SBP Mera Ghar Mera Ashiana Scheme 2025 – Complete Guide to Apply for Government Housing Loan & Check Eligibility
The SBP Mera Ghar Mera Ashiana Scheme 2025 has officially been relaunched with major improvements to help low and middle-income families finally own a safe, decent, and affordable home. Backed by the State Bank of Pakistan (SBP), this scheme offers low-markup home loans, simplified documentation, and financing options for buying, building, or renovating a house.
If you have always dreamed of “Apna Ghar”, this government-supported housing facility is one of the most powerful opportunities available in 2025.
This comprehensive guide explains loan amounts, updated markup rates, income tiers, eligibility criteria, application steps, documentation, partner banks, and how to track your loan status—everything you need to apply confidently.
What Is SBP Mera Ghar Mera Ashiana Scheme 2025?
The Mera Ghar Mera Ashiana initiative is part of SBP’s Government Markup Subsidy Program, designed to make housing affordable for every eligible Pakistani. The scheme enables citizens to:
- Build a house on their own land
- Buy a new house or flat
- Renovate an existing home
With subsidized interest rates as low as 2%, the scheme ensures that even families with limited monthly income can manage long-term home financing.
Join Our WhatsApp ChannelThis program is strongly aligned with the government’s national housing mission of “Har Pakistani Ka Apna Ghar.”
Why This Scheme Matters in 2025
Compared to previous years, the 2025 relaunch comes with:
- Simplified loan assessment
- Improved transparency
- Faster loan approvals
- Wider bank participation
- Clear income-based markup tiers
The goal is to help millions of Pakistani families who are stuck between high commercial loan rates and rising property prices.
SBP Mera Ghar Mera Ashiana Scheme 2025 – Key Features
| Feature | Details |
| Loan Amount | Up to Rs. 10 million (as per income tier) |
| Markup Rate | Starts from 2% for low-income households |
| Loan Tenure | Up to 20 years |
| Financing Options | Buy, build, or renovate |
| Collateral | Financed property acts as security |
| Eligible Applicants | Salaried, self-employed & informal earners |
| Participating Banks | All SBP-licensed commercial & Islamic banks |
These features make the scheme flexible, affordable, and easy to apply for, even if you do not have a traditional salary structure.
Updated Markup Rates 2025 – Income-Based Tiers
The government has introduced fixed and affordable markup rates for different income groups.
| Tier | Monthly Income | Loan Limit | Fixed Markup |
| Tier 1 | Up to Rs. 60,000 | Up to Rs. 2.7 million | 2% |
| Tier 2 | Rs. 60,001 – 120,000 | Up to Rs. 6 million | 4% |
| Tier 3 | Above Rs. 120,000 | Up to Rs. 10 million | 6% |
📌 Your monthly installment remains fixed and protected—even if market interest rates go up.
Eligibility Criteria for SBP Mera Ghar Mera Ashiana Scheme 2025
To qualify, applicants must meet the following requirements:
1. Pakistani Citizenship
A valid CNIC is mandatory.
2. First Home Condition
You must not already own a residential property.
3. Age Requirement
Applicants must be 25 to 60 years old.
4. Income Proof
Any of the following are acceptable:
- Salary slips
- Business records
- Bank statements
- Affidavit (for informal workers)
5. Property Requirements
The property must be located within the SBP-approved areas in Pakistan.
Joint applications (e.g., husband + wife) are also allowed.
Loan Purposes Allowed Under the Scheme
| Purpose | Description |
| Construction Loan | Build a new house on your own land |
| Purchase Loan | Buy a newly constructed house, flat, or apartment |
| Renovation Loan | Upgrade or repair an existing home |
This makes the scheme suitable for new buyers, landowners, and families needing repairs.
How to Apply for Mera Ghar Mera Ashiana Scheme 2025 (Step-by-Step)
Applying is now more streamlined, with both online and branch-based options.
Step 1: Select a Participating Bank
Visit any major bank such as:
- HBL
- UBL
- NBP
- Meezan Bank
- Bank Alfalah
- MCB
- ABL
Each bank has a dedicated SBP Housing Desk.
Step 2: Request the Mera Ghar Mera Ashiana Application Form
Step 3: Fill in Applicant & Property Details
Step 4: Attach Required Documents
Documents Needed:
- CNIC copy
- Salary slips / business proof
- Bank statements (last 6 months)
- Property ownership papers / sales agreement
- Recent photographs
- Utility bills (optional but helpful)
Step 5: Bank Verification
Your income and property documents are verified by the bank.
Step 6: Loan Approval & Disbursement
After verification, you receive a loan sanction letter, followed by disbursement.
How to Check SBP Housing Loan Application Status
Applicants can track their loan status through:
- Bank branch
- Official bank app
- SMS alerts
- Customer care helpline
- SBP housing support desk
You will receive updates such as:
- Under Review
- Approved
- Disbursed
Partner Banks Offering Mera Ghar Mera Ashiana Financing
All SBP-regulated banks are participating, including:
- HBL
- UBL
- NBP
- Meezan Bank (Islamic Financing)
- Bank Alfalah
- MCB
- Allied Bank Limited
- Other Islamic and commercial banks
Specialized housing representatives are available to assist applicants throughout the process.
Benefits of Mera Ghar Mera Ashiana Scheme 2025
- Low markup & long tenure makes installments easier
- Government subsidy protects you from increasing interest rates
- Simple documentation compared to normal bank loans
- Islamic financing available
- Boosts construction industry and creates jobs
- Supports national housing initiative
This scheme is a life-changing opportunity for families stuck in rent cycles or unable to afford commercial loan rates.
Final Thoughts
The SBP Mera Ghar Mera Ashiana Scheme 2025 is one of Pakistan’s most promising and impact-driven housing programs. Whether you want to buy, build, or renovate your home, the affordable markup, long-term repayment, and government support make this the ideal time to apply.
If you meet the eligibility criteria, don’t delay—visit your nearest bank and start your application today.
Your dream of “Apna Ghar” is closer than ever.
