The State Bank of Pakistan (SBP) has launched the “Mera Ghar Mera Ashiana Scheme 2025”, aimed at providing affordable housing loans to low and middle-income families across Pakistan. This initiative is part of the government’s vision to promote home ownership and support citizens in fulfilling their dream of owning a house. State Bank of Pakistan Mera Ghar – Mera Ashiana Markup Subsidy And Risk Sharing Scheme For Affordable Housing Finance.
Apply online for the Mera Ghar – Mera Ashiana Loan Scheme 2025 at www.sbp.org.pk before 15 October 2025 for affordable home loans.
SBP Loan Mera Ghar Mera Ashiana Scheme 2025 Online Apply Last Date
The SBP Mera Ghar Mera Ashiana Loan Scheme 2025 helps low- and middle-income Pakistani families buy or build their first home. With subsidized markup rates, flexible repayment up to 20 years, and loans from PKR 2–3.5 million, the scheme makes homeownership affordable. First-time homeowners can apply online or at participating banks without hidden charges, enjoying government support and easy monthly installments.
Mera Ghar Mera Ashiana Loan Scheme 2025 Online Apply
| Title | SBP Loan Mera Ghar Mera Ashiana Scheme 2025 Online Apply Last Date |
| Last Date | 15 October 2025 |
| Online Apply | Click Here |
| Official Website | www.sbp.org.pk |
| Posted By | Pectaa.pk |
Payment Plan Mera Ghar Mera Ashiana Scheme
The Mera Ghar Mera Ashiana Scheme 2025 allows first-time homeowners in Pakistan to apply online through the official portal or participating banks, including Meezan Bank, by filling out the application form.
MPMG Scheme 2025 Last Date
Citizens can check the payment plan and other scheme details, and complete the online application easily. To know how to apply, interested individuals can use the Mera Pakistan Mera Ghar Online Apply facility and secure affordable housing under this government initiative.
Apna Ashiyana Scheme Online Apply
- Affordable Housing Loans: Financial support for families to construct or purchase homes.
- Low-Interest Rates: Loans are offered at subsidized rates to make home ownership accessible.
- Flexible Tenure: Loan repayment schedules are designed to suit the financial capacity of the borrower.
- Eligibility for All Provinces: Citizens from all regions of Pakistan can apply.
Eligibility Criteria Mera Ghar Mera Ashiana Scheme
To apply for the Mera Ghar Mera Ashiana SBP Loan 2025, applicants must:
- Be a Pakistani citizen with a valid CNIC.
- Be between 18–65 years of age.
- Belong to a low or middle-income group.
- Not own a house in their name (for first-time homeowners).
- Have a regular income source to repay the loan.
Www.sbp.org.pk Mera Ghar Mera Ashiana Scheme
| پیرامیٹر | تفصیل |
|---|---|
| اہلیت | پہلی بار گھر خریدنے والے، پاکستان کے شہری جن کے پاس CNIC ہو، اور جو پہلے سے کوئی گھر یا فلیٹ کے مالک نہ ہوں |
| حدود | گھر/فلیٹ خریدنا، موجودہ پلاٹ پر گھر تعمیر کرنا، یا پلاٹ خرید کر گھر تعمیر کرنا |
| گھریلو یونٹ کا سائز | گھر: 5 مرلہ تک، فلیٹ/اپارٹمنٹ: 1,360 مربع فٹ تک |
| شریک مالیاتی ادارے | تمام کمرشل بینک، اسلامی بینک، مائیکروفنانس بینک، HBFCL |
| زیادہ سے زیادہ قرض کی رقم | ٹیر 1: 2 ملین روپے تک، ٹیر 2: 2–3.5 ملین روپے |
| زیادہ سے زیادہ قرض کی مدت | 20 سال تک (پہلے 10 سال کے لیے حکومت کی سبسڈی) |
| بینک پر قیمت | ایک سال کا KIBOR + 3% |
| صارف کی قیمت | ٹیر 1: 5%، ٹیر 2: 8% |
| بینک چارجز | کوئی پراسیسنگ فیس نہیں، قبل از وقت ادائیگی پر جرمانہ نہیں |
| لون ٹو ویلیو (LTV) تناسب | 90% قرض، 10% حصہ خود درخواست گزار |
| رسک کوریج | پہلے نقصان کی بنیاد پر پورٹ فولیو کا 10% حکومت کی طرف سے کور کیا گیا |
How to Apply Mera Ghar Mera Ashiana Scheme
- Visit the nearest SBP-approved bank or their official website.
- Fill out the loan application form for the Mera Ghar Mera Ashiana Scheme 2025.
- Submit the required documents, including:
- CNIC of applicant and spouse (if applicable)
- Proof of income (salary slip or business documents)
- Land ownership documents (if constructing a new house)
- Passport-size photographs
- Bank officials will assess your eligibility and loan amount based on income and requirements.
Loan Amount And Terms Mera Ghar Mera Ashiana Scheme
- Loan amounts vary depending on the type of house (plot or construction).
- Repayment period can range from 5 to 20 years, depending on the bank and applicant’s profile.
- Loans are provided with low markup rates, making it affordable for first-time homeowners.
Benefits of the Mera Ghar Mera Ashiana Scheme
- Helps low and middle-income families own a home.
- Promotes financial inclusion by providing loans through SBP-approved banks.
- Transparent and regulated process monitored by the State Bank of Pakistan.
- Supports the government’s mission of “Housing for All” in Pakistan.
Contact & Support Mera Ghar Mera Ashiana Scheme
For more information or assistance:
📞 Contact Number: Available at SBP or participating banks
🌐 Website: www.sbp.org.pk
📧 Email: info@sbp.org.pk
Mera Ghar Mera Ashiana Scheme 2025 Last Date
The Mera Ghar Mera Ashiana Scheme 2025 is a golden opportunity for low and middle-income families to achieve their dream of home ownership. With affordable SBP loans, flexible repayment plans, and transparent procedures, this scheme ensures that owning a house is no longer out of reach for deserving citizens. Interested individuals are encouraged to apply early through SBP-approved banks or their official portal.
| Parameter | Details |
| Eligibility Criteria | First-time homeowners, Pakistani citizens holding valid CNIC, not owning any house or flat |
| Scope | Purchase a house/flat, construct a house on already owned plot, or buy a plot and construct a house |
| Housing Unit Size | House: up to 5 Marla, Flat/Apartment: up to 1,360 sq. ft. |
| Participating Financial Institutions (PFIs) | All commercial banks, Islamic banks, microfinance banks (MFBs), and HBFCL |
| Maximum Loan Size | Tier 1 (T1): up to PKR 2.0 Million, Tier 2 (T2): PKR 2.0–3.5 Million |
| Maximum Loan Tenor | Up to 20 years (with government subsidy for first 10 years) |
| Bank Pricing | One-Year KIBOR + 3% |
| Customer/End-User Pricing | Tier 1: 5%, Tier 2: 8% |
| Bank Charges | No processing fee, no prepayment penalty |
| Loan-to-Value (LTV) Ratio | 90% loan, 10% equity by applicant |
| Risk Coverage | Government covers 10% of outstanding portfolio on first-loss basis |
SBP Mera Ghar Mera Ashiana Scheme 2025 FAQs
- Can financing be used to purchase a plot?
Yes, loans can be used to buy a plot. - Can subsidy be claimed during construction?
Yes, subsidy applies on disbursed amount and counts toward the 10-year subsidy period. - Can incomplete or grey-structure houses be financed?
Yes, if funds are required to make the house livable. - How to establish first-time homeownership?
Applicant must not own any house or flat. - Is financing allowed for expansion/extension of existing houses?
Yes, subject to first-time homeownership rules. - Can the loan be used for renovation?
No, only for purchase, construction, or plot + construction. - Are bank staff eligible?
Eligibility varies; check with respective HR policies. Bank staff may co-borrow if allowed. - Co-borrowers & income:
Multiple co-borrowers allowed; their income can be clubbed. - Can co-borrower own a house?
No, only first-time homeowners qualify. - Can subsidized units be sold/rented?
No, the unit must remain owner-occupied during the subsidy period. - Tier 1 vs Tier 2:
T1: Up to PKR 2 Million (5% markup)
T2: PKR 2–3.5 Million (8% markup) - Housing unit size:
House: up to 5 Marla | Flat/Apartment: up to 1,360 sq. ft. - Loan-to-Value (LTV) ratio:
90% loan, 10% applicant equity. - Bank charges & prepayment:
No processing fee, no prepayment penalty. - Loan tenor:
5–20 years depending on applicant choice; subsidy applies for first 10 years. - NRPs eligible?
Yes, as main applicant or co-applicant, subject to rules. - Maximum income or agricultural land ownership restrictions?
Check scheme rules; applicants with agricultural land may apply if other eligibility criteria met. - KIBOR for pricing/subsidy:
One-Year KIBOR + 3%; spread is fixed per Tier. - Facility termination:
Loan can be prepaid anytime; no minimum lock-in period. - Additional documents:
Banks may request extra documents beyond PBA checklist if required.
