Owning a home has long been a dream for millions of Pakistanis, but in recent years, it has become nearly impossible for low- and middle-income families. With property prices soaring and inflation affecting every sector, even a small house in major cities like Karachi, Lahore, or Islamabad seems out of reach for most. Recognizing this growing problem, the Government of Pakistan has launched the “Mera Ghar – Mera Ashiana” Housing Scheme 2025 — a program designed to turn that dream into reality.
What Is the Mera Ghar – Mera Ashiana Scheme?
The Mera Ghar – Mera Ashiana Scheme is a government-backed housing initiative supervised by the State Bank of Pakistan (SBP). Its main goal is to make homeownership easier and more affordable for citizens, especially first-time buyers who have never owned property before.
Under this program, the government partners with commercial banks to offer low-interest housing loans with long repayment periods. The aim is to help families purchase, construct, or even expand their own homes without the burden of high interest rates that usually come with private loans.
Key Benefits and Loan Details
This housing scheme offers attractive features that make it different from regular bank loans:
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Loan Amounts: Up to Rs. 3.5 million depending on the category
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Eligibility: Only for first-time homebuyers who are Pakistani citizens
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Property Size Limit:
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Houses: Up to 5 marlas
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Apartments: Up to 1,360 sq. ft.
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Repayment Period: Up to 20 years
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Fixed Markup Rates:
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5% for loans up to Rs. 2 million (Tier 1)
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8% for loans from Rs. 2 million to Rs. 3.5 million (Tier 2)
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The fixed markup rate ensures that borrowers won’t be affected by changing market conditions or inflation. In addition, there are no processing fees or early payment penalties, making it easier for families to manage their finances.
Why This Initiative Matters
Pakistan faces a massive housing shortage, with millions of families either living in rented spaces or informal settlements. The “Mera Ghar – Mera Ashiana” scheme is a direct attempt to close that gap.
For years, speculative investments, lack of regulation, and high construction costs have pushed homeownership beyond the reach of ordinary citizens. This program aims to break that cycle by offering subsidized loans, controlled interest rates, and a 90:10 loan-to-value ratio, meaning buyers only need to pay 10% of the home’s cost upfront, while the remaining 90% is covered by the bank.
Such initiatives also have a wider economic impact — creating jobs in construction, boosting demand for building materials, and encouraging urban development in underdeveloped areas.
Who Can Apply?
To ensure fairness and transparency, the government has set clear eligibility criteria:
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Applicants must be Pakistani citizens.
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They must be first-time homeowners.
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They should not already own any residential property.
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The property being financed must be within the approved size and value limits.
The loans can be used for buying a new home, constructing on an existing plot, or purchasing land followed by construction — offering flexibility to different income groups.
A Step Toward Economic Stability
Affordable housing does more than provide shelter — it builds stability, dignity, and hope. The Mera Ghar – Mera Ashiana scheme has the potential to reshape Pakistan’s real estate landscape by bringing transparency and accessibility to the sector.
If implemented properly, this program could significantly reduce the housing deficit, encourage savings and investment, and help families move from renting to owning — a milestone that transforms lives and communities.
Conclusion
The Govt Housing Scheme 2025 – Mera Ghar, Mera Ashiana is more than just a housing project; it is a promise of opportunity for Pakistan’s working class. By providing affordable home financing, fixed interest rates, and long-term repayment options, the government is helping citizens achieve one of life’s biggest milestones — owning a home.
As the scheme unfolds, it could become a cornerstone for economic growth, social stability, and a brighter future for low- and middle-income families across Pakistan.
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