SBP Mera Ghar Mera Ashiana Scheme 2025 – Easy Home Loans for Every Pakistani | October Update
The State Bank of Pakistan (SBP) has relaunched its popular Mera Ghar Mera Ashiana Scheme 2025 this October, aiming to make homeownership affordable for low and middle-income citizens. 🏡 This initiative supports the government’s mission to provide low-cost housing and improve access to easy home financing through partner banks.
🌟 What is the SBP Mera Ghar Mera Ashiana Scheme?
The SBP Mera Ghar Mera Ashiana Scheme is a subsidized home loan program designed for people who wish to buy, build, or renovate their own house. Under this scheme, banks provide financing at lower interest rates, with longer repayment periods and flexible terms.
It’s a great opportunity for those who dream of owning a house but cannot afford high commercial interest rates.
💰 SBP Home Loan Categories
Here’s a quick look at the loan categories available under this scheme 👇
| Category | Loan Amount | Tenure | Markup Rate (Approx.) |
|---|---|---|---|
| Tier 1 | Up to PKR 3 million | Up to 20 years | 3% – 5% |
| Tier 2 | Up to PKR 6 million | Up to 20 years | 5% – 7% |
| Tier 3 | Up to PKR 10 million | Up to 25 years | 7% – 9% |
🏗️ Who Can Apply?
To qualify for the Mera Ghar Mera Ashiana Scheme 2025, applicants must:
- Be Pakistani citizens (including overseas Pakistanis).
- Not own any other residential property.
- Have a valid CNIC and proof of income.
- Apply through SBP-partner banks like HBL, Meezan Bank, UBL, MCB, and others.
This scheme especially targets first-time homeowners, making it easier for young families and salaried individuals to start fresh. 🌿
🏠 Benefits of the Scheme
✅ Affordable monthly installments due to lower markup rates.
✅ Long repayment period (up to 25 years).
✅ Government-backed subsidy ensures financial security.
✅ Encourages construction activity and job creation in the housing sector.
These benefits make it one of the most attractive home financing options in Pakistan right now.
🔍 October 2025 Update
In October 2025, the SBP confirmed an increase in loan limits and simplified documentation to make the process faster and more transparent. Banks have also been directed to improve customer service desks for housing finance applicants.
🏡 Final Words
The SBP Mera Ghar Mera Ashiana Scheme 2025 is not just a loan — it’s a pathway to financial independence and stability. With reduced rates, improved policies, and easier access, this scheme is turning the dream of a “Mera Ghar” into a reality for thousands of Pakistanis. 💚
