Mera Ghar Mera Aashiana Loan 2025 – Get Up to 35 Lakh Easy Home Finance in Pakistan
Mera Ghar Mera Aashiana Loan 2025 is a lifelong dream for every Pakistani family, and in 2025 that dream is finally becoming more achievable. The Government of Pakistan, in partnership with Khushhali Microfinance Bank and State Bank of Pakistan’s subsidized housing program, has introduced the Mera Ghar Mera Aashiana Loan Scheme 2025. This scheme offers affordable housing finance of up to PKR 35 lakh to low- and middle-income families who want to build, purchase, or improve their own house.
Under this easy home financing scheme, applicants can enjoy a low markup rate between 5% and 8%, flexible repayment tenures, and no pre-processing fee, making it one of the best housing loan options in Pakistan.
With rising rent prices, inflation, and increasing land costs, this government-supported home financing initiative brings real hope for thousands of families who dream of having a secure home of their own.
What Is Mera Ghar Mera Aashiana Loan Scheme 2025?
The Mera Ghar Mera Aashiana Loan Scheme is a Government-subsidized housing finance program that aims to help low and moderate-income Pakistani citizens buy or construct their house. The loan is provided through Khushhali Microfinance Bank, and the scheme operates under the State Bank of Pakistan’s subsidized financing model.
The purpose of this scheme is to make home ownership easier, especially for families earning less and struggling to qualify for commercial bank loans.
Key Features of Mera Ghar Mera Aashiana Home Loan 2025:
| Feature | Details |
|---|---|
| Maximum Loan Amount | Up to PKR 35 Lakh |
| Markup Rate | 5% to 8% subsidized rate |
| Loan Purpose | Buy or build a house, or apartment |
| Processing Fee | No processing fee |
| Repayment | Easy monthly installments |
| Loan Type | Islamic & Conventional housing finance available |
| Property Size | Up to 5 Marla house or 1360 sq. ft flat |
| Target Audience | Low and middle-income families |
This scheme is specially designed to help individuals who usually face loan barriers due to lower incomes or lack of collateral options in commercial banks.
Eligibility Criteria for Mera Ghar Mera Aashiana 2025:
To apply for this home financing scheme, you must meet the following requirements:
- Pakistani citizen with valid CNIC
- Age 25 to 60 years (depending on bank policy)
- Stable income source (job, business, self-employment)
- No previous housing loan default
- First-time homeowner (priority given)
- Property must be within approved limits (up to 5 marla or 1360 sq.ft)
Even salaried workers with basic income, shopkeepers, freelancers, labor workers, and small business owners can apply.
Income Requirement for Home Loan 2025:
There is no strict single income requirement. However:
- Monthly income should be sufficient to repay installments
- Family income pooling allowed (husband + wife)
Example: If installment is Rs 25,000 per month, you may need around Rs 60,000 to Rs 90,000 combined income.
Read Also: Big Relief for Farmers: Punjab Govt Buying 62 Lakh Ton Wheat at Rs. 3500 Price 2025
Markup (Interest) Rate Details
| Loan Amount | Govt Subsidized Markup |
|---|---|
| Up to 20 Lakh | 5% |
| 20 to 35 Lakh | 8% |
This is significantly lower compared to market housing loan rates which often range from 18% to 24%.
Loan Types Available
- Home Construction Loan
- Home Purchase Loan
- Flat Purchase Loan
- House Renovation Loan
Multiple uses mean more flexibility for buyers and builders.
Required Documents
Prepare the following documents before applying:
- CNIC copy
- Two passport-size photographs
- Bank statement (6-12 months)
- Salary slip or business income proof
- Utility bill copy
- Property documents / sale agreement
- Other documents requested by the bank
How to Apply for Mera Ghar Mera Aashiana Loan 2025:
Step-by-Step Guide
- Visit the Khushhali Microfinance Bank branch
- Submit loan request and complete housing finance application
- Provide income and property documents
- Bank reviews eligibility and credit profile
- Property evaluation and verification
- Loan approval and financing agreement signing
- Loan disbursement in stages (for construction) or lump sum (for purchase)
Online Registration Link
You can also fill loan request through SBP housing portal:
👉 https: // lunwai.sbp.org.pk (remove space)
Why Choose Khushhali Bank Housing Loan?
Khushhali Bank is Pakistan’s largest microfinance bank and focuses on supporting middle and lower-income families. The bank offers:
- Fast processing
- Friendly evaluation system
- Simple documentation
- Subsidized markup
- No hidden charges
Perfect for applicants who cannot meet strict requirements of big commercial banks.
Read Also: Kisan Card Lucky Draw 2025
Benefits of Mera Ghar Mera Aashiana Scheme 2025
- Affordable housing for working families
- Easy monthly installments
- Lower interest than market
- Government-backed program
- Opportunity to own first home
- Improves living standard and financial security
- Encourages legal property ownership and documentation culture
Who Should Apply?
- Salary workers
- Private job employees
- Shopkeepers & traders
- Small business owners
- Govt employees
- Freelancers & self-employed workers
- Overseas Pakistanis (case-basis)
Anyone seeking affordable home finance can benefit.
Read More: Punjab Kisan Card Wheat Subsidy 2025 – Apply Now for Interest-Free Loan & Seed Support
FAQs – Mera Ghar Mera Aashiana Loan 2025:
Q1. What is Mera Ghar Mera Aashiana Loan Scheme?
It is a government-subsidized home loan scheme that provides affordable housing finance up to Rs. 35 lakh for low and middle-income individuals in Pakistan.
Q2. How much loan can I get under this scheme?
You can apply for up to Rs 3.5 million (35 lakh) for building or purchasing a house or flat.
Q3. What is the markup (interest) rate?
The markup rate starts from 5% to 8%, depending on the loan category and loan amount.
Q4. Who is eligible for this housing loan?
Pakistani citizens with valid CNIC, stable income source, and no previous loan defaults are eligible. Priority is given to first-time home buyers.
Q5. Which bank is offering this loan?
Khushhali Microfinance Bank is offering this scheme under the State Bank of Pakistan subsidized housing finance program.
Q6. What property size is allowed?
Maximum eligible size is 5 Marla house or 1,360 sq.ft flat.
Q7. Can I apply if I don’t have a salary slip?
Yes. Khushhali Bank accepts alternative income proof such as business records, shop income, freelance income, or informal earnings.
Final Words:
The Mera Ghar Mera Aashiana Loan 2025 is a powerful opportunity for families who want to turn their dream of owning a home into reality. With low markup, zero processing fees, and easy installment plans, this program offers the most affordable housing finance in Pakistan right now.
If you are planning to build or buy your own house, this is the right time. Visit Khushhali Bank, complete the form, and secure your home today. Your dream home is now closer than ever.
