The Government of Pakistan has introduced the Mera Ghar Mera Ashiana Scheme 2025 to help low and middle-income citizens buy or build their first home with easy financing options.

Mera Ghar Mera Ashiana Scheme offers subsidized home loans with low markup rates and flexible repayment terms. It targets first-time homebuyers and provides financial support through participating banks and housing finance companies to make owning a home affordable and simple.

This scheme is open to all Pakistani citizens holding a valid CNIC who do not currently own a house in their name. Whether you want to buy a new home, purchase a plot and build on it, or construct a house on your own land, Mera Ghar Mera Ashiana makes it easier by offering loans up to PKR 3.5 million with low interest rates and long repayment periods.

Eligibility Criteria

Criteria	Details
Citizenship	Pakistani citizens with valid CNIC
First-time Homeowner	Must not own any housing property in own name
Age Limit	Salaried: 21-60 years (at loan maturity)
	Self-employed: 25-70 years (at loan maturity)
Minimum Income	Typically Rs. 25,000+ monthly (varies by bank)
Employment History	Salaried: Min 1-4 years (varies)
Loan to Value Ratio (LTV)	90% loan, 10% equity

Loan Details

Parameter	Tier 1 (Up to PKR 2 million)	Tier 2 (Above PKR 2 million up to PKR 3.5 million)
Maximum Loan Amount	PKR 2,000,000	PKR 3,500,000
Markup Rate (Interest)	5% Fixed (for first 10 years)	8% Fixed (for first 10 years)
Loan Tenure	Up to 20 years	Up to 20 years
Processing Fee	No processing cost	No processing cost
Prepayment Penalty	None	None

What Can You Use the Loan For?

Purchase of a house or flat (house size up to 5 Marla, or apartment/flat up to 1360 sq. ft.)
Construction of a house on an owned plot
Purchase of a plot and construction of a house

Documents Required

Copy of a valid CNIC
Proof of income (salary slips, bank statements)
Employment certificate or business proof for self-employed
Ownership or tenancy documents for the plot (if constructing)
Passport-sized photographs

How to Apply Online

Visit the website or branch of participating banks such as Khushhali Bank, Meezan Bank, ABL, or Faysal Bank offering the scheme.
Fill out the application form online or at the branch.
Submit required documents.
After approval, sign the loan agreement and proceed with loan disbursement.
Use the loan amount for house purchase or construction as per the scheme rules.

Summary Table

Feature	Details
Eligibility	First-time homeowners, Pakistani citizens
Loan Amount	Up to PKR 3.5 million
Interest Rate	5% or 8%, fixed for first 10 years
Maximum Loan Term	20 years
No Processing Fee	Yes
No Prepayment Penalty	Yes
Application Mode	Online via banks or direct branch application
Property Size Limits	House up to 5 Marla or apartment up to 1360 sq ft.

The Mera Ghar Mera Ashiana Scheme 2025 offers a great chance for first-time homebuyers to easily buy or build their dream home with financial support from the government and banks. Interested applicants should check with their preferred bank to start the application process as early as possible.