How To Apply Mera Ghar Mera Ashiana Loan Scheme 2026 | Eligibility & Benefits

If you want to be a part of this scheme, then in this article, we will tell you some rules and regulations, required documents to apply for Mera Ghar Mera Ashiana Loan Scheme 2026, with the help of which you can apply for the Mera Ghar Mera Ashiana Scheme 2026.

The Mera Ghar Mera Ashiana Loan Scheme is for those people who do not have their own house or do not have the amount to buy or build their own house. This scheme has been launched by the Government of Punjab.

Mera Ghar Mera Ashiana Loan Scheme 2026 is a great housing program launched by the State Bank of Pakistan (SBP) so that low and middle-income families can build or buy their own homes.

The main objective of this scheme is to provide every Pakistani with an affordable house where they can live comfortably with their family.

This program is part of the Government of Punjab, which is allowing every citizen to own a home through the Apna Ghar Sab Ka Ghar mission, that too at a low markup rate and with easy monthly installments.

Main Objectives Of Mera Ghar Mera Ashiana

Some of the objectives of the Mera Ghar Mera Ashiana Scheme 2026 have been set, including providing an opportunity for low and middle-income people to own a home, promoting real estate and low construction industries, strengthening the record economy, etc.

• Providing home loans to low and middle-income people.
• Providing every Pakistani with the opportunity to own a home.
• Promoting the real estate and construction industry.
• Creating employment and strengthening the economy.

Mera Ghar Mera Ashiana Scheme Supervision

This scheme is being run by the State Bank of Pakistan, which includes all the major banks of the country, including National Bank of Pakistan, Bank of Punjab, Habib Bank Limited, Meezan Bank, Allied Bank, MCB Bank, Bank Habib, and many other commercial and Islamic banks.

• National Bank of Pakistan
• Bank of Punjab
• Habib Bank Limited
• Meezan Bank
• Allied Bank
• MCB Bank
• Bank Al Habib
• Many other commercial and Islamic banks.

PM Pakistan & CM Punjab Vision

Punjab CM Maryam Nawaz has said that every Pakistani has the right to own a house. This scheme is for those people who have been dreaming of owning their own house for a long time.

The government aims to provide houses to millions of families by 2030.According to the government message, the goal of the scheme is to empower every Pakistani family to own a home with dignity.

The prime minister of Pakistan and Chief Minister of Punjab, Maryam Nawaz, have emphasized housing as a basic right for all citizens and a step towards a stable and prosperous Pakistan

Loan Categories(Tiers)

There are three main zone categories within the Peace Scheme, which are differentiated based on the applicant’s income and property size: Tier One: Low Income, Naya Pakistan Housing, Tier Two: Middle Income Group, Tier Three: Upper Middle Income.

• Tier 1 (Low Income / Naya Pakistan Housing)

1. House Size: Up to 125 sq. yards (Almost 5 marla).
2. Apartment Size: 850 sq ft.
3. Maximum Loan Limit: Rs 2.7 million.
4. Markup Rate: First 5 years 2% per annum, 6th to 10th Years 4% annum.

• Tier 2 (Middle Income Group)

1. House Size: 5 to 10 marla.
2. Maximum Loan Limit: Rs. 6 Million.
3. Markup Rate: First 5 years 5% per annum, 6th to 10th years 7% per annum.

• Tier 3 (Upper Middle Income)

1. House Size: Up to 1 kanal
2. Maximum Loan Limit: Rs. 10 million
3. Markup Rate: First 5 years 7% per annum, 6th to 10th years 9% per annum

Eligibility Criteria

For the Mera Ghar Mera Ashiana Scheme 2025, the applicant has to fulfill some basic conditions, which include nationality, age limit, property ownership, and loan purpose.

1. Nationality: Applicants must be Pakistani citizens, and non-Pakistani citizens can also apply.
2. Age limit: 25 to 60 years for salaried persons and up to 65 years for business.
3. Monthly Income: Tier 1: Rs. 60,000 Tier 2: Rs. 120,000 Tier 3: Above Rs. 200,000
4. Property Ownership: The house or plot should be in the name of the applicant.
5. Loan Purpose: Buying a new house, Building a house on your own land, Extending or renovating an old house

Mera Ghar Mera Ashiana Required Documents for applying

While applying for Mera Ghar Mera Ashiyana Scheme 2025, the applicant needs some documents, which are the first requirement to fulfill, which include a CNIC copy, two passport-size photos, a salary slip or incomparable property documents, a six-month bank statement, copy of the utility bill.

1. CNIC Copy
2. 2 Passport-size photo
3. Salary slip
4. Property Documents / Land papers
5. Bank Statement for 6 months
6. Utility bill copy for address verification

How to apply Online Mera Ghar Mera Ashiana Loan Scheme

If you want to apply for the Mera Ghar Mera Ashiana Loan Scheme 2025, then there is an online and offline process for it. In the offline process, you have to go to any participating bank and get the Mera Ghar Mera Ashiana form and fill it in. In the online process, some banks also provide an online pre-qualification form where the applicant can check their eligibility by filling in their basic information.

1. Visit any branch of any participating bank, NBP, HBL, BOP, Meezan Bank, etc.
2. Get Mera Ghar Mera Ashiana Loan Application Form.
3. Fill out the form and attach the required documents.
4. The bank will verify your income and documents.
5. Payment is transferred as soon as the loan is approved, after verification.

Online Process: Some banks also provide online pre-qualification forms where applicants can check their eligibility by filling in their basic information.

Benefits Of Mera Ghar Mera Ashiana Scheme 2026

There are many benefits of the Mera Ghar Mera Ashiana Scheme 2026, some of which are mentioned below in this article, including government subsidies, easy monthly installments, and the option to buy, build, or renovate a house.

• Benefit from low mark-up rates and government subsidies
• Easy monthly installments and long tenures up to 20 years
• Option to buy, build, or renovate a house
• Both salaried and self-employed can apply.
• Government Back Risk Sharing Facility Special Encouragement for Women and Youth Applicants

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Also Read:

• Apna Ghar Apni Chat Scheme

• Apni Zameen Apna Ghar Scheme

• CM Kissan Card Scheme

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Repayment Period of Mera Ghar Mera Ashiana

The repayment period of the Mera Ghar Mera Ashiana 2026 loan scheme is a maximum of 20 years and a minimum of five years. If the applicant wishes, he can also make early repayment without incurring a penalty.

• Minimum: 5 Years
• Maximum: 20 Years
• If the applicant wishes, he can also make an early repayment without incurring a penalty.

Role of the State Bank of Pakistan

State Bank of Pakistan ensures that all banks follow transparent processes. State Bank of Pakistan provides subsidies so that low-income families can get loans at low mark-ups. SBP provides risk-sharing facilities and subsidies to reduce the burden on banks and customers.

Important Dates

1. Launch Year: 2026
2. Registration: Registration is now open.
3. Last Date: The State Bank of Pakistan will make an announcement soon.

Conclusion

Mera Ghar Mera Ashiana Loan Scheme 2026 by the State Bank of Pakistan is a golden opportunity for all those who want to own their own home. With low mark-up, long tenure, and easy installments, this program gives every Pakistani the opportunity to own their own home.

If you also want to own your own home, then go to your nearest Nayar Rest Bank branch today and apply. This scheme is for the people of Pakistan who want a better future for their children. Thanks for visiting this page.

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FAQs

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