Mera Ghar Mera Ashiana Scheme 2025 – Affordable Housing for First-Time Buyers

The Mera Ghar Mera Ashiana Scheme 2025 is a new government-backed initiative designed to make homeownership affordable for low and middle-income families in Pakistan. For years, millions of Pakistanis have struggled to build or purchase a home due to high property prices and costly bank loans. This scheme changes that by providing subsidized loans, fixed interest rates, and easy installment plans for first-time buyers.

Whether you want to buy a 5-marla house, construct on your own plot, or purchase a flat up to 1,360 sq. ft, this program gives you the opportunity to turn your dream into reality. The scheme is especially beneficial for those who have never owned property before, helping them access long-term financing without heavy financial burden.

Key Features of the Scheme

• Target Group: First-time home buyers from low and middle-income families

• Property Size Limit: Up to 5 marla houses or flats not exceeding 1,360 sq. ft

• Loan Amount: Up to Rs. 3.5 million

• Fixed Interest Rates:

  • Tier 1: 5% on loans up to Rs. 2 million

  • Tier 2: 8% on loans up to Rs. 3.5 million

• Loan Tenure: Up to 20 years with subsidy for the first 10 years

• Equity Requirement: Only 10% of property value from the buyer

• No Hidden Charges: No processing fees or penalties for early repayment

Eligibility Criteria

To apply under Mera Ghar Mera Ashiana Scheme 2025, applicants must:

• Be a Pakistani citizen with a valid CNIC

• Not already own a house or apartment in Pakistan

• Provide proof of income and repayment ability

• Have clean property documents for purchase or construction

• Be within the loan size and property size limits

How to Apply

1. Check Eligibility – Ensure you meet all requirements.

2. Choose a Bank – Visit any participating commercial bank, Islamic bank, or microfinance bank.

3. Submit Application – Fill the housing finance form and attach documents (CNIC, proof of income, photos, property papers).

4. Bank Review – The bank verifies documents and checks repayment capacity.

5. Approval & Disbursement – Once approved, you’ll pay equity, and the loan is disbursed for your home.

Benefits for Citizens

• Enables affordable homeownership for families who could not buy property before

• Reduces rent dependency and provides financial stability

• Promotes eco-friendly housing through affordable units

• Boosts the construction sector and creates new jobs

Conclusion

The Mera Ghar Mera Ashiana Scheme 2025 is more than a housing loan—it’s a pathway for thousands of families to finally own a home. If you are a first-time buyer struggling with rising costs, this is the right time to prepare your documents and apply. With fixed rates, long tenures, and no hidden fees, the scheme is designed to secure your future and give you peace of mind.

FAQs

Who can apply for Mera Ghar Mera Ashiana Scheme?

Only Pakistani citizens who do not already own a house or flat are eligible.

What is the maximum loan amount available?

You can get up to Rs. 3.5 million under Tier 2 of the scheme.

Can I use the loan to construct on my own plot?

Yes, the scheme covers purchase of a new unit as well as construction on an owned plot.

How long can I repay the loan?

The maximum loan tenure is 20 years.

What are the fixed interest rates?

5% for loans up to Rs. 2 million and 8% for loans above Rs. 2 million up to Rs. 3.5 million.

Is there any processing fee?

No, banks are not allowed to charge any processing fee or penalty on early repayments.

Can women apply for this scheme?

Yes, women who meet the eligibility criteria are also encouraged to apply.