SBP Mera Ghar Mera Ashiana Loan Scheme 2025 – Online Apply & Eligibility Criteria (Full Guide)
The Mera Ghar Mera Ashiana Loan Scheme 2025 is more than just a loan – it is a government-supported opportunity to help Pakistani families fulfill their dream of home ownership. To make this dream possible, the State Bank of Pakistan (SBP) along with the Government of Pakistan has introduced the Mera Ghar Mera Ashiana Loan Scheme.
This program is designed especially for first-time home buyers who want to purchase a house, build on their own plot, or buy a plot and construct a house. The biggest advantage of this scheme is that the markup (interest) is heavily subsidized, repayment time is long, and there are no hidden bank charges.
In this article, you will find the complete details of the scheme, including eligibility criteria, benefits, required documents, loan limits, and the online registration process. By the end of this guide, you will clearly know how to apply for this scheme in 2025.
What is the SBP Mera Ghar Mera Ashiana Loan Scheme?
The Mera Ghar Mera Ashiana scheme is a Markup Subsidy and Risk Sharing Housing Finance program launched to promote affordable housing in Pakistan. Under this scheme, banks and microfinance institutions provide housing loans at much lower fixed rates compared to market loans.
Main Objectives
- To make home ownership affordable for low and middle-income families
- To provide loans with government subsidy on markup
- To ensure transparency and fair distribution of housing loans
- To support first-time home buyers in Pakistan
Eligibility Criteria for Housing Loan 2025
To apply for the loan, you must meet the following conditions:
WhatsApp Channel- Must be a Pakistani citizen with a valid CNIC
- Must be a first-time homeowner (no house in your or your spouse’s name)
- Can apply for:
- Purchase of house/flat
- Construction on owned plot
- Purchase of plot and construction
- Maximum property size allowed:
- House up to 5 Marla
- Apartment up to 1360 sq. ft.
- Age limit: 20 to 55 years at the time of loan application
Loan Size and Tenure Details
| Tier | Loan Size Limit | Customer Fixed Pricing | Loan Tenure |
| T1 | Up to PKR 2.0 Million | 5% fixed rate | Up to 20 years (subsidy for 10 years) |
| T2 | Above PKR 2.0m up to 3.5m | 8% fixed rate | Up to 20 years (subsidy for 10 years) |
Benefits of the Mera Ghar Mera Ashiana Housing Scheme
- Low Markup Rate: Only 5% for Tier 1 and 8% for Tier 2
- No Hidden Charges: No processing fee or prepayment penalty
- Flexible Repayment: Loan tenure up to 20 years
- High Loan-to-Value Ratio: 90% loan, only 10% equity contribution
- Risk Coverage: 10% of the outstanding portfolio covered by the government
Required Documents for Registration
Applicants will need to provide the following documents at the time of applying:
- Valid CNIC (applicant and spouse if applicable)
- Two passport-size photographs
- Proof of income (salary slip, business statement, or bank statement)
- Utility bill (electricity/gas for address verification)
- Property documents (sale agreement, plot papers, etc.)
Quick Comparison – Normal Housing Loan vs Mera Ghar Mera Ashiana
| Feature | Normal Housing Loan | Mera Ghar Mera Ashiana |
| Markup Rate | 15% to 20% | 5% (T1) / 8% (T2) |
| Processing Charges | Yes | None |
| Prepayment Penalty | Yes | None |
| Loan Tenure | 5 to 10 years | Up to 20 years |
| Risk Coverage | None | 10% covered by Govt |
How to Apply Online for the Loan Scheme
- Visit the official websites of participating banks (NBP, HBL, UBL, Meezan, etc.).
- Look for the Mera Ghar Mera Ashiana Loan Application Form.
- Fill in your personal details, CNIC, income, and property information.
- Upload required documents or submit them at your nearest branch.
- Wait for verification and approval from the bank.
- Once approved, your loan will be disbursed as per agreement.
Key Features of the Loan Scheme
| Parameter | Details |
| Maximum Loan Tenure | 20 years |
| Markup Rate | 5% (T1) and 8% (T2) |
| Property Size Limit | 5 Marla house / 1360 sq. ft. flat |
| Loan-to-Value Ratio (LTV) | 90% loan, 10% equity |
| Participating Institutions | All banks, Islamic banks, HBFCL, MFBs |
Participating Banks and Institutions
Almost all commercial banks, Islamic banks, Microfinance Banks (MFBs), and House Building Finance Company Limited (HBFCL) are part of this scheme. Applicants can apply from the bank of their choice, which increases accessibility.
Conclusion
The SBP Mera Ghar Mera Ashiana Loan Scheme 2025 is a golden chance for low and middle-income families who have been dreaming of their own house. With easy repayment, low markup, and no hidden charges, it is the most affordable housing loan option in Pakistan.
Frequently Asked Questions
Who can apply for Mera Ghar Mera Ashiana Loan Scheme?
Only first-time homeowners with a valid CNIC and no house in their name.
What is the maximum loan size?
Up to PKR 2 million in Tier 1 and PKR 3.5 million in Tier 2.
What is the markup rate?
5% fixed for T1 loans and 8% fixed for T2 loans.
What property size is allowed?
House up to 5 Marla or apartment up to 1360 sq. ft.
Which banks are participating?
All commercial banks, Islamic banks, MFBs, and HBFCL.
