Mera Ghar Mera Ashiana Scheme 2025
Mera Ghar Mera Ashiana Scheme 2025: The Government of Pakistan has announced the Mera Ghar Mera Ashiana Housing Scheme 2025 in collaboration with the State Bank of Pakistan. This initiative has been introduced to support first-time home buyers by offering low-interest loans between 2 million and 3.5 million rupees with flexible repayment terms.
The scheme focuses on affordable housing finance, ensuring that citizens from low and middle-income backgrounds can fulfill the dream of owning their first home. With government subsidies and risk-sharing mechanisms, this program is designed to reduce financial pressure on borrowers and encourage banks to lend more confidently.
Eligibility Criteria
To apply for the program, applicants must meet a few simple conditions. The goal is to make sure that only genuine first-time homeowners can benefit from this initiative.
Main requirements include:
- Applicant must be a Pakistani citizen with a valid CNIC
- Only first-time home buyers are eligible
- Applicants should not own any house or flat in their name
This eligibility ensures that the scheme supports those who need it most, preventing misuse by property investors or existing homeowners.
Housing Options Under the Scheme
The Mera Ghar Mera Ashiana program provides flexibility by covering different housing options. Citizens can choose depending on their needs and financial situation.
The loan can be used for:
- Purchasing a house or flat
- Constructing a house on an already owned plot
- Purchasing a plot and then constructing a house on it
This flexibility ensures that both individuals who already own land and those starting fresh can take advantage of the program.
Size Limit of Housing Units
To keep the scheme focused on affordable and modest housing, limits have been set on the property size. These restrictions ensure that subsidies are directed towards middle and lower-income groups.
- Houses up to 5 Marla are covered under the program
- Flats or apartments up to 1360 square feet are eligible
By placing these size restrictions, the government ensures that the scheme is not misused for luxury or large-scale properties.
Also Read: Maryam Nawaz Himmat Card Registration Process Eligibility, and Payment Information
Loan Amounts and Tiers
The scheme is divided into two tiers based on the loan size, making it easier for different income groups to access financing. The repayment period has also been designed to keep installments manageable for borrowers.
| Tier | Loan Size | Fixed Markup for Customer | Maximum Tenure |
|---|---|---|---|
| T1 | Up to PKR 2.0 million | 5% | 20 years |
| T2 | Above PKR 2.0 million and up to PKR 3.5 million | 8% | 20 years |
The government provides a markup subsidy for the first 10 years, ensuring affordable installments during the initial repayment period.
Also Read: Ehsaas Emergency Program For Flood Relief New Update 2025
Loan to Value Ratio and Charges
The financial structure of the scheme reduces the burden on borrowers by requiring only a small contribution from them while the bank provides the majority of the financing.
Highlights of this feature include:
- Loan to Value Ratio set at 90:10 (90% loan from bank and 10% equity from customer)
- No processing charges for loan applications
- No prepayment penalties if the borrower pays earlier
These measures make the loan more affordable and customer-friendly, giving applicants confidence to proceed without hidden charges.
Participating Banks and Risk Sharing
To make the scheme accessible across Pakistan, all major financial institutions are included. This wide network ensures applicants can approach their nearest bank with ease.
- Commercial banks
- Islamic banks
- Microfinance banks
- House Building Finance Company (HBFCL)
Additionally, the government provides 10% risk coverage on the outstanding portfolio on a first-loss basis. This mechanism encourages banks to finance more applications without fearing losses.
Also Read: Double Payment of 27,000 for Women Who Missed Previous BISP Installment
Why You Should Apply
The Mera Ghar Mera Ashiana Housing Scheme 2025 is a golden opportunity for first-time home buyers. With low markup rates, long repayment periods, and no hidden charges, it is one of the most attractive housing finance schemes in recent years.
By providing financial relief and flexible options for buying or constructing a house, the program allows families to finally move into homes they can call their own. If you meet the eligibility criteria, this is the right time to apply and make your dream of home ownership a reality.
Final Words
The Mera Ghar Mera Ashiana Housing Scheme 2025 is a significant step by the Government of Pakistan to make home ownership possible for first-time buyers. With low markup rates, easy loan options, and long repayment periods, it creates real opportunities for families who have been unable to afford a house.
By offering risk coverage for banks and eliminating extra charges for applicants, the program builds trust and accessibility. If you meet the eligibility criteria, this is the right time to apply and turn your dream of owning a home into reality.
Also Read: File Complaints About Non-Receipt of Payment From BISP Through the Form
FAQS
What is the Mera Ghar Mera Ashiana Housing Scheme 2025?
It is a housing finance program launched by the Government of Pakistan with the State Bank to help first-time buyers get affordable loans.
Who can apply for this scheme?
Any Pakistani citizen with a valid CNIC who does not already own a house or flat can apply.
What loan amount is available under the scheme?
Loans range from 2 million to 3.5 million rupees, divided into two tiers with fixed low interest rates.
What properties are eligible for financing?
Houses up to 5 Marla and flats up to 1360 square feet can be purchased or constructed under the scheme.
Which banks are offering this scheme?
All commercial banks, Islamic banks, microfinance banks, and HBFCL are participating in this program.