Khushhali Bank Housing Loan 2025 — Apply Now for Rs. 35 Lakh Financing under Govt Scheme
The Khushhali Bank Housing Loan 2025 has opened a new door of opportunity for Pakistani families dreaming of owning their own homes. Through the Mera Ghar Mera Ashiana Home Finance Scheme, citizens can get up to Rs. 3.5 million (Rs. 35 lakh) in low-markup financing supported by the Government of Pakistan.
This project aims to provide affordable housing finance for low- and middle-income families under the Mera Pakistan Mera Ghar (MPMG) initiative.
About Khushhali Bank Home Finance Scheme 2025
Khushhali Microfinance Bank has collaborated with the Government of Pakistan to offer the Mera Ghar Mera Ashiana Housing Finance 2025.
It provides affordable loans to purchase, build, or renovate homes with 5%–8% subsidized markup rates.
| Feature | Details |
|---|---|
| Bank Name | Khushhali Microfinance Bank |
| Scheme | Mera Ghar Mera Ashiana (Govt Housing Scheme 2025) |
| Maximum Financing | Rs. 3.5 million (35 lakh) |
| Markup Rate | 5% (up to Rs. 20 lakh) / 8% (Rs. 20–35 lakh) |
| Purpose | Buy, Build, or Renovate a Home |
| Tenure | Up to 20 Years |
| Property Size | Up to 5 Marla / 1,360 sq. ft. |
| Processing Fee | No hidden or early payment charges |
Eligibility Criteria for Mera Ghar Mera Ashiana Home Loan
To qualify for Khushhali Bank Mera Ghar Mera Ashiana 2025, applicants must meet these criteria:
- Pakistani citizen with a valid CNIC
- First-time home buyer (no existing house ownership)
- Age between 25 and 60 years
- Steady income source (salaried or self-employed)
- Residential property located within Pakistan
These simple conditions make the loan accessible to working-class and middle-class families who need genuine housing assistance.
Required Documents for Khushhali Bank Housing Loan 2025
When applying for the Khushhali Microfinance Bank housing loan, keep these documents ready:
- CNIC (original + copy)
- Two passport-size photos
- Salary slip or business income proof
- Bank statement for last 6 months
- Property ownership or sale agreement
- Utility bill for address verification
These help the bank assess eligibility and approve applications quickly.
Markup Rates and Subsidy Details – Mera Ghar Mera Ashiana
Under the Mera Pakistan Mera Ghar Subsidy Program, the government bears a portion of the interest, keeping the markup rate fixed and affordable:
| Loan Range | Markup Rate | Subsidy Provider |
|---|---|---|
| Up to Rs. 20 lakh | 5% | Government of Pakistan |
| Rs. 20–35 lakh | 8% | Government of Pakistan |
This fixed markup structure ensures long-term financial relief and predictable monthly installments for families.
Loan Purpose – Buy, Build, or Renovate Your Dream Home
The Khushhali Bank Housing Loan 2025 is flexible and can be used for:
- 🏡 Buying a new house or flat
- 🧱 Constructing a home on owned land
- 🛠️ Renovating or expanding an existing property
This makes the scheme ideal for first-time buyers and existing homeowners seeking improvements.
Benefits of Khushhali Microfinance Bank Home Loan 2025
Choosing Khushhali Bank under the Mera Ghar Mera Ashiana Scheme comes with multiple advantages:
- ✅ Government-subsidized markup (5%–8%)
- ✅ Long repayment tenure (up to 20 years)
- ✅ No hidden charges or early payment penalties
- ✅ Quick loan approval and disbursement
- ✅ Easy documentation for salaried and self-employed individuals
- ✅ Available across Pakistan through 240+ branches
Khushhali Bank truly stands by its slogan — “Khushhali Har Haal Mein.”
How to Apply for Khushhali Bank Mera Ghar Loan 2025
Applying for Khushhali Bank Housing Finance is simple and hassle-free:
- Visit your nearest Khushhali Microfinance Bank branch.
- Ask for the Mera Ghar Mera Ashiana loan form.
- Fill out the form and attach required documents.
- Wait for income verification and property evaluation.
- Once approved, your financing will be released directly.
Monthly Installment Examples – Rs. 35 Lakh Home Loan
Below is an estimated repayment chart for different loan amounts and terms:
| Loan Amount | Loan Tenure | Markup Rate | Approx. Monthly Installment |
|---|---|---|---|
| Rs. 20 lakh | 15 years | 5% | Rs. 15,800 |
| Rs. 25 lakh | 15 years | 8% | Rs. 23,900 |
| Rs. 35 lakh | 20 years | 8% | Rs. 29,600 |
(Installments may vary depending on loan tenure and bank policy.)
Government’s Vision for Affordable Housing in Pakistan
The Mera Ghar Mera Ashiana 2025 is part of Pakistan’s larger goal to make affordable housing accessible for every citizen.
The initiative aims to:
- Reduce housing shortages across the country
- Support job creation in construction
- Strengthen the financial inclusion of low-income groups
- Encourage women and youth to become homeowners
This housing reform will help Pakistan achieve stability in both economic and social terms.
About Khushhali Microfinance Bank – Empowering Every Citizen
Khushhali Bank is Pakistan’s leading microfinance institution established to promote financial inclusion.
The bank provides:
- Micro-enterprise and agricultural loans
- Small business and consumer finance
- Housing loans under Mera Pakistan Mera Ghar
- Savings and insurance products
With branches in all major cities and rural areas, Khushhali Microfinance Bank is a key player in empowering low-income households through sustainable financial solutions.
People Also Ask – Khushhali Bank Mera Ghar Mera Ashiana FAQs:
Q1: What is Khushhali Bank Mera Ghar Mera Ashiana 2025?
It’s a government-backed housing finance program offering up to Rs. 35 lakh at subsidized markup rates.
Q2: What is the markup rate for the Khushhali Housing Loan 2025?
The rate is 5% for loans up to Rs. 20 lakh and 8% for loans between Rs. 20–35 lakh.
Q3: What is the loan tenure?
Repayment can be made over 5–20 years, depending on your financial comfort.
Q4: Who is eligible for this scheme?
Any Pakistani citizen aged 25–60 with a stable income and no prior home ownership.
Q5: How can I apply for the loan?
Visit your nearest Khushhali Microfinance Bank branch or apply online via www.khushhalibank.com.pk.
Apply Today – Khushhali Bank Housing Loan 2025
If you’ve been waiting for the right time to buy or build your home, this is your chance!
Apply now for the Khushhali Bank Housing Loan 2025 under the Mera Ghar Mera Ashiana Scheme and enjoy the benefits of low markup, long tenure, and easy monthly installments.
🌐 Apply Online: www.khushhalibank.com.pk
☎️ Helpline: 051-111-047-047
✅ Conclusion – Secure Your Future with Mera Ghar Mera Ashiana
The Khushhali Bank Housing Loan 2025 is a life-changing opportunity for Pakistanis who want to turn their dream of homeownership into reality. With a government subsidy, low markup, and flexible repayment plan, this scheme stands as one of Pakistan’s most impactful financial initiatives in 2025.
Take the first step today — because “Apna Ghar, Apni Pehchaan” starts with Khushhali Bank.
