Today's Big News: Mera Ghar Mera Ashiana Scheme 2025 – Eligibility, Loan Limits & All Details

The Mera Ghar Mera Ashiana Scheme 2025 is one of the most important housing finance programs launched by the Government of Pakistan. It is designed to help low-income and middle-class families in Pakistan who cannot buy or build their own house due to high costs. Through this scheme, citizens can get home loans with small down payments, low fixed interest rates, and very long repayment tenures. The aim is to provide affordable housing in Pakistan and turn the dream of home ownership into reality for thousands of families who currently struggle with rent.

Feature	Details
Eligibility	Pakistani citizens without an existing house
Loan Tenure	Maximum of 20 years with subsidy for first 10 years
Loan Amount	Rs. 2M – Rs. 3.5M based on tiers
Down Payment	Only 10% contribution required
Property Size	Up to 5 Marla house or 1,360 sq. ft. flat
Loan Tiers	Tier 1 up to Rs. 2M (5%), Tier 2 up to Rs. 3.5M (8%)
Risk Coverage	10% coverage provided by Government of Pakistan

Eligibility for Mera Ghar Mera Ashiana Scheme 2025

To apply for the Mera Ghar Mera Ashiana housing scheme 2025, applicants must be Pakistani citizens with a valid CNIC. This scheme is only for first-time buyers, so those who already own a house are not eligible. The main target is families who want to buy a flat, build a house on their existing land, or purchase a plot with construction. These requirements ensure that the scheme reaches the people who truly need affordable homes. The government has made eligibility rules clear to stop misuse and make sure deserving families in Pakistan benefit.

Property Size and Loan Limits in Mera Ghar Mera Ashiana Scheme 2025

The Mera Ghar Mera Ashiana Scheme 2025 sets practical limits to make housing affordable. Houses up to 5 Marla are allowed, while flats or apartments can be up to 1,360 square feet. For loans, there are two categories. In Tier 1, citizens can borrow up to Rs. 2 million with a fixed markup of 5%. In Tier 2, loans range between Rs. 2 million and Rs. 3.5 million with a fixed markup of 8%. These loan limits and sizes ensure that the scheme is realistic and suitable for low-cost housing projects in Pakistan.

Loan Tenure and Equity Contribution under Mera Ghar Mera Ashiana Scheme 2025

The repayment period under this housing program is very flexible. Families can repay their loan in up to 20 years, making monthly installments more manageable. For the first 10 years, the government provides subsidies that reduce the financial load even further. The equity requirement is only 10%, while banks provide 90% of the financing. This 90:10 ratio is far more supportive than private market loans.

Borrowers pay a small amount at the start as down payment.
The bank covers the rest of the amount with easy repayment terms.

Where to Apply for Mera Ghar Mera Ashiana Scheme 2025

Applying for the Mera Ghar Mera Ashiana housing finance scheme is simple. Applicants can approach commercial banks, Islamic banks, microfinance banks, and House Building Finance Company Limited (HBFCL). By visiting a nearby branch, filling out the form, and submitting documents like CNIC, income proof, and property details, families can start the process.

Available in both commercial and Islamic banks across Pakistan.
Microfinance banks and HBFCL also included for wider reach.

This simple and accessible process makes it easy for people across Pakistan to apply for affordable home loans.

Benefits of Mera Ghar Mera Ashiana Scheme 2025

There are many benefits of the Mera Ghar Mera Ashiana Scheme 2025. The fixed loan rates of 5% for Tier 1 and 8% for Tier 2 are far lower than market rates. Families do not need to pay processing fees, and there are no penalties for early repayments. Another big benefit is that the government provides 10% risk coverage for banks, encouraging them to lend without hesitation. This makes home ownership not only possible but also safe for borrowers. For first-time home buyers in Pakistan, this scheme is the most affordable option available in 2025.

Final Thoughts on Mera Ghar Mera Ashiana Scheme 2025

The Mera Ghar Mera Ashiana Scheme 2025 is a golden opportunity for families who want to own a home in Pakistan. It combines small down payments, low fixed interest rates, long-term repayment options, and government subsidies. The scheme is backed by major banks and offers risk coverage that builds trust. In this article, we are sharing all the details about eligibility, property size, loan tiers, benefits, and application methods. Families who do not already own a home should not miss this chance and apply now to fulfill their dream of owning property.

FAQs – Mera Ghar Mera Ashiana Scheme 2025

Q1: Can students apply for the Mera Ghar Mera Ashiana Scheme 2025?
Students alone cannot apply, but if they have a co-applicant like parents or guardians with income proof, they can benefit from the scheme.

Q2: Is there any special relaxation for widows or orphans?
Yes, many banks give priority and easier terms for widows and orphans under this scheme to support vulnerable groups.

Q3: Can applicants choose between fixed and floating rates?
No, the scheme provides only fixed rates of 5% and 8% to keep it affordable and stable for all applicants.

Q4: Are rural properties also covered in Mera Ghar Mera Ashiana Scheme 2025?
Yes, both urban and rural properties are covered, as long as the property size and loan limits follow the scheme’s rules.