Mera Ghar Mera Ashiana Scheme 2025 – Full Details
Owning a house is a big dream for many people in Pakistan. Due to high prices of land and construction, it is very hard for low- and middle-income families to buy or build a home. To solve this issue, the Government of Pakistan has started the Mera Ghar Mera Ashiana Scheme 2025. This scheme helps first-time home buyers by offering low-interest loans, small down payments, and long repayment time. This program is supported by the State Bank of Pakistan (SBP) and aims to provide affordable housing to families who are living in rented homes or cannot afford regular market loans.
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| Feature | Details |
| Loan Amount | Rs. 2 million to Rs. 3.5 million |
| Interest Rate | 5% for Tier 1, 8% for Tier 2 |
| Property Size Limit | Up to 5 Marla or 1,360 sq. ft. flat |
| Repayment Time | Up to 20 years with subsidy for 10 years |
Eligibility for Mera Ghar Mera Ashiana Scheme 2025
To apply for this scheme, the person must be a Pakistani citizen with a valid CNIC. This scheme is only for those who do not own any house or flat already. The government wants to help people who are buying or building a home for the first time. The applicant can apply to buy a flat, construct a house on owned land, or purchase a plot and build a house. These rules are made to stop misuse and ensure that the scheme helps the right people who truly need a house.
Property Size and Loan Limits in Mera Ghar Mera Ashiana Scheme
This scheme allows citizens to buy or build small and affordable houses. You can apply for:
- A house up to 5 Marla
- A flat up to 1,360 square feet
There are two loan types under the scheme:
- Tier 1: Up to Rs. 2 million loan with 5% fixed markup
- Tier 2: Loan from Rs. 2 million to Rs. 3.5 million with 8% fixed markup
These limits help people build or buy homes that are simple, affordable, and within their budget.
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Loan Tenure and Equity Ratio in Mera Ghar Mera Ashiana Scheme
The repayment time is very flexible in this scheme. Families can pay back the loan in up to 20 years. The government provides a markup subsidy for the first 10 years, which means you pay a lower amount every month. The bank gives 90% of the loan, and the person applying only has to pay 10% as down payment.
- You pay a small amount at the start.
- The rest is financed by the bank with easy monthly payments.
This 90:10 ratio helps families who do not have large savings but still want to buy their own home.
Where to Apply for Mera Ghar Mera Ashiana Scheme 2025
Applying for the loan is very easy. You can visit any commercial bank, Islamic bank, microfinance bank, or House Building Finance Company Limited (HBFCL). These banks will help you fill out the form and explain the documents required. You will need:
- CNIC (National ID card)
- Proof of income (salary slip or business records)
- Property documents (if already selected)
Once the bank checks your documents and finds you eligible, they will approve the loan. This process is made easy so more people can apply without trouble.
Advantages of the Mera Ghar Mera Ashiana Scheme 2025
There are many benefits of this home loan scheme. Some of the main ones are:
- Low fixed interest: 5% for Tier 1 and 8% for Tier 2
- Long repayment period: Up to 20 years
- No processing fees and no penalty for early repayment
- Risk coverage of 10% is provided by the government to banks
These features make the scheme safe and affordable for families. It also gives banks confidence to lend money to more people. For someone who has never owned a house before, this is the best opportunity in 2025 to become a homeowner.
Conclusion
In this article, we are sharing all the details about the Mera Ghar Mera Ashiana Scheme 2025. This housing loan program is specially made for people who do not already own a house. It offers low markup rates, long payment time, and only 10% down payment. You can apply through any major bank in Pakistan. The government also gives risk coverage to make it safe for banks and helpful for families. If you meet the requirements, do not wait — apply now and turn your dream of owning a home into reality.
FAQs
1. Can I apply if I want to build a house in a village area?
Yes, both urban and rural properties are allowed, as long as they follow the scheme’s rules for property size and value.
2. Do I need a guarantor to apply for the loan?
Most banks do not require a guarantor, but they will check your income and repayment ability before approval.
3. Can both husband and wife apply together?
Yes, joint applications are allowed if both meet the eligibility and income conditions set by the bank.
4. Is the markup rate the same for the whole 20 years?
No, the markup subsidy is given only for the first 10 years, after that banks may apply normal market rates unless further subsidy is announced.
