheme 2025
The loan is offered in two categories.
- Tier 1 (T1): Up to PKR 2 million with 5% fixed markup.
- Tier 2 (T2): Above PKR 2 million and up to PKR 3.5 million with 8% fixed markup.
Families can use this loan for different purposes. They can buy a ready-made house or flat, construct a house on their own plot, or purchase a plot and build on it. This flexibility makes the scheme suitable for people with different housing needs, whether small or medium.
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Unit Size in Mera Ghar Mera Ashiana Loan Scheme 2025
The government has kept this scheme focused on affordable housing by setting size limits. For a house, the size should not be more than 5 Marla. For flats or apartments, the covered area should not be above 1,360 square feet. These limits ensure that the scheme benefits low and middle-income families instead of people interested in luxury properties. With this rule, the scheme remains fair, practical, and directly helpful to families who are struggling to arrange their first home.
Benefits of Mera Ghar Mera Ashiana Loan Scheme 2025
There are many attractive benefits in this scheme which make it special for first-time buyers.
- Affordable markup of only 5% and 8%, much lower than normal loans.
- Long repayment period of up to 20 years to reduce monthly burden.
- Small down payment of just 10% so families with little savings can apply.
- No processing charges and no penalty for early repayment.
Another big advantage is that the government provides risk coverage to banks. This protection encourages banks to give more loans without fear of loss, and as a result, more families across the country get access to housing finance.
Application Process for Mera Ghar Mera Ashiana Loan Scheme 2025
The application process is very simple and easy to follow. A person has to visit a nearby branch of a participating bank, which could be a commercial bank, Islamic bank, microfinance bank, or HBFCL. The form for Mera Ghar Mera Ashiana Loan Scheme 2025 is available at the branch.
- Fill out the application form with correct information.
- Attach CNIC copy, salary slips or business proof.
- Submit property documents if you are buying or constructing.
- Bank will check your eligibility and approve the loan.
Once the loan is approved, the family can start paying installments as per plan. The long repayment time makes the monthly amount easy to manage compared to high house rents.
Importance of Mera Ghar Mera Ashiana Loan Scheme 2025
Housing is a basic need, but due to high prices, many families are unable to buy a home. This scheme directly addresses that issue by providing low markup, long repayment years, and low down payment. It especially helps families who live in rented houses because often rent is higher than the installment of this scheme. In 2025, with the growing population and rapid urbanization, Mera Ghar Mera Ashiana Loan Scheme 2025 is one of the most important initiatives of the government to provide relief to common people.
Conclusion
In this article, we are sharing all the details of the Mera Ghar Mera Ashiana Loan Scheme 2025. This scheme is designed for first-time homeowners with simple rules, low markup, and easy repayment methods. With participation from almost all banks, it is accessible for people all over Pakistan. If you are planning to buy or build your first home, this scheme gives you the best opportunity to achieve that dream with government support and affordable financing.
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FAQs about Mera Ghar Mera Ashiana Loan Scheme 2025
Q1. Can a widow or single woman apply for this loan?
Yes, widows or single women can apply if they meet eligibility conditions and provide income proof.
Q2. Is this loan also available for government employees?
Yes, both government and private employees can apply as long as they fulfill the requirements.
Q3. What type of documents are needed for business owners?
Business owners can provide tax returns, business records, or bank statements as proof of income.
Q4. Can I apply for this scheme if I already have a loan from the bank?
Yes, you can apply if you do not own any house, but the bank will check your repayment capacity before approval.
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