SBP Mera Ghar Mera Ashiana Loan Scheme 2025 – Online Registration & Latest Updates

Introduction: SBP Mera Ghar Mera Ashiana Loan Scheme

The State Bank of Pakistan (SBP) has officially launched the Mera Ghar Mera Ashiana Loan Scheme 2025, a government-backed initiative designed to make homeownership affordable for low- and middle-income citizens of Pakistan. This scheme provides easy financing options with low markup rates, long-term repayment plans, and no hidden charges — making it one of the most attractive housing finance programs of 2025.

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Purpose of the Scheme

The Mera Ghar Mera Ashiana Scheme 2025 aims to support individuals who do not own a home and wish to purchase, build, or reconstruct one. This initiative falls under the SBP’s Affordable Housing and Financial Inclusion Policy, which ensures that every Pakistani family can achieve the dream of owning a house without excessive financial burden.

Key Features

Category Details

• Eligibility Criteria Pakistani citizens with a valid CNIC and no prior ownership of residential property.
• Loan Purpose For purchasing, constructing, or reconstructing a house/apartment, or buying land for construction.
• Property Size Limit Up to 5 Marla (house) or 1,360 sq. ft (apartment).
• Loan Tiers – Tier 1: Up to PKR 2 million – Tier 2: PKR 2 million – PKR 3.5 million
• Loan Tenure Up to 20 years with markup subsidy for the first 10 years.
• Markup Rate – For Banks: 1-Year KIBOR + 3% – For Borrowers: Fixed 5% (Tier 1), 8% (Tier 2) Down Payment (Equity) Minimum 10% of property value (Loan-to-Value ratio 90:10).
• Processing Fee No processing or prepayment charges.
• Risk Coverage Government provides up to 10% first-loss coverage to reduce risk for banks.
• Participating Banks All major commercial, Islamic, and microfinance banks, along with HBFCL.

How to Apply for SBP Mera Ghar Mera Ashiana Loan Scheme?

Although the term “online registration” is commonly used, the application process currently takes place through participating banks rather than an official SBP portal.

Follow these simple steps to apply:

1. Visit your nearest participating bank (Commercial, Islamic, or Microfinance).
2. Ask for the “Mera Ghar Mera Ashiana Loan Scheme” application form.
3. Prepare and submit the required documents:

• CNIC copy
• Proof of income or employment
• Property ownership or sale documents
• Two passport-size photographs

• Bank verification: Your application and documents will be verified by the bank.

• Loan approval: After approval, the amount will be disbursed directly for property purchase or construction.

Tip: You can also visit the official websites of major banks (e.g., HBL, Meezan Bank, Bank Al Habib) for detailed instructions or downloadable application forms.

Last Date for Registration

According to the latest official circular by the State Bank of Pakistan (SBP Circular No. 03 of 2025), there is no specific last date announced yet. However, applicants are encouraged to apply early since future updates or policy changes may affect eligibility and subsidy limits.

Benefits of the Scheme

✅ Low markup rate (as low as 5%)
✅ Long repayment tenure (up to 20 years)
✅ Zero prepayment penalty
✅ Government risk coverage for banks
✅ Supports first-time home buyers

This scheme provides significant relief to citizens who previously found housing loans unaffordable due to high interest rates.

Challenges to Consider

• Despite being highly beneficial, applicants should remain aware of a few potential challenges:
• Lengthy document verification and approval processes.
• Varying documentation requirements among different banks.
• Limited affordable housing options within the eligible property size limit.
• Lack of public awareness about the scheme.

Addressing these issues could further improve accessibility and speed of approvals across all provinces.

Conclusion

The SBP Mera Ghar Mera Ashiana Loan Scheme 2025 is a remarkable step toward promoting affordable housing in Pakistan. With low markup rates, government-backed security, and easy eligibility requirements, it offers a golden opportunity for low- and middle-income families to own their first home.

If you are planning to buy or build a home, visit your nearest participating bank today and take the first step toward a secure future with Mera Ghar Mera Ashiana.

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