Mera Ghar Mera Ashiana Scheme 2025: Easy Way to Own Your Dream Home
Mera Ghar Mera Ashiana Scheme 2025: Easy Way to Own Your Dream Home
Updated on: October 8, 2025
Buying a home is a dream for every family in Pakistan, but rising property prices make it hard for many to afford. To solve this, the Government of Pakistan has launched the Mera Ghar Mera Ashiana Scheme 2025, an affordable housing finance program designed especially for low- and middle-income citizens. Through this initiative, people can get home loans up to PKR 6 million at low markup rates and flexible repayment terms.
Also Read: BISP 2025 October Payment Cluster Distribution
What is the Mera Ghar Mera Ashiana Scheme 2025?
The Mera Ghar Mera Ashiana Scheme 2025 is a government-supported housing program that offers subsidized home loans to eligible Pakistanis through commercial, Islamic, and microfinance banks. Its goal is to help families who don’t own property finally step into home ownership. It’s ideal for anyone who wants affordable housing finance, a long-term repayment plan, and government-backed financial security. The program also supports Pakistan’s construction industry by generating jobs and boosting related sectors.
Also Read: Punjab Electric Taxi Scheme 2025 Launch Date
Eligibility Criteria for Mera Ghar Mera Ashiana Scheme 2025
To qualify for the scheme, applicants must meet the following simple requirements:
Must be a Pakistani citizen with a valid CNIC
Must be a first-time homeowner
Should have a verifiable source of income
Must meet the bank’s credit and affordability criteria
The property should be within Pakistan and within the official size limit
Property Size Limitations: Houses up to 5 Marla | Apartments or flats up to 1,360 sq. ft.
Also Read: BISE Bahawalpur Board 11th Result
Loan Categories and Markup Rates
The scheme provides two main tiers of loans with fixed markup rates and long-term repayment options.
| Tier | Loan Range (PKR) | Fixed Markup Rate | Loan Tenure | Subsidy Period |
|---|---|---|---|---|
| Tier 1 | Up to 2,000,000 | 5% Fixed | Up to 20 Years | First 10 Years |
| Tier 2 | 2,000,001 – 3,500,000 | 8% Fixed | Up to 20 Years | First 10 Years |
| Tier 3 | 3,500,001 – 6,000,000 | 9% Fixed | Up to 20 Years | First 10 Years |
| Tier 4 | Custom Housing Loan | Market-Linked | 15 Years | N/A |
| Tier 5 | Special Subsidy Loans | 4% Fixed | 20 Years | 10 Years |
| Tier 6 | Apartment Financing | 7% Fixed | 20 Years | 10 Years |
| Tier 7 | Self-Construction Loans | 6% Fixed | 20 Years | 10 Years |
| Tier 8 | Women-Focused Housing Loans | 5% Fixed | 20 Years | 10 Years |
| Borrowers enjoy a fixed markup rate for the first 10 years, ensuring stable monthly payments and predictable financial planning. | ||||
| Also Read: PM Laptop Scheme 2025 Merit List |
How to Apply for Mera Ghar Mera Ashiana Scheme 2025
Applying for this housing scheme is straightforward and transparent.
Visit any participating bank branch or House Building Finance Corporation (HBFC) office.
Request the official Mera Ghar Mera Ashiana application form.
Fill in your personal, income, and property details carefully.
Attach documents like CNIC, income proof, property papers, and bank statements.
Submit a 10% down payment along with your form.
Wait for verification and approval from the bank.
Once approved, the bank directly releases the loan amount for home purchase or construction.
Also Read: Faisalabad Board 11th Class Result
Major Benefits of Mera Ghar Mera Ashiana Scheme 2025
This housing initiative brings several financial and social advantages: Loan amount up to PKR 6 million | Fixed markup rate for 10 years | Flexible repayment up to 20 years | 10% minimum down payment | No hidden charges or penalties | Government-backed risk coverage for banks | Boosts housing and construction employment. These features make it one of Pakistan’s best housing finance programs for first-time buyers.
Also Read: Pakistan Introduces New Pension Scheme
Participating Banks and Financial Institutions
You can apply through a wide range of banks offering this scheme: All Commercial Banks, Islamic Banks (Shariah-compliant housing finance), Microfinance Banks (MFBs), and House Building Finance Corporation (HBFC). Visit your nearest branch today to start your journey toward home ownership.
FAQs About Mera Ghar Mera Ashiana Scheme 2025
Q1: What is the maximum loan amount available? You can apply for a loan of up to PKR 6 million, based on your income and property size.
Q2: What is the markup rate under this scheme? The markup rate is 5% for Tier 1 and 8% for Tier 2, fixed for the first 10 years.
Q3: Can I apply for an apartment purchase? Yes, apartments up to 1,360 sq. ft. are fully eligible for financing.
Q4: Are there any hidden costs or processing fees? No, the scheme has no hidden fees or extra processing charges.
Q5: Can self-employed individuals apply? Yes, as long as they can provide verifiable proof of income, they are eligible.
Conclusion
The Mera Ghar Mera Ashiana Scheme 2025 is a golden opportunity for Pakistanis dreaming of home ownership. With low markup, long repayment options, and government-backed security, this initiative truly makes owning a home possible for everyone. Don’t wait—start your application today and secure your family’s future.
🔴 Read More
