Discover the details of the Mera Ghar Mera Ashiana Markup Subsidy and Risk Sharing Scheme 2025. Learn eligibility criteria, benefits, loan tiers, markup rates, LTV ratio, and FAQs for affordable housing finance in Pakistan.
Introduction to Mera Ghar Mera Ashiana
The Government of Pakistan has launched the Mera Ghar Mera Ashiana Markup Subsidy and Risk Sharing Scheme to make affordable housing finance accessible for low- and middle-income citizens. This scheme helps first-time homeowners purchase, build, or finance their houses at subsidized markup rates with risk-sharing support.
Mera Ghar Mera Ashiana scheme is to support citizens who do not own any house and wish to build or purchase a residential unit for the first time.
Key Features of Mera Ghar Mera Ashiana Scheme
Here are the main details of the Markup Subsidy and Risk Sharing Scheme:
| Parameters | Features |
|---|---|
| Eligibility Criteria | Pakistani citizens with CNIC, first-time homeowners, and not owning any housing unit in their name |
| Scope | – Purchase of house/flat – Construction of house on already owned plot – Purchase of plot and construction of house |
| Size of Housing Unit | – House: Up to 5 Marla – Flat/Apartment: Up to 1360 sq. ft. |
| Participating Financial Institutions (PFIs) | All commercial banks, Islamic banks, MFBs, and HBFCL |
| Maximum Loan Size | Tier 1: Up to PKR 2.0 Million Tier 2: Above PKR 2.0 Million and up to PKR 3.5 Million |
| Maximum Loan Tenor | 20 years (with subsidy available for 10 years) |
| Bank Pricing | One Year KIBOR + 3% |
| Customer Fixed Pricing | Tier 1: 5% Tier 2: 8% |
| Bank Charges | No processing cost & no prepayment penalty |
| Loan-to-Value (LTV) Ratio | 90% Loan and 10% Equity |
| Risk Coverage | 10% of the outstanding portfolio under first loss basis |
Benefits of Mera Ghar Mera Ashiana Scheme
- Easy access to affordable housing finance.
- Low fixed markup rates for up to 10 years.
- Flexible loan repayment period (up to 20 years).
- No hidden charges or processing fees.
- High loan-to-value ratio (90% financing by banks).
- Coverage against credit risk for banks to encourage lending.
- Opportunity for first-time homeowners to build or purchase a house.
Eligibility Criteria for Mera Ghar Mera Ashiana
To apply under Mera Ghar Mera Ashiana, you must:
- Be a Pakistani citizen holding a valid CNIC.
- Be a first-time homeowner.
- Not own any house in your name before applying.
Also Check
Visit For more Schemes or Program : https://pakgovschemes.pk/
How to Apply for Mera Ghar Mera Ashiana
- Visit any participating financial institution (PFI) such as commercial banks, Islamic banks, Microfinance Banks, or HBFCL.
- Ask for the Mera Ghar Mera Ashiana housing finance form.
- Submit required documents including:
- CNIC copy
- Proof of income
- Property documents (for construction or purchase)
- The bank will process your loan as per the scheme’s guidelines.
- Upon approval, you will start receiving housing finance at subsidized markup rates.
Frequently Asked Questions (FAQs)
1. What is the Mera Ghar Mera Ashiana Scheme?
It is a government-supported scheme that provides affordable housing loans with markup subsidies and risk-sharing for first-time homeowners.
2. Who is eligible for this scheme?
Only Pakistani citizens with CNIC who do not already own a house can apply.
3. What types of housing finance are covered?
The scheme covers:
Purchase of house/flat
Construction on owned plot
Purchase of plot and house construction
4. What is the maximum size of the housing unit?
House: Up to 5 Marla
Flat/Apartment: Up to 1360 sq. ft.
5. What is the maximum loan amount?
Tier 1: Up to PKR 2.0 Million
Tier 2: Up to PKR 3.5 Million
6. What is the loan repayment period?
The maximum loan tenor is 20 years, with markup subsidy available for the first 10 years.
7. What are the fixed markup rates for customers?
Tier 1: 5%
Tier 2: 8%
8. Do banks charge processing fees?
No, there are no processing fees or prepayment penalties.
9. What is the Loan-to-Value (LTV) ratio?
The scheme allows 90% loan financing and 10% equity contribution from the customer.
10. Which banks are part of this scheme?
All commercial banks, Islamic banks, Microfinance Banks, and House Building Finance Company Limited (HBFCL) are included.
11. What is risk coverage under this scheme?
The government provides 10% first-loss coverage on the outstanding portfolio to reduce risks for banks.
12. How do I apply for this scheme?
You can apply by visiting any participating bank, filling out the housing finance form, and submitting necessary documents.
Final Words for Mera Ghar Mera Ashiana
The Mera Ghar – Mera Ashiana Markup Subsidy and Risk Sharing Scheme is a major initiative by the Government of Pakistan to ensure affordable housing finance for first-time homeowners. With low markup rates, long repayment periods, and no hidden charges, this scheme provides an excellent opportunity for citizens to turn their dream of owning a home into reality.
Latest Government Schemes
Visit our website for more Updates about Government Schemes : https://pakgovschemes.pk
For More SCHEMES or PROGRAMS like this visit here :
Source & Authority Note
This article is published by Pakgovschemes.pk, an independent informational platform that covers verified Government welfare schemes in Pakistan. Information is compiled from official Government Portal for public awareness only.
Disclaimer
Pakgovschemes.pk does not offer registrations, forms, or application services. Applicants should always apply through official Government portals only. We do not collect CNIC numbers or personal data.