“In continuation of Mera Ghar Mera Ashiana 2026, the SBP with the cooperation of GOP has announced extending the scheme up to 2026 by refocusing low and middle income group families. The program will help those who otherwise cannot afford to construct or purchase a house.
The markup rates have been maintained at the lowest possible levels, under January 2026 revisions so that monthly installments are affordable for commoners. The initiative has been launched to facilitate the ownership of houses by the common man through providing financial and technical assistance.
Online Apply Mera Ghar Mera Ashiana Home Loan 2026
Quick Details: Mera Ghar Mera Ashiana 2026
The key features of the scheme are summarised as follows:
- Loan Amount: Rs. 500,000 to Rs. 3,500,000
- Loan Tenure: 5 years to 20 years
- Subsidized Markup Rate:
- 5% for Tier 1
- 8% for Tier 2 (for the first 10 years)
- Deposit: 10% only (90% by the bank)
- Processing Fee: Zero / Nil
- Property Size Limit:
- Up to 5 Marla (House)
- Up to 1,360 sq. ft. (Flat)
With these benefits, the scheme is among the cheapest housing finance solutions in Pakistan.
Scheme ki Tafseel aur Tiers
The housing loan is divided by the government into two main levels to cater for the various income groups:
- Tier 1 (T1):This is for those under the category of applicants wanting loans up to Rs 2 million. First 10 years’ fixed rate at 5% is beneficial to low income families.
- Tier 2 (T2):Target Audience: People looking for a home loan amount ranging from INR 20,00,000 to INR 35,00,000. The mark-up factor is 8% for the first 10 years.
The KIBOR + 3% rate only takes effect after the first 10 years of interest free subsidy, by which time majority of the defaulters would have deamortized significant part of their loans.
Eligibility Criteria (Kaun Apply Kar Sakta Hai?)
For the January 2026 policy, candidates will be required to fulfil the following:
- Should be a first-time homebuyer (no existing house or constructed plot should be in applicant’s name)
- Must hold a valid NADRA CNIC
- Minimum monthly salary: Rs. 40,000 (both salaried and self-employed applicants are eligible)
- Age limit:
- Salaried people: Between 23 years and 60 years.
- Business/self-employed persons: age 21-65 years. By meeting these requirements, approvals are much more likely and things will move much faster.
| Blue Application Form for Formal Business (English Language) | Click here to view |
| Blue Application Form for Formal Business (Urdu Language) | Click here to view |
| Green Application Form for Formal Salaried Person (English Language) | Click here to view |
| Green Application Form for Formal Salaried Person (Urdu Language) | Click here to view |
| Pink Application Form for Informal Income Person (English Language) | Click here to view |
| Pink Application Form for Informal Income Person (Urdu Language) | Click here to view |
Online Apply aur Registration ka Tareeqa
Applying is simple and mostly online:
- Bank Visit:
Simply go to any of the participating commercial or microfinance bank such as HBL, MCB, Bank Alfalah, JS Bank etc. - Application Form:
Complete and submit the official Mera Ghar Mera Ashiana application, which can be obtained from branches or downloaded from bank websites. - Required Documents:
- CNIC copy
- Two recent photographs
- Proof of income (salary slip or proof of business)
- Property documents (if available)
- Verification Process:
The bank also checks applicants and property. Loans are normally cleared in 30 to 45 days.
Is Scheme ke Fayde
The program comes with a number of borrower-friendly advantages:
- No Prepayment Fee: You can make early repayment to EMI without any extra charge
- Life Insurance / Takaful: There are many banks that provide life insurance coverage free with the loan.
- Construction Facility: Loan can also be taken for constructing a house on an existing plot, not only to buy one.
Important Note:
For FY 2025–26, the government has set a quota of about 50,000 houses which is processed on first come first served basis.
What is NBP Mera Ghar Mera Ashiana Scheme?
Mera Ghar Mera Ashiana Scheme by NBP is a housing finance scheme introduced in alliance with State Bank of Pakistan. Salaried persons, self-employed professionals and workers in the informal sector can purchase, construct or extend a house with subsidised mark-up rates.
The solution complies well with the Pakistani Government’s low cost hous
- NBP (National Bank of Pakistan) – NBP Online Apply
- HBL (Habib Bank Limited) – HBL Housing Finance
- BOP (Bank of Punjab) – BOP Housing Scheme
- ABL (Allied Bank Limited) – ABL Housing Finance
Key Features of NBP Mera Ghar Mera Ashiana Scheme
Key advantages include:
- Interest from 3%-7% per year on markup ratio
- Loan tenure of up to 20 years
- Funding up to Rs 1 crore
- Salaried/Self- Employed applicant Can Apply for this Offer
- Compra, construccion or renovation Use for purchase, construction or renovation
- Transparent verification and simplified documentation
NBP Housing Loan Categories
NBP provides different categories of loans in accordance with the type of house:
- T1: Affordable housing by NAPHDA (below Rs. 2.7 million, 3%–5% margin)
- Tier 2 (T2): Urban housing other than NAPHDA: Rs.
- Tier 3 (t3): Other housing (up to Rs. 10 million, margin of 7%–9%)
Eligibility Criteria for NBP Mera Ghar Mera Ashiana Loan
Applicants must:
- Must be a Pakistani national in possession of CNIC
- (Salaried) Be 25 to 60 years.
- Thresholds for meeting monthly income by tier
- Be a first-time homeowner
- Have a clean credit history
Required Documents for Loan Application
To avoid delays, prepare:
- CNIC copies (applicant/co-applicant)
- Salary slips or income proof for past 3 months.
- Bank statements (last 6 months)
- Property documents or site plan
- Utility bills
- Two passport-size photographs
How to Apply Online for NBP Mera Ghar Mera Ashiana Scheme?
- Get the official loan form from NBP portal
- provide personal, financial and property Information accurately
- Attach required documents
- Deposit the form at your closest NBP branch
- Confirmation and inspection of the property come next before it gets approved
Benefits of Applying Through NBP
- Over 1,500 branches nationwide
- SBP-regulated and government-backed
- Affordable markup rates
- Fast processing and direct disbursement
- No commission or agents there.
Government’s Vision Behind the Mera Ghar Mera Ashiana
The Government of Pakistan is planning to address the housing backlog by funding more than 500,000 homes by 2026. It is promoting NBP and institutions like it to aid economic development, create jobs and raise living standards.
Conclusion
Promoted by SBP and availed through banks all over Pakistan, this housing finance scheme is one of the most affordable credit products available in the market!. With subsidized markup rates, easy repayment schedule and government backing, the scheme lifts some major barriers to home ownership for low-middle income families.