The Mera Ghar Mera Ashiana Scheme 2025 is a new affordable housing initiative introduced by the Government of Pakistan through the State Bank of Pakistan (SBP). You can buy or build a house up to 5 Marla or a flat up to 1,360 square feet, for up to 3.5 Million Rupees, with a loan period of 20 Years and only 10% own contribution. All Pakistani citizens with an official NADRA CNIC can apply for the Mera Ghar Mera Ashiana Housing scheme 2025.
Any Pakistani who does not already own a house can apply for this loan through commercial or Islamic banks. This offers a home loan with a low markup and a long period of 20 years to pay back. This means you can slowly pay your installments like rent and still become the owner of your house in the end.
The scheme is designed especially for affordable homes for middle and low-income families who want to buy or build their own home for the first time.
Who Can Apply for the Mera Ghar Mera Ashiana Scheme?
Mera Ghar Mera Ashiana 2025 housing scheme is for first-time homeowners, and you can apply if:
- You do not already own any house or flat in your name
- You want to buy a new house or a flat
- You already have a plot and now want to construct your house
- You want to renovate your existing house (must be in your ownership)
Mera Ghar Mera Ashiana Loan Size and Limits
Under the Mera Ghar Mera Pakistan Scheme, there are two main categories of loans: Tier 1 (T1) and Tier 2 (T2). You can buy or build a 5-marla house or a flat up to 1,360 square feet. Anything bigger than this is not allowed under this scheme because it is meant for affordable homes, not luxury ones.
Mera Ghar Mera Ashiana Tier 1
The maximum loan amount in Tier 1 of the Mera Ghar Mera Pakistan housing scheme is 2 million Pakistani rupees.
Mera Ghar Mera Ashiana Tier 2
While in Tier 2 of Mera Ghar Mera Pakistan housing scheme, the loan can go up to 3.5 million Pakistani rupees.
Besides, you must also have 10% of the total loan amount in your bank account before applying. This shows the bank that you can manage your share in the project.
Eligibility Criteria for Mera Ghar Mera Pakistan Housing Scheme
Anyone who is a Pakistani citizen and has a valid CNIC can apply for the Mera Ghar Mera Ashiana scheme by the Punjab Government. You can apply for the Mera Ghar Mera Ashiana Scheme if:
- You are a Pakistani citizen with a valid NADRA CNIC
- You do not already own a house or flat in your name (to buy a new one)
- You have a stable income (either from a job or a business)
- You can show documentary proof of your income
- You can arrange 10% of the total loan amount in your bank account
This scheme is open to both salaried and self-employed people. It is made to be simple and open for everyone who genuinely needs a home.
Documents Needed to Apply for Mera Ghar Mera Ashiana Scheme
To apply for a house loan under the Mera Ghar Mera Ashiana Housing Scheme 2025, you should have these documents before going to the bank:
- Copy of your NADRA CNIC
- Proof of income, such as a salary slip, job letter, or business income proof
- Domicile certificate
- Bank statement or savings proof showing at least 10 percent of the loan amount
- Ownership documents if you are applying for construction or renovation on your own plot
Please note that the bank might ask for a few more papers depending on your situation, but these are the basic ones you must have.
Mera Ghar Mera Ashiana Application Process 2025
The application process is very simple. You only need to visit your nearest commercial or Islamic bank and ask for the Mera Ghar Mera Pakistan application form. Fill in the form carefully and attach your required documents.
After submitting the documents, the bank will check your eligibility, income stability, and property details. If everything is complete, your case will be sent for approval.
The approval of a loan under the Mera Ghar Mera Ashiana scheme can take around two to three months, and the program will stay open until the banks fill their quotas. It’s better to apply early because each bank has a limited number of slots available under the government rules.
Online Registration for Mera Ghar Mera Ashiana
The scheme was officially announced on September 24, 2025, and registrations began in October 2025. There is no online registration process for the Mera Ghar Mera Ashiana plan 2025 available right now; therefore, you can visit any commercial bank or Islamic bank near you.
Which Banks are Offering the Mera Ghar Mera Ashiana Scheme?
This initiative involves all major commercial and Islamic banks in Pakistan, including Meezan Bank, Bank Islami, HBL, NBP, UBL, Allied Bank, and others.
You can visit the nearest branch of any participating bank to collect and submit the form. Online applications are not available yet, so you’ll need to apply in person.
Benefits of Mera Ghar Mera Ashiana Housing Plan 2025
The Ashiana Housing Scheme loan 2025 offers many benefits that make it different from regular housing loans.
- No processing charges
- No early repayment penalty
- Loan tenure up to 20 years
- You have to pay just 10%, the rest of 90% is paid by the bank
All these reasons make it easy for ordinary people to start building or buying their homes with confidence.
Conclsuion
Mera Ghar Mera Ashiana Scheme 2025 is a strong step towards helping more Pakistanis own a house. It gives a fair chance to people who have a stable income but cannot afford a full home payment at once. With the long repayment time and government support, this program is one of the most affordable housing finance options available today.
If you need help understanding the documents, process, or choosing the right bank, Makaan Solutions can guide you through each step and help you start your journey towards your own home.
