SBP Mera Ghar Mera Ashiana Scheme 2025 – Own Your Dream Home with Easy Monthly Payments

The State Bank of Pakistan (SBP) has launched the Mera Ghar Mera Ashiana Scheme Home Loan Scheme 2025, bringing great relief for Pakistan’s low- and middle-income citizens.

This program helps families build, buy, or expand their own homes through affordable financing, minimal markup rates, and flexible repayment plans — making the dream of homeownership finally achievable.

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What is the SBP Mera Ghar Mera Ashiana Scheme?

The Mera Ghar Mera Ashiana initiative is a government-backed housing finance program designed to assist first-time homebuyers in Pakistan.

Under this scheme, individuals can easily obtain low-interest loans for:

• Building a house on their own land
• Buying a ready-to-move home or apartment
• Expanding or renovating an existing house

This project supports the government’s vision of “Housing for All”, ensuring that working families have access to decent and affordable homes.

Key Features & Latest Updates (2025)

💡 Good News: Applications for 2025 are now open, and major banks across Pakistan are accepting registrations under the new markup subsidy program.

Eligibility Criteria – Who Can Apply?

To qualify for the Mera Ghar Mera Ashiana Home Loan 2025, applicants must:

• Be a Pakistani citizen with a valid CNIC
• Be a first-time homeowner (no other house in your name)
• Have a steady source of income (job or business)
• Ensure property size does not exceed 5 Marla or 1,360 sq. ft.
• Provide income proof, domicile, and property documents

✅ These requirements ensure the program supports genuine home seekers, not property investors.

How to Apply (Step-by-Step Guide)

1. Visit your nearest participating bank branch or apply via the SBP housing finance portal.
2. Fill out the loan application form (available online or in-branch).
3. Attach the following documents:
   • CNIC & recent photos
   • Proof of income or business documents
   • Domicile certificate
   • House/plot documents or approved map
4. Pay your 10% equity contribution.
5. Wait for bank verification and approval.
6. Once approved, funds are released under the Markup Subsidy Program.

💡 Tip: Apply early — processing and approvals take time, and quotas are limited.

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Registration Timeline

The official last date for registration of Mera Ghar Mera Ashiana Scheme hasn’t been announced yet, but applications are expected to remain open for 2–3 months after launch.

📢 Keep checking the SBP official website and your bank branch for real-time updates.

Benefits of the Mera Ghar Mera Ashiana Scheme 2025

This isn’t just a home loan — it’s a social empowerment program helping families achieve long-term stability.

Key Advantages:

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• 🏡 Low markup rates and affordable monthly installments
• 🕓 Long repayment tenure (up to 20 years)
• 💵 Government-backed risk sharing
• 🧱 Boosts construction and job creation
• 👨‍👩‍👧 Empowers middle-class families to own their first home

⚠️ Important Points to Remember

Before applying, keep these in mind:

• Banks will evaluate your income and credit history.
• Property must be legally approved by local authorities.
• Stay updated about policy changes or new subsidy tiers.
• Keep all documents valid and current to avoid rejection.

☎️ Helpline & Support

For queries or assistance:
📞 Helpline: Visit your nearest participating bank branch
🌐 Official Website: www.sbp.org.pk
🏦 Participating Banks: HBL, UBL, Meezan, Alfalah, BOP, HBFCL

Final Thoughts

The SBP Mera Ghar Mera Ashiana Scheme 2025 is a golden opportunity for Pakistan’s working families to own their first home without financial strain.

With low markup, long repayment options, and government subsidies, it’s one of the most impactful housing programs launched in recent years.

If you’re renting or dreaming of building your home — now is the perfect time to apply and make your dream come true.

Frequently Asked Questions (FAQs)

1. Who can apply for the Mera Ghar Mera Ashiana Scheme 2025?

Any Pakistani citizen who does not already own a house and meets the income requirements.

2. What is the maximum loan amount available?

You can apply for loans between Rs. 2 million and Rs. 3.5 million depending on property size and income.

3. What is the loan tenure?

Repayment can be made over a period of up to 20 years.

4. What is the markup rate?

The markup is highly subsidized, with the government covering a portion for the first 10 years.

5. Can I use this loan for house renovation?

Yes, you can apply for expansion or renovation under the scheme.

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