Features
Low & Fixed Markup:
As low as 5% for the first 10 years
Up to 20 Years Tenure:
Long-term repayment flexibility
No Hidden Costs:
No processing charges or prepayment penalties
Multiple Financing Options:
Buy, build or construct on your own plot
- All men and women holding a valid CNIC
- Must be a first-time homeowner
- Must not own any housing unit in their name
- Purchase of a house, flat, or apartment
- Construction of a house on an already owned plot
- Purchase of a plot and construction of a house thereon
- House: Up to 5 Marla
- Flat / Apartment: Up to 1,360 sq. ft.
1. Financing Amount
- Tier 1: Up to PKR 2.0 million
- Tier 2: Above PKR 2.0 million and up to PKR 3.5 million
2. Financing Tenure
- Up to 20 years (subsidy applicable for 10 years)
3. Loan to Value (LTV) Ratio
- 90:10 (90% financing and 10% equity)
| Tiers | End-User Pricing (First 10 Years) | Bank Pricing (After 10 Years) |
|---|---|---|
| T1 | 5% | 1-Year KIBOR + 3% |
| T2 | 8% | 1-Year KIBOR + 3% |
- No processing cost
- No prepayment penalty
Q1. Who Can Apply for The Mera Ghar Mera Ashiana Loan Scheme 2025?
Q2. What is the age limit to apply for The Mera Ghar Mera Ashiana Housing Loan?
- Salaried: 23 – 60 years
- Self Employed: 21 – up to 75 years
Q3. What Properties Can I Buy Under Mera Ghar Mera Ashiana Loan Scheme?
- Purchase of house/flat
- Construction of house on already owned plot
- Purchase of plot and construction of house
Q4. What Is the Size Limit for Houses and Flats Under Mera Ghar Mera Ashiana Scheme 2025?
Q5. What is the Loan Repayment Period for Mera Ghar Mera Ashiana Scheme?
Subsidy applies for the first 10 years.
- Tier 1: Financing up to PKR 2 million
- Tier 2: Financing up to PKR 3.5 million
Q6. What Is the Down Payment Requirement for Mera Ghar Mera Ashiana?