Owning a home in Pakistan used to feel like a far-away dream for most salaried and small-business families. But since the State Bank of Pakistan launched the Mera Ghar Mera Ashiana Scheme on 24 September 2025, thousands of first-time buyers are finally turning that dream into reality with government-subsidized home loans as low as 5–8% markup.
Registration has already started across all major banks and there is no official closing date announced yet – which means you can still apply today and lock in the subsidy before funds run low. This complete 2025 guide covers everything: eligibility, step-by-step online & branch application, bank comparison, real success stories, and mistakes that get applications rejected.
Quick Eligibility Checker (Yes/No in 30 Seconds)
Answer these 6 questions honestly:
- Do you (or your spouse) already own any house/flat/plot in Pakistan? → No
- Is your monthly household income between PKR 20,000 – 150,000? → Yes
- Are you a Pakistani citizen with valid CNIC? → Yes
- Are you between 20–65 years old? → Yes
- Is the property you want ≤5 marla (house/plot) or ≤1,360 sq ft (flat)? → Yes
- Is the property in an approved housing society or legal area? → Yes
→ If you answered exactly like above, congratulations – you are 95% eligible for the Mera Ghar Mera Ashiana loan scheme!
What is Mera Ghar Mera Ashiana Scheme? (2025 vs Old Schemes)
This is NOT the old “Mera Pakistan Mera Ghar” (expired in 2022) or the Punjab-only “Apna Ghar” scheme. The new Mera Ghar Mera Ashiana (MGMA) is a federal, SBP-run markup subsidy + risk-sharing program launched in 2025.
Key differences in simple words:
- Old schemes had higher markup (9–12%) → New scheme gives 5–8% for first 10 years
- Old schemes stopped → New scheme is active nationwide right now
- Islamic (Shariah-compliant) options are widely available in 2025
You can use the loan to buy a ready house/flat, construct on your own plot, or even buy a plot + build later.
Complete Eligibility Criteria (2025 Rules)
| Requirement | Details You Need to Know |
| Citizenship | Pakistani with valid CNIC |
| First-time buyer | No house, flat, or plot in your or spouse’s name anywhere in Pakistan |
| Age | 20–65 years at the time of application |
| Minimum income | PKR 20,000–30,000 per month (salaried or business) |
| Maximum property size | House/plot ≤5 marla |
| Property type | Ready house, under-construction, plot purchase + construction, or renovation on owned plot |
Loan Amount, Markup Rates & EMI Examples (Bank-wise Comparison Table)
| Bank | Max Loan | Markup (First 10 yrs) | Approx EMI for PKR 25 Lac (20 yrs) | Best For |
| Meezan Bank | 35 lac | 5–7% | PKR 16,500–18,000 | Shariah-compliant |
| Bank Alfalah Islamic | 35 lac | 6–8% | PKR 17,000–19,000 | Fast processing |
| HBFCL | 30 lac | 5–8% | PKR 16,000–18,500 | Rural & smaller cities |
| Askari Bank | 35 lac | 6–8% | PKR 17,500 | Salaried individuals |
| NBP | 30 lac | 6–8% | PKR 17,000 | Renovation allowed |
| UBL | 35 lac | 6–8% | PKR 17,800 | Large branch network |
| Khushhali Microfinance | 20 lac | 7–8% | PKR 14,000–16,000 | Low-income & rural areas |
Step-by-Step Online Application
- Visit your chosen bank’s official MGMA page (links below)
- Click “Apply Now” or “Mera Ghar Mera Ashiana Registration Start” button
- Enter CNIC and mobile number → OTP verification
- Fill personal, income, and property details
- Upload scanned documents (see checklist below)
- Submit → You’ll get SMS + email acknowledgment within minutes
- Bank officer calls within 3–7 days for verification
Direct links:
→ Meezan Bank Easy Home MGMA
→ HBFCL Online Portal
→ NBP Mera Ghar Mera Ashiana Apply Online
Branch Application Process + Branch Locator Links
Prefer visiting a branch? Take original + photocopies of documents and walk into any participating branch. Ask for “Mera Ghar Mera Ashiana Scheme Form”. Processing is usually faster in smaller cities.
Documents Checklist
- CNIC (applicant + spouse)
- 2 passport-size photos
- Salary slips / business proof last 6 months
- Bank statement last 6–12 months
- Property documents (sale agreement, allotment letter, fard, etc.)
- Family Registration Certificate (FRC) or B-Form
Processing Time & Real User Experiences
Most banks are approving files in 15–35 days. Real stories from recent applicants:
- “Applied at Meezan Lahore on 10 Oct → amount disbursed 18 Nov” – Ahmed R.
- “Khushhali Bank in Rahim Yar Khan approved my 18 lac loan in just 22 days” – Fatima K.
Complete Guide: PSER Survey Registration
Common Rejection Reasons & How to Avoid Them
- Already own a plot/house (even inherited) → Transfer it first
- Income proof older than 6 months → Get fresh slips
- Property bigger than 5 marla → Choose smaller unit
- Using someone else’s income → Only applicant + spouse income counted
- Applying at non-participating bank → Stick to the list above
Mera Ghar Mera Ashiana + Benazir Mazdoor/Rehmatul-Lil-Aalameen Card Integration
If you have a Benazir Income Support card or Punjab’s Rehmatul-Lil-Aalameen card, some banks give priority processing and sometimes relaxed income proof. Mention your card number while applying.
Punjab Apna Ghar Scheme vs Mera Ghar Mera Ashiana – Which is Better in 2025?
| Feature | Punjab Apna Ghar | Federal Mera Ghar Mera Ashiana |
| Coverage | Only Punjab | Whole Pakistan |
| Markup rate | 6–9% | 5–8% |
| Max loan | Varies by district | Up to 35 lac nationwide |
| Islamic options | Limited | Available in most banks |
If you live outside Punjab → MGMA is clearly better.
Renovation & Extension on Existing House – Is It Allowed?
Yes! Many people don’t know: if you already own a plot but no proper house, you can take the loan for construction or major renovation (adding rooms, floors, etc.). NBP and HBFCL are most flexible for this.
Tax Benefits & Withholding Tax Exemption
Buyers under this scheme get relief from withholding tax (Section 236C & 236K) on property purchase – saving you lakhs in taxes.
Frequently Asked Questions
- When did Mera Ghar Mera Ashiana scheme registration start? → 24 September 2025
- Is there any last date to apply? → No official deadline yet
- Can I apply if I already have a car loan? → Yes, as long as total EMI stays under 50% of income
- Is the scheme only for urban areas? → No – rural areas also included
- Can overseas Pakistanis apply? → Yes, through Roshan Digital Account banks
Final Checklist Before You Submit
- Property size double-checked
- All documents attested
- Chosen the right bank for your area
- If you need more detail must visit our Govt Scheme Page
