Apply Now for SBP Mera Ghar Mera Ashiana Home Loan 2025 – Easy Steps, Eligibility & Benefits Explained

The State Bank of Pakistan (SBP) has introduced a major relief for low- and middle-income citizens through the Mera Ghar Mera Ashiana Home Loan Scheme 2025.
This initiative helps individuals buy or build their own home through affordable financing, low markup rates, and long repayment periods — turning homeownership dreams into reality.

If you’re wondering how to apply, who qualifies, and what benefits you’ll get, here’s the complete, easy-to-understand guide for you.

Overview – What Is the SBP Mera Ghar Mera Ashiana Scheme?

The SBP Mera Ghar Mera Ashiana Scheme is a government-backed housing finance program that enables first-time home buyers to access subsidized loans for home purchase, construction, or expansion.

This scheme directly supports Pakistan’s vision for affordable housing, especially for families struggling with high rents and limited access to home loans.

You can apply for:

1. Building a house on your own land
2. Buying a ready-to-move home or flat
3. Expanding or renovating an existing home

Key Features & Latest Updates for 2025

As of October 2025, the program is open for new registrations, with banks across Pakistan now accepting applications.

Here’s what makes this year’s version more beneficial:

• Only 10% equity required – banks finance up to 90% of your home’s cost.

• House limit: Up to 5 marla or flat/apartment up to 1,360 sq. ft.

• Loan tiers:

  • Tier 1: Up to Rs. 2 million (lowest markup rate)

  • Tier 2: Rs. 2–3.5 million (slightly higher markup)

• Loan tenure: Up to 20 years

• Markup subsidy: Government covers part of the interest for 10 years.

• Participating institutions: HBL, Meezan Bank, UBL, Bank Alfalah, BOP, and HBFCL.

This long-term structure ensures lower monthly installments, making it easier for families to manage repayments.

Eligibility Criteria – Who Can Apply in 2025

To qualify for the Mera Ghar Mera Ashiana Loan Scheme 2025, you must:

• Be a Pakistani citizen with a valid CNIC

• Not own any house or apartment in your name

• Be a first-time homeowner

• Have a stable source of income (salaried or self-employed)

• Ensure your house size is within 5 marla or 1,360 sq. ft. limit

• Submit income proof, domicile, and property documents

👉 These checks ensure only genuine home seekers get approved under the scheme.

How to Apply for SBP Mera Ghar Mera Ashiana Loan Online

The application process is quick and straightforward. Here’s how you can apply:

1. 🏦 Visit your nearest participating bank or apply through the official SBP housing finance portal.

2. Fill out the loan application form (available online or at the bank).

3. Attach the following documents:

   • CNIC and recent photographs

   • Proof of income or business

   • Domicile certificate

   • House/plot documents or site plan

4. Deposit your 10% equity contribution.

5. Wait for bank verification and credit review.

6. Once approved, you’ll receive loan disbursement under the markup subsidy program.

💡 Tip: Apply early — quotas fill up fast and approvals take time.

Registration Timeline & Expected Last Date

Although the official last date for Mera Ghar Mera Ashiana 2025 hasn’t been announced yet, early applicants have a higher chance of approval.

The registration window usually remains open for 2–3 months after launch, depending on provincial and bank quotas.
Keep visiting the SBP housing portal and your bank branch for live updates.

Benefits of the Mera Ghar Mera Ashiana Scheme

This program isn’t just a loan — it’s an empowerment tool for Pakistan’s working class.

Top benefits include:

• Affordable housing made possible through low markup

• Reduced financial pressure via long-term repayment options

• Government risk-sharing to ensure smooth bank approvals

• Encourages real estate development and job creation

• Supports families in owning their first-ever home

This initiative allows thousands of Pakistanis to shift from renting to owning, promoting stability and financial independence.

Also Read: Green Meter Price in Pakistan — October 2025 Update (Net-Metering Cost, Fees & Packages)

Important Things to Remember

While the scheme is a big opportunity, applicants should consider the following:

• Banks will review your income and credit score before approval.

• Ensure your property is legally approved by the relevant authority.

• Stay alert for official deadlines and subsidy policy changes.

• Keep all documents updated to avoid rejection.

Helpline & Support

Need help applying? Contact your nearest participating bank or the State Bank of Pakistan housing finance division for assistance.

You can also check the latest updates on:
🔗 www.sbp.org.pk

Final Thoughts

The SBP Mera Ghar Mera Ashiana Loan Scheme 2025 is a life-changing opportunity for Pakistani families to own their dream home at affordable costs.
With flexible terms, government subsidies, and simplified registration, it’s one of the best home financing options available right now.