Mera Ghar Mera Ashiana Scheme 2025 – Affordable Housing Loans in Pakistan - ShopTime.pk

Mera Ghar Mera Ashiana: Owning a house is the dream of every Pakistani family, but rising property prices and high rents have made it nearly impossible for many. To solve this challenge, the Government of Pakistan has launched the Mera Ghar Mera Ashiana Scheme 2025 — a landmark initiative offering low-interest housing loans to first-time homebuyers.

This scheme is designed to empower low and middle-income families by making homeownership accessible through subsidized loans, flexible repayment plans, and government-backed support.

What is Mera Ghar Mera Ashiana Scheme 2025?

The scheme provides affordable housing finance to Pakistani citizens who do not already own a home. Under this initiative, eligible families can apply for loans to buy or build houses, apartments, or small plots with easy installments spread over up to 20 years.

Loan Amounts & Markup Rates

One of the most attractive features of the scheme is its low markup rates, far below market prices:

Tier-1 Loan: Up to PKR 2 million at 5% fixed markup
Tier-2 Loan: Between PKR 2 million – PKR 3.5 million at 8% fixed markup
Tenure: Maximum 20 years with government subsidy for the first 10 years

This makes buying or constructing a house much easier for middle-class families struggling with inflation.

Who Can Apply? (Eligibility Criteria)

To ensure that the scheme benefits deserving families, the eligibility rules are straightforward:

Must be a Pakistani citizen with a valid CNIC
First-time homebuyer (should not own any other property)
Can apply for houses up to 5 marla or flats/apartments up to 1,360 sq. ft.
Must provide proof of income and repayment capacity

How to Apply for Mera Ghar Mera Ashiana

Applying for the scheme is simple and hassle-free:

Visit any participating bank (Commercial Banks, Islamic Banks, Microfinance Banks, or HBFC).
Fill out the loan application form provided by the bank.
Submit required documents (CNIC, income proof, property details).
Bank evaluates eligibility and forwards to the State Bank for subsidy approval.
Once approved, you get your loan and can start building or buying your home.

💡 Tip: The scheme operates on a 90:10 loan-to-value ratio — meaning you pay 10% equity and the bank finances 90%.

Benefits of Mera Ghar Mera Ashiana Scheme

Here’s why the scheme is a game-changer for Pakistan’s housing sector:

Low markup rates (5% & 8%) compared to market rates of 15–20%
No processing fee and no prepayment penalty
Government shares risk with banks, encouraging them to lend more
Empowerment of middle-class and low-income families
Boost to the construction industry and job creation

Why This Scheme Matters for Pakistan

Pakistan faces a housing shortage of nearly 10 million units. By making homes affordable, the Mera Ghar Mera Ashiana Scheme not only provides shelter but also strengthens the economy through construction growth, job creation, and financial inclusion.

For the first time, many families will be able to shift from renting homes to owning their dream house.

Conclusion

The Mera Ghar Mera Ashiana Scheme 2025 is more than just a loan program — it is a pathway to financial security and stability for thousands of families. If you are a first-time homebuyer, this is the best chance to turn your dream into reality.

👉 Visit your nearest bank today and apply before it’s too late. With 5% markup, no hidden fees, and government support, your home is now within your reach.