The SBP Mera Ghar Mera Ashiana Loan Scheme 2025 is a major step by the State Bank of Pakistan to make housing affordable for low- and middle-income families. With property prices rising every year, buying or building a house has become a dream that feels out of reach for many. This scheme helps people who do not own any property by offering low markup housing finance, government subsidy, and easy installments. For those who always wanted to live in their own home, this program is truly a golden chance.
Why This Mera Ghar Mera Ashiana Scheme Matters
In Pakistan, many families are struggling with high rents and expensive plots. The SBP loan scheme reduces this burden by offering fixed interest rates and a repayment time of up to 20 years. Unlike regular housing loans, this scheme ensures you do not pay hidden charges or penalties. It has been specially designed for first-time homeowners who have never owned a house or flat before.
Mera Ghar Mera Ashiana Scheme Criteria and Loan Details
| Requirement | Details |
| Citizenship | Must be a Pakistani with valid CNIC |
| First-Time Ownership | Applicant should not own any house or flat |
| Housing Options | Purchase of house/flat, construction on own plot, or buy plot + build house |
| Unit Size | House up to 5 Marla / Flat up to 1360 sq. ft. |
Mera Ghar Mera Ashiana Loan Tiers, Markup & Tenor
| Tier | Loan Size | Markup Rate | Repayment Time |
| Tier 1 (T1) | Up to PKR 2 Million | 5% Fixed | Up to 20 Years |
| Tier 2 (T2) | PKR 2M – 3.5M | 8% Fixed | Up to 20 Years |
Benefits of Mera Ghar Mera Ashiana Scheme 2025
- Affordable monthly installments with low markup.
- Up to 90% financing from banks, while you pay only 10% equity.
- Wide participation from commercial banks, Islamic banks, microfinance banks, and HBFCL.
- Strong risk coverage by the government to encourage lending.
- No hidden charges, no early payment penalty.
This means if your house costs PKR 2 million, you just need PKR 200,000 upfront, and the bank will finance the rest.
How to Apply for Mera Ghar Mera Ashiana Scheme
Applying for the loan is simple:
- Visit any participating bank (commercial, Islamic, MFB, or HBFCL).
- Fill the housing finance form.
- Attach CNIC, income proof, property papers, and photographs.
- The bank will check your eligibility under the scheme.
- Once approved, the loan will be released for your housing plan.
Final Thoughts
The Mera Ghar Mera Ashiana Loan Scheme 2025 is more than just a loan, it is a social step towards giving Pakistanis dignity and security. With government backing, lower interest rates, and flexible repayment options, thousands of families will finally be able to call a house their own. For anyone tired of paying rent and dreaming of home ownership, this scheme is a lifeline.