Khushhali Bank Launches Mera Ghar Mera Ashiana Home Finance 2025 — Easy Loans up to Rs. 35 Lakh
The Khushhali Bank Mera Ghar Mera Ashiana Home Finance 2025 has been officially launched to help Pakistanis achieve the dream of owning a home. Through this initiative, citizens can apply for housing loans up to Rs. 3.5 million (35 lakh) with government-subsidized markup rates of 5%–8%.
This project, a continuation of the Mera Pakistan Mera Ghar (MPMG) vision, targets low- and middle-income families who face barriers to homeownership due to high property prices and limited financing options.
About the Mera Ghar Mera Ashiana Scheme 2025
Under the partnership between Khushhali Microfinance Bank and the Government of Pakistan, the Mera Ghar Mera Ashiana Scheme 2025 offers subsidized home loans to individuals for purchase, construction, or renovation of houses and apartments.
| Feature | Details |
|---|---|
| Bank | Khushhali Microfinance Bank |
| Scheme Name | Mera Ghar Mera Ashiana (Government Housing Finance 2025) |
| Maximum Loan Amount | Rs. 3.5 million (35 lakh) |
| Markup Rate | 5% up to Rs. 20 lakh / 8% up to Rs. 35 lakh |
| Loan Tenure | Up to 20 years |
| Property Type | House (≤ 5 marla) or Flat (≤ 1,360 sq. ft.) |
| Processing Charges | No hidden or early repayment fees |
This financing facility is particularly beneficial for first-time homebuyers who cannot access conventional housing loans due to high interest rates.
Eligibility Criteria for Khushhali Bank Housing Loan 2025
Applicants must meet these basic requirements to qualify:
- Must be a Pakistani citizen with a valid CNIC.
- Should be a first-time home buyer.
- Age limit: 25 to 60 years.
- Must have a stable income source (salaried or self-employed).
- The property must be residential and located within Pakistan.
These conditions ensure that the housing finance reaches genuine end users, not property investors.
Documents Required for Khushhali Bank Home Finance
Applicants must attach the following documents with their application form:
- CNIC (original + copy)
- Two passport-size photographs
- Salary slip or income certificate
- Six-month bank statement
- Property sale agreement / ownership papers
- Utility bill for address verification
Proper documentation ensures faster loan processing and approval.
Government Markup Subsidy Details – Mera Pakistan Mera Ghar
To make housing finance affordable, the government absorbs part of the interest rate under the Mera Pakistan Mera Ghar Program.
| Loan Range | Fixed Markup Rate | Subsidy Provided By |
|---|---|---|
| Up to Rs. 20 lakh | 5% | Government of Pakistan |
| Rs. 20 – 35 lakh | 8% | Government of Pakistan |
This means borrowers pay only the reduced rate, while the State Bank of Pakistan and the federal government cover the difference.
Loan Purpose – Buy, Build or Renovate Your Home
Under the Khushhali Bank Mera Ghar Mera Ashiana Home Finance 2025, funds can be used for multiple purposes:
- 🏡 Purchase of a new house or apartment
- 🧱 Construction of a home on owned land
- 🛠️ Renovation or expansion of an existing house
This flexibility makes the scheme suitable for both urban and rural families across Pakistan.
Key Benefits of Khushhali Microfinance Bank Housing Finance
Here’s why the Khushhali Bank Housing Loan 2025 stands out among other schemes:
- ✅ Low markup (5%–8%) for 20 years
- ✅ Government-subsidized interest rate
- ✅ Easy monthly installments
- ✅ No hidden charges or prepayment penalty
- ✅ Quick loan approval and transparent process
- ✅ Nationwide branch availability
Khushhali Bank’s motto “Khushhali Har Haal Mein” perfectly matches its goal of bringing financial stability to every household.
How to Apply for Khushhali Bank Mera Ghar Mera Ashiana Scheme
Follow these simple steps to apply for the loan:
- Visit your nearest Khushhali Microfinance Bank branch.
- Request the Mera Ghar Mera Ashiana loan form.
- Submit the form with required documents.
- Bank verifies income and property details.
- Loan is approved and disbursed to the builder or seller.
📞 Helpline: 051-111-047-047
🌐 Apply Online: www.khushhalibank.com.pk
Example Installments for Khushhali Bank Housing Loan 2025
Approximate monthly installments based on loan amount and markup:
| Loan Amount | Tenure | Markup | 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 based on repayment tenure and bank policy.)
Government Vision – Affordable Housing for Every Pakistani
The Government of Pakistan launched the Mera Ghar Mera Ashiana Scheme to make housing affordable for everyone.
It seeks to:
- Promote home ownership among low-income citizens
- Encourage construction sector growth
- Generate employment and investment
- Improve living standards across urban and rural areas
This scheme is a major step toward financial empowerment and social upliftment.
About Khushhali Microfinance Bank – Empowering Through Finance
Founded as Pakistan’s first microfinance bank, Khushhali Microfinance Bank (KMBL) aims to empower low-income communities through sustainable financial solutions.
It offers:
- Micro-enterprise and agricultural loans
- Small business and consumer finance
- Housing loans under Mera Pakistan Mera Ghar
- Savings and insurance products
With over 240 branches nationwide, Khushhali Bank remains a trusted partner for inclusive economic growth.
People Also Ask – FAQs about Khushhali Bank Mera Ghar Mera Ashiana:
Q1: What is the maximum loan amount?
Up to Rs. 3.5 million (35 lakh) for purchase or construction of a home.
Q2: What is the markup rate?
5% for loans up to Rs. 20 lakh and 8% for Rs. 20–35 lakh, subsidized by the government.
Q3: Who can apply?
Any Pakistani citizen aged 25–60 with a stable income and no previous home ownership.
Q4: How long is the repayment period?
Up to 20 years, depending on income and loan type.
Q5: How to apply?
Visit a branch or apply online at 👉 www.khushhalibank.com.pk.
Apply Today for Khushhali Bank Housing Loan 2025
If you dream of owning your own home, this is your chance!
Apply for the Khushhali Bank Mera Ghar Mera Ashiana Home Finance 2025 and get up to Rs. 35 lakh financing on easy terms.
🌐 Apply Online: www.khushhalibank.com.pk
☎️ Helpline: 051-111-047-047
Conclusion – A Step Toward Financial Stability
The Khushhali Bank Mera Ghar Mera Ashiana Home Finance 2025 stands as one of Pakistan’s most impactful government-backed housing initiatives.
By providing low-markup loans, flexible repayment plans, and transparent processing, Khushhali Bank ensures that every Pakistani family can finally say:
“Apna Ghar, Apni Pehchaan — With Khushhali Bank by your side.”
