Mera Ghar Mera Ashiana Scheme details: SBP Launch Housing Scheme for First Time Home Buyers

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  • Published September 26, 2025

State Bank of Pakistan has launched Mera Ghar Mera Ashiana a housing loan scheme to support low and middle-income groups in the country. The program provides long-term financing, where the government subsidizes first-time buyers to own or construct their own homes.

Mera Ghar Mera Ashiana Scheme Details

According to the State Bank of Pakistan, the Mera Ghar Mera Ashiana scheme details show that first-time home buyers can get loans between Rs. 2 million and Rs. 3.5 million with a repayment period of up to 20 years. A subsidy will be given on the loan for the first 10 years. Borrowers will not have to pay any processing fee or prepayment penalty.

Loan Amount and Interest Rates

Under the Mera Ghar Mera Ashiana scheme, applicants can secure financing of up to Rs. 2 million at a 5% interest rate, while loans from Rs. 2 million to Rs. 3.5 million will carry an 8% interest rate. The financing can be used to buy a house of up to 5 marla, purchase a flat or apartment of up to 120 square yards (1,360 sq ft), construct a house on a plot, or buy a plot for future construction.

Eligibility Criteria and Application Process

The Mera Ghar Mera Ashiana scheme details require that the applicant must be a Pakistani citizen, purchasing a home for the first time, and must not own any residential property. All conventional and Islamic banks, microfinance banks, and the House Building Finance Corporation (HBFC) will provide the financing.

How to Apply for Mera Ghar Mera Ashiana Online

The Mera Pakistan Mera Ghar online apply option will be available through participating banks, where eligible citizens can complete the process to Mera Ghar Mera Ashiana apply online. Applicants need to submit the required documents and meet the scheme’s eligibility conditions to get approval.

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