Mera Pakistan Mera Ghar Scheme 2025 is a very good scheme and it is especially for the poor people who do not have their own homes.This will be of great benefit to the poor people because they cannot build houses due to such high inflation. They do not have their own houses. Now, let’s build our own houses.
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Who Is Eligible For Mera Pakistan Mera Ghar Scheme 2025?
Apply for this scheme
🪪 A valid ID card and NICOP is required to apply for Mera Pakistan Mera Ghar 2025 scheme.
🏠 Only those people can apply for this scheme who do not own any house and have not previously taken any house or loan under Mera Pakistan Mera Ghar 2025 scheme.
👥 People between the ages of 25 and 60 can apply for Mera Pakistan Mera Ghar 2025 scheme.
💼 Only those people with a salary between 25,000 and 50,000 can apply for Mera Pakistan Mera Ghar 2025 scheme.
💳 Financing is offered only once per individual.
🧾 This scheme is for low-income earners and non-earners.
What Can You Finance?
Borrowers can use the facility for:
🏗️ A loan will be provided for the construction of a house that matches this scheme, and it is mandatory to complete the construction within 12 months of receiving the loan.
🧱 Acquiring a plot and building a house from the ground up.
🔧 Extending or renovating an existing home.
Also Read: PM Laptop Scheme Phase 4
Scheme Tiers & Property Size Caps
| 🏷️ Tier | 🏗️ Project Type | 📐 Max Size | 💰 Max Loan |
|---|---|---|---|
| Tier 0 | Non-NAPHDA (Microfinance) | 🏠 House ≤ 125 sq yd🏢 Flat ≤ 1,250 sq ft | PKR 2 million ([BoK][1]) |
| Tier 1 | NAPHDA | 🏠 House ≤ 125 sq yd🏢 Flat ≤ 850 sq ft | PKR 2.7 million |
| Tier 2 | Non-NAPHDA | 🏠 House ≤ 125 sq yd🏢 Flat ≤ 1,250 sq ft | PKR 6 million |
| Tier 3 | Non-NAPHDA | 🏠 House ≤ 250 sq yd🏢 Flat ≤ 2,000 sq ft | PKR 10 million |
Subsidized Mark-up Rates
| 🏷️ Tier | 📆 Years 1–5 | 📆 Years 6–10 | 📆 Years 11–15 | 📈 Beyond 15 Years |
|---|---|---|---|---|
| Tier 0 | 💸 3% | 💸 5% | 🔄 Assumed | 🏦 Bank Rate + KIBOR ([Zameen][1]) |
| Tier 1 | 💸 2–3% | 💸 4–5% | 💸 5% | 📊 1-Year KIBOR + 2.5% |
| Tier 2 | 💸 5% | 💸 7% | — | 📊 1-Year KIBOR + 4% |
| Tier 3 | 💸 7% | 💸 9% | — | 📊 1-Year KIBOR + 4% |
Tenure & Repayment
⏳ You can repay the loan taken under this scheme within 5 to 20 years.
🔓 No early termination fees, offering added flexibility.
📅 Monthly installments include markup/rental payments and often property insurance or Takaful premiums.
Also Read: Benazir Taleemi Wazaif Program 2025
Participating Banks & Application Process For Mera Pakistan Mera Ghar 2025 Scheme?
📝 Fill out the form provided by the bank.
📂 Submit the required documents (CNIC, income proof, bank statements, photographs, etc.).
🏠 Submit proof of property eligibility and valuation.
🔍 Undergo standard KYC and credit checks.
⏳ Wait for initial approval and disbursement, which may take longer in non-urban regions.
How to Apply for the Mera Pakistan Mera Ghar 2025 Scheme?
🏦 Visit your nearest bank, such as HBL, UBL, Meezan Bank, Bank Al Habib, Allied Bank, or others.
📝 Fill out the financing form for the Mera Pakistan Mera Ghar Scheme.
📑 Submit the required documents:
📸 Photographs
🪪 CNIC/NICOP
💵 Salary slip or income proof
🏦 Bank statements (last 6 months)
🏠 Property documents (title deed, maps, approvals)
📤 Then, submit the completed form to the bank.
⏱️ You will receive a response soon.
Who Can Apply For Mera Pakistan Mera Ghar 2025?
🌍 Anyone who is a resident of Pakistan can apply for this scheme.
🚫 To apply for this scheme, the applicant must not have any house previously registered in their name.
🔁 The applicant must not have previously taken a loan under this scheme.
🎯 To apply for this scheme, the person must be between 25 and 60 years old.
Minimum Net Monthly Income For Mera Pakistan Mera Ghar 2025:
PKR 25,000 for salaried individuals.
PKR 50,000 for self-employed individuals.
Conclusion:
This is a very good scheme and the aim of this scheme is to help the poor people by giving them a good housing.This scheme has been taken out by Maryam Nawaz and Dog Housing and in this scheme loans are given so that people can prepare their own houses.This is really a very good scheme for poor people.It is only for those who have no house in their name and want a place to stay.
What is the scheme?
Where to Apply?
Participating banks: Askari Bank, UBL, Standard Chartered, Sindh Bank, Bank of Khyber, and others. SBP portal has a full list .
How to Apply
Determine which Tier your property falls into (based on size & price).
Gather necessary documents.
Visit a participating bank branch or SBP service desk.
Fill the application; bank adds your loan file to SBP’s portal.
Await approval and loan disbursement timeline.
Eligibility Criteria
Valid Pakistani CNIC (including NICOP) and aged between 25–60 years at loan maturity (varies slightly by bank)
Salaried or self-employed individuals; some banks allow co-applicants (up to 4)
Minimum net monthly income ~PKR 25,000–30,000; applicants often club incomes to meet criteria
Loan security backed by the financed unit and sometimes additional collateral as per bank policy
Loan Tiers & Limits
Tier
Unit Size
Max Loan Amount
Max Market Value Cap
Tier 0
≤5 marla / ≤1,250 sq ft
PKR 2 million (via microfinance)
None reported
Tier 1 (NAPHDA)
≤5 marla / ≤850 sq ft
PKR 2.7 million
PKR 3.5 million
Tier 2
≤5 marla / ≤1,250 sq ft
PKR 6 million
No cap
Tier 3
≤10 marla / ≤2,000 sq ft
PKR 10 million
No cap
