Khushhali Bank Mera Ghar Mera Aashiana Scheme 2025 – Easy Monthly Installment Home Loan up to 35 Lakh
The Government of Pakistan, in collaboration with Khushhali Microfinance Bank, has officially relaunched the Mera Ghar Mera Aashiana Loan Scheme 2025, offering easy home loans up to Rs. 35 lakh for low and middle-income families.
The initiative provides Pakistanis the opportunity to build, buy, or expand their own homes through subsidized financing with 5% to 8% markup and simple monthly installment plans. This housing finance program ensures every Pakistani can achieve the dream of owning a safe and affordable home.
Overview of Khushhali Bank Mera Ghar Mera Aashiana Scheme 2025
The Mera Ghar Mera Aashiana Scheme 2025 by Khushhali Bank is part of the government’s low-cost housing initiative that enables citizens to access affordable home loans under the Markup Subsidy Program regulated by the State Bank of Pakistan (SBP). The scheme covers house purchase, construction, or extension, ensuring financial inclusion for those who previously couldn’t afford commercial housing loans.
Key Highlights
- Loan amount up to Rs. 3.5 million (Rs. 35 lakh)
- Markup rate of 5% to 8% only
- No processing fee or prepayment charges
- Long-term installment options
- Available across all Khushhali Bank branches in Pakistan
Check Also: Big News: Bank Alfalah Mera Ghar Mera Ashiana Scheme 2025 — Get Up to PKR 3.5 Million with 5% Profit Rate
Eligibility Criteria for Mera Ghar Mera Aashiana Loan 2025
Applicants must meet specific eligibility requirements to qualify for this Khushhali Bank housing loan. The goal is to prioritize low and middle-income families who genuinely need home financing.
| Criteria | Details |
|---|---|
| Nationality | Must be a Pakistani citizen |
| Age Limit | 25 – 60 years |
| Income Level | Low to middle-income group |
| Employment Type | Salaried, self-employed, or small business owner |
| Purpose | Purchase, construction, or expansion of a house |
| Property Size | Up to 5 Marla (1,360 sq. ft.) |
| Credit History | Clean record, no defaults or pending loans |
Features & Benefits of Khushhali Bank Mera Ghar Mera Aashiana Scheme
The scheme provides multiple benefits that make it one of the best housing loan options in Pakistan for 2025:
| Feature | Details |
|---|---|
| Bank Name | Khushhali Microfinance Bank |
| Maximum Loan Limit | Rs. 3.5 million |
| Markup Rate | 5% to 8% (fixed) |
| Repayment Tenure | Long-term, monthly installment plan |
| Processing Fee | None |
| Prepayment Charges | None |
| Property Size Limit | Up to 5 Marla or 1360 sq. ft. |
| Loan Purpose | Buy, build, or extend your home |
This loan is designed to ensure financial comfort while making home ownership practical and achievable for the average Pakistani.
Markup Subsidy Details and Installment Example
The government provides a markup subsidy on each home loan to make repayment affordable.
| Loan Amount | Markup Rate | Usage |
|---|---|---|
| Up to Rs. 2 million | 5% per annum | Home construction or small house purchase |
| Rs. 2 – 3.5 million | 8% per annum | Large home construction or house extension |
💡 Example:
If you borrow Rs. 2,000,000 at 5% markup for 15 years, your monthly installment will be around Rs. 15,800 only — a comfortable and easy payment option for salaried or self-employed individuals.
Step-by-Step Process to Apply for Mera Ghar Mera Aashiana Loan 2025
Applying for the Khushhali Bank Mera Ghar Mera Aashiana Loan Scheme 2025 is simple and transparent. Follow these easy steps:
Step 1: Visit Your Nearest Khushhali Bank Branch
Go to your nearby Khushhali Microfinance Bank branch. Bring your CNIC, proof of income, and property details.
Step 2: Fill the Application Form
Ask for the Mera Ghar Mera Aashiana Loan Form, fill it out carefully, and attach required documents.
Step 3: Submit Your Documents
Provide the following documents for verification:
- CNIC copies
- Income proof (salary slip or business record)
- Property documents
- Latest utility bill
- 2 passport-size photographs
Step 4: Verification & Evaluation
The bank will assess your income, verify documents, and evaluate the property value.
Step 5: Loan Approval & Disbursement
Once approved, your loan amount is credited to your account, and construction or purchase can begin immediately.
Required Documents for Khushhali Bank Housing Loan 2025
| Document Type | Purpose |
|---|---|
| CNIC | Identity verification |
| Proof of Income | Salary slip or business record |
| Property Papers | Registry, sale deed, or plot file |
| Utility Bill | Address confirmation |
| Photographs | Two passport-size |
| Bank Statement | Last 6 months record |
Advantages of Mera Ghar Mera Aashiana Home Loan
- Low Markup Rate: Only 5% – 8% fixed.
- No Hidden Charges: Zero processing and prepayment fees.
- Flexible Repayment: Easy monthly installments.
- Nationwide Access: Apply from any Khushhali Bank branch.
- Government Backed: Subsidy supported by the State Bank of Pakistan.
- Quick Approval: Fast processing time with simple documentation.
- Affordable Financing: Perfect for low and middle-income families.
Why Choose Khushhali Bank for Home Loan in Pakistan?
Khushhali Bank has established itself as a trusted microfinance institution providing reliable financial assistance for small businesses and individuals.
Its participation in the Mera Ghar Mera Aashiana Scheme 2025 shows the bank’s commitment to housing development and economic inclusion across Pakistan.
With flexible terms, transparent processes, and a supportive government subsidy, Khushhali Bank’s home loan is one of the most secure and affordable financing options available in Pakistan today.
Important Guidelines Before Applying
- The loan is strictly for residential purposes only.
- The applicant must provide genuine and verifiable documents.
- Loan approval depends on income stability and property value.
- The government markup subsidy applies only to approved applications.
- Always visit the official branch or State Bank portal for authentic details
- Khushhali Bank website: www.khushhalibank.com.pk
Benefits Table – Khushhali Bank Mera Ghar Mera Aashiana Loan 2025
| Feature | Benefit |
|---|---|
| Maximum Loan | Rs. 3.5 million |
| Markup Rate | 5% – 8% |
| Tenure | Long-term installments |
| Processing Charges | None |
| Eligibility | Low & middle-income groups |
| Property Size | Up to 5 Marla |
Check Also: Bank AL Habib Mera Ghar Mera Ashiana 2025 — Affordable Housing Finance for Every Pakistani
Frequently Asked Questions (FAQs) about Khushhali Bank’s Home Scheme 2025:
1. What is the maximum loan limit under Khushhali Bank’s Mera Ghar Mera Aashiana Scheme 2025?
You can apply for a loan up to Rs. 35 lakh (3.5 million) for home purchase or construction.
2. Who is eligible to apply for this loan?
Any Pakistani citizen between 25 to 60 years of age with a stable income source.
3. What is the markup rate offered?
Markup is 5% for loans up to Rs. 2 million and 8% for loans above Rs. 2 million.
4. Are there any processing or hidden charges?
No. Khushhali Bank offers this scheme with zero processing fee and no hidden costs.
5. Can the loan be used for house renovation or expansion?
Yes, the loan can also be availed for house expansion or renovation under the same scheme.
6. What is the required property size limit?
Maximum property size is 5 Marla (approximately 1360 sq. ft.).
7. How long does loan processing take?
Typically, 2–4 weeks depending on verification and documentation.
8. Where can I apply for this home loan?
Visit any Khushhali Microfinance Bank branch or apply online via the State Bank housing portal.
Conclusion – Mera Ghar Mera Aashiana Scheme 2025
The Khushhali Bank Mera Ghar Mera Aashiana Loan Scheme 2025 is an incredible opportunity for Pakistanis who dream of owning their own homes. With easy monthly installments, a low markup rate, and full government support, it ensures that homeownership is no longer just a dream—it’s a reachable goal. If you’re planning to construct, buy, or expand your home, apply today and take the first step toward your own Mera Ghar, Mera Aashiana.
