Owning a home in Pakistan is not easy for most families. Property prices are very high, construction costs keep rising, and getting a loan is also difficult. Because of this, many people still don’t have their own homes. Pakistan is facing a housing shortage of more than 10 million homes.

To help solve this problem, the government introduced the Mera Ghar Mera Ashiana scheme.

What is this scheme?

The Mera Ghar Mera Ashiana scheme was launched in 2025. It is supported by the State Bank of Pakistan. The main goal is to help people—especially first-time buyers—get affordable loans to buy or build their own homes.

Banks like commercial banks, Islamic banks, microfinance banks, and House Building Finance Company Limited are offering these loans.

The best part is that the loan has low markup (interest) and easy monthly payments.

Who can apply?

You can apply if:

• You are a Pakistani citizen with a CNIC
• You don’t own any house (first-time buyer)
• You have a stable income

Loan features (easy to understand)

• Loan time: up to 20 years
• Government support: lower markup for first 10 years
• Markup rates:
  • Up to 20 lakh → 5%
  • 20 to 35 lakh → 8%
• Bank can give up to 90% of property value
• You only need to pay 10% from your side
• No extra hidden charges

What can you do with this loan?

You can:

• Buy a house or flat
• Build a house on your land
• Buy a plot and then build a house

Property size

• House: up to 10 Marla
• Flat: up to 1500 sq ft

This is to make sure the scheme is used for affordable homes.

Why this scheme is important

This scheme is very helpful for middle-class families. It makes owning a home possible with smaller monthly payments. It also helps the construction industry grow and creates more jobs.

Simple conclusion

Mera Ghar Mera Ashiana is a good step by the government. It gives hope to people who always dreamed of having their own home but couldn’t afford it before.