The Government of Pakistan, in collaboration with the State Bank of Pakistan, has launched the Mera Ghar – Mera Ashiana scheme to make affordable housing accessible to low and middle-income citizens. Through this scheme, customers can now purchase or construct their dream home with subsidized markup rates and risk-sharing support.

Key Features

Purpose:

• Purchase of a house or flat
• Construction on an owned plot
• Purchase of plot and construction of house

Size of Housing Unit:

• House: Up to 5 Marla
• Flat/Apartment: Up to 1,360 sq. ft.

Loan Amount:

• Tier 1: Up to PKR 2.0 Million
• Tier 2: Above PKR 2.0 Million and up to PKR 3.5 Million

Loan Tenure:

• Up to 20 years (markup subsidy applicable for the first 10 years)

Markup Rate for Customer:

• Tier 1: 5% (Fixed)
• Tier 2: 8% (Fixed)

Bank Charges:

• No processing cost
• No prepayment penalty

Eligibility Criteria

• Must be a citizen of Pakistan holding a valid CNIC
• Must be a first-time homeowner (should not own any housing unit in their name)

How to Apply

Visit your nearest Khushhali Microfinance Bank branch to learn more about eligibility, documentation, and the simple application process under the Mera Ghar – Mera Ashiana scheme.