8 Partner Banks Offering Mera Ghar Mera Aashiyana Scheme 2025 – Rs.35 Lakh Home Loan
The Mera Ghar Mera Aashiyana Scheme 2025 is a landmark housing finance initiative by the Government of Pakistan, aimed at helping low- and middle-income families buy or build their own homes. Under this scheme, applicants can apply for a Rs.35 lakh home loan with easy repayment plans extending up to 20 years and a subsidized markup rate that makes monthly installments highly affordable.
The government has partnered with eight leading commercial banks across Pakistan to provide simple, transparent, and quick home financing. Whether you are a salaried employee, self-employed, or running a small business, this scheme opens the door to owning your own house with minimal financial burden.
Objectives of the Mera Ghar Mera Aashiyana Scheme 2025
The key goals of the scheme are:
- To make homeownership affordable for low- and middle-income families.
- To promote the housing and construction sector across Pakistan.
- To create financial inclusion by offering low-markup loans.
- To strengthen the economy through job creation in housing and allied industries.
- To encourage banks to play a role in social welfare financing.
Key Features of the Scheme
| Feature | Details |
|---|---|
| Maximum Loan Amount | Up to Rs.35 lakh |
| Repayment Period | 10 to 20 years |
| Markup Rate | Subsidized / low rate |
| Eligible Income Group | Low- and middle-income earners |
| Target Group | First-time homeowners, salaried & self-employed |
| Application Start Date | November 2025 |
| Partner Banks | 8 National Banks |
| Processing Time | 2–4 weeks after verification |
Eligibility Criteria for Mera Ghar Mera Aashiyana program 2025
To apply for the Mera Ghar Mera Aashiyana Scheme 2025, applicants must fulfill the following conditions:
- Must be a Pakistani citizen with a valid CNIC.
- Age limit: 25 to 60 years.
- Must not already own a house in their name.
- Should have a stable source of income from job, business, or remittances.
- Must have a clean credit record with no loan defaults.
- Family income range: Rs.25,000 to Rs.200,000 per month.
Required Documents
Before applying, prepare the following documents:
- CNIC copy of applicant and spouse
- Recent passport-size photographs
- Salary slip or income certificate
- Bank statement (last six months)
- Proof of employment or business registration
- Utility bill for address verification
- Property papers (if constructing or purchasing)
8 Partner Banks Offering Mera Ghar Mera Aashiyana Scheme 2025
The government has selected eight major banks to distribute housing loans transparently and efficiently. Each bank has introduced unique features to make the process smooth for applicants.
1. Bank of Punjab (BOP)
The Bank of Punjab is one of the leading partners offering quick processing and minimum markup for government employees.
Applicants can apply online or by visiting any BOP branch.
Special Feature: Fastest approval for salaried employees, especially in government service.
Website: www.bop.com.pk
2. Habib Bank Limited (HBL)
HBL provides a complete digital application facility. You can apply, track, and manage your housing loan online. Their loan officers assist applicants throughout the process.
Special Feature: Online form submission and tracking system for transparency.
Website: www.hbl.com
3. Meezan Bank
For customers seeking Islamic financing, Meezan Bank offers Shariah-compliant home finance under the Mera Ghar Mera Aashiyana Scheme. Instead of markup, the bank charges a low profit rate under the Diminishing Musharakah model.
Special Feature: 100% Shariah-compliant home financing option.
Website: www.meezanbank.com
4. National Bank of Pakistan (NBP)
The National Bank of Pakistan has launched special packages for government employees, pensioners, and low-income groups. With branches across Pakistan, NBP offers the widest reach for applicants.
Special Feature: Flexible repayment options with nationwide accessibility.
Website: www.nbp.com.pk
5. United Bank Limited (UBL)
UBL provides customized installment plans and extended repayment tenures. Their digital banking services let you track your loan status 24/7.
Special Feature: Longest repayment option — up to 20 years.
Website: www.ubldigital.com
6. Allied Bank Limited (ABL)
ABL offers loans to both salaried and self-employed individuals under this scheme. The bank follows State Bank of Pakistan (SBP) rules for all subsidized loans, ensuring fair markup and easy processing.
Special Feature: Low markup rate and eligibility for small business owners.
Website: www.abl.com
7. Askari Bank
Askari Bank specializes in loans for defense sector employees and private workers. The bank’s Home Finance Division ensures quick processing and dedicated customer service.
Special Feature: Fast-track approval for defense personnel and employees of private firms.
Website: www.askaribank.com
8. Bank Alfalah
Bank Alfalah combines technology with convenience by offering online application services, home insurance, and transparent loan tracking. Their digital platform helps customers monitor every stage of their financing journey.
Special Feature: Digital application and complimentary home insurance.
Website: www.bankalfalah.com
How to Apply for Mera Ghar Mera Aashiyana Scheme 2025
Here’s a simple step-by-step guide to apply:
- Visit the nearest branch of any of the 8 partner banks or their official website.
- Ask for the Mera Ghar Mera Aashiyana Scheme application form.
- Fill in all personal, employment, and property details carefully.
- Attach the required documents (CNIC, salary slip, bank statement, etc.).
- Submit the form for verification and credit assessment.
- Once approved, sign the loan agreement and start construction or purchase.
- Loan disbursement will be released directly to your account or property seller.
Loan Repayment Example
| Loan Amount | Tenure | Approx. Monthly Installment |
|---|---|---|
| Rs.10 lakh | 10 years | Rs.9,000 – Rs.10,000 |
| Rs.20 lakh | 15 years | Rs.15,000 – Rs.17,000 |
| Rs.35 lakh | 20 years | Rs.25,000 – Rs.28,000 |
(Installments vary slightly depending on bank markup rates and applicant profile.)
Benefits of the Mera Ghar Mera Aashiyana Scheme
| Benefit | Description |
|---|---|
| Affordable Financing | Loans up to Rs.35 lakh with government subsidy. |
| Flexible Repayment | Choose between 10–20 years for easy installments. |
| Low Markup | Special low rates for salaried and low-income groups. |
| Islamic & Conventional Options | Shariah-compliant and regular loan choices. |
| Nationwide Access | 8 partner banks with 2,000+ branches. |
| Digital Process | Online tracking and fast approval. |
Why This Scheme Matters
Pakistan faces a housing shortage of nearly 10 million units. For decades, home loans remained out of reach for most citizens due to high markup and short tenures.
The Mera Ghar Mera Aashiyana Scheme 2025 bridges this gap by providing affordable and long-term financing, making the dream of owning a home achievable for everyone — from teachers and shopkeepers to small business owners and overseas Pakistanis sending remittances home.
FAQs – Mera Ghar Mera Aashiyana Bank Scheme 2025:
Q1: Who can apply for this scheme?
Any Pakistani citizen aged 25–60 years with a verifiable source of income can apply.
Q2: What is the maximum loan limit?
Applicants can apply for up to Rs.35 lakh.
Q3: What is the repayment period?
Between 10 and 20 years, depending on income and bank policy.
Q4: Which banks are offering this scheme?
BOP, HBL, Meezan Bank, NBP, UBL, ABL, Askari Bank, and Bank Alfalah.
Q5: Is this available nationwide?
Yes, applications are open throughout Pakistan via partner banks.
Q6: Do I need a guarantor?
Some banks may require one, depending on credit evaluation.
Q7: Is there a processing fee?
Nominal fees apply, usually between Rs.2,000–Rs.5,000.
Q8: Can overseas Pakistanis apply?
Yes, if they have verifiable remittance income and property details.
Conclusion – Mera Ghar Mera Aashiyana Scheme 2025
The Mera Ghar Mera Aashiyana Scheme 2025 is a golden opportunity for every hardworking Pakistani who dreams of owning a home. With eight partner banks, low markup, and 20-year repayment flexibility, this initiative ensures that no one is left behind in Pakistan’s journey toward affordable housing.
If you meet the eligibility criteria, visit your nearest bank branch today and apply for your Rs.35 lakh home loan under the Mera Ghar Mera Aashiyana Scheme 2025 — and take the first step toward your dream home.
