Latest Update: SBP Mera Ghar Mera Aashiyana Program Online Registration in 2025
Finding a home is a big dream for many people in Pakistan. With high prices of houses and plots, it is difficult for low- and middle-income families to build or buy their own home. To help these families, the government has started the SBA Mera Ghar Mera Aashiyana Program 2025. This program is controlled by the State Bank of Pakistan (SBP). It offers easy home loans with low markup rates and long repayment time. In this article, we explain the latest updates, who can apply, how to apply, and what benefits you can get from this scheme.
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| Key Feature | Description |
| Loan Amount | Up to 3.5 million PKR |
| Markup Rate | 5% to 8% fixed |
| Property Size Limit | House up to 5 Marla / Flat 1360 sq. ft. |
| Loan Period | Up to 20 years |
Eligibility for SBA Mera Ghar Mera Aashiyana Program 2025
This housing scheme is only for first-time home buyers. It means you should not already own any house, plot, or flat in your name. The program is for people who are citizens of Pakistan and have a valid CNIC. You must also prove that you have enough income to return the loan in the future. If you want to build or buy your first home, this scheme is perfect for you. The bank will check your income and documents before giving the loan.
Loan Scope and Usage in SBA Mera Ghar Mera Aashiyana Program
The scheme gives loans for different housing needs. You can apply for a loan in these three cases:
● Buying a complete house or flat ready to live in.
● Building a house on your own plot.
● Buying a plot and building a house on it.
This means you can choose what you need—either to buy a house, build one, or do both together. The scheme gives full support for all these options so families can use the loan easily in any situation.
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Markup Rates and Loan Tiers in Mera Ghar Mera Aashiyana Scheme
One of the best things about this program is the low and fixed markup rate. The scheme is divided into two parts:
● Tier 1: For loans up to PKR 2 million, the markup rate is 5% fixed.
● Tier 2: For loans above PKR 2 million up to PKR 3.5 million, the markup is 8% fixed.
Normally, banks charge much higher rates. But because of this scheme, the government is paying part of the markup as a subsidy, so families can afford the loan without stress.
How to Apply Online for SBA Mera Ghar Mera Aashiyana Program
To apply for this housing loan scheme, follow these steps:
- Visit the nearest bank branch that is part of the scheme.
- Ask for the loan application form for Mera Ghar Mera Aashiyana Program.
- Fill the form and provide required documents like:
○ CNIC
○ Salary slip or income proof
○ Property documents (if you have land or are buying a house)
- The bank will check if you are eligible.
- After approval, you will get the loan based on your income and loan tier.
This simple process allows you to apply for a home loan without extra difficulty.
Loan Terms, Payment, and Other Benefits of the Aashiyana Scheme
This scheme offers many easy and helpful terms for the public:
● Loan Time: You can repay the loan in up to 20 years, which means small monthly payments.
● Down Payment: You only need to pay 10% of the property value. The bank pays the remaining 90%.
● No Hidden Charges: There are no processing fees or penalties for paying the loan early.
These benefits make the loan much easier for families who could not afford home loans before. It also helps you avoid high rent payments because monthly loan payments are often lower than rent.
Banks Involved and Role of SBP in Mera Ghar Mera Aashiyana Scheme
Almost all commercial banks, Islamic banks, microfinance banks, and House Building Finance Corporation (HBFCL) are taking part in this scheme. You can apply at any of these banks. The State Bank of Pakistan (SBP) is leading the project and making sure that:
● Banks follow the rules
● No one misuses the scheme
● People get loans on time
● Awareness is spread across the country
With full government support and monitoring by SBP, this housing program has become very strong and safe for both banks and the public.
Conclusion
In this article, we are sharing all the details about the SBA Mera Ghar Mera Aashiyana Program Online Registration in 2025. This housing loan scheme is specially designed for low- and middle-income families who want to buy or build their first home. It offers low markup rates (5% or 8%), a long repayment period (up to 20 years), and small down payments (10%). You can apply through any major bank near you. If you are eligible, this is the right time to take advantage of this opportunity and turn your dream of owning a home into reality.
FAQs
1. Can I apply online without visiting the bank branch?
No, the application must be done by visiting the nearest participating bank branch with your documents.
2. What if my salary is paid in cash and not through a bank?
You will need to show income proof such as business records or written salary confirmation from your employer.
3. Are widows or senior citizens allowed to apply?
Yes, if they meet the income and eligibility requirements, they can apply like anyone else.
4. Can I apply for both house and plot under this scheme?
Yes, you can apply for buying a plot and building a house on it, under one application.
