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Overview – Mera Ghar – Mera Ashiana

The State Bank of Pakistan has announced Markup Subsidy Scheme for Housing Finance, named Mera Ghar – Mera Ashiana, through SH&SFD Circular No. 03 of 2025 dated September 24, 2025, with the aim of promoting affordable housing finance.

Mera Ghar – Mera Ashiana provides access to institutional housing finance to meet the basic housing needs of resident Pakistani citizens. To facilitate long-term, affordable housing funding for up to 20 years—including a 10-year subsidy period—the scheme offers housing finance at a subsidized markup rate to first-time homeowners for:

  • Houses up to 5 Marla

  • Flats or apartments up to 1,360 sq. ft.

  • Purchase of a house or flat

  • Construction of a house on an already owned plot

  • Purchase of a plot and construction of a house thereon

  • Tier 1 (T1) = Up to PKR 2.0 Million
  • Tier 2 (T2) = Above PKR 2.0 Million and up to PKR 3.5 Million

  • Tier 1: 5%
  • Tier 2: 8%

  • 20 years (subsidy for 10 years)

  • All citizens of Pakistan holding valid CNIC and not already owning any house in their name
  • Having per month net disposable income of minimum Rs.37,000/-
  • Salaried as well as self-employed individuals can apply
  • 25 to 60 years of age (at the time of maturity of financing the age should not be more than 60 years for salaried individuals and 65 years for self-employed individuals)
  • Loan-to-Value (LTV) Ratio: 90% loan and 10% equity.
  • Subsidized markup rates of 5% and 8% for first ten years of financing
  • No Processing Cost and No Prepayment Penalty