Mera Pakistan Mera Ghar program is a major initiative by the government that enables low-income and poor citizens to own their new home with low subsidies and flexible payments.This scheme was launched in 2025 with the aim of building new homes for homeless people.In the year 2025, you will get all the information from this article like who is eligible for it, who will benefit from it, how will it be benefited and who will be affected by it.
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Table of Contents
💡 Key Features of the Mera Pakistan Mera Ghar
💰 The loan amount in this program is from Rs. 2 lakh to Rs. 10 lakh.
📉 In this program, the markup rate on the loan amount starts at less than 3% for up to 5 years.
🗓️ In this program, the loan amount can be easily repaid over a period of 20 years.
🏠 In this program, loan money is provided for purchase, construction, and renovation.
📊 This program covers the interest rate up to a fraction of the loan amount.
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📊 Loan Tiers and Markup Rates of Mera Pakistan Mera Ghar
🏛️ The government gives you 3 tiers in this program:
| 🏷️ Tier | 📏 Housing Unit Size | 💰 Max Loan Size | 📉 Markup Rate (Year 1–5) | 📈 Markup Rate (Year 6–10) |
|---|---|---|---|---|
| 🔹 Tier 1 | Up to 125 sq. yd | PKR 3 Million | 3% | 5% |
| 🔸 Tier 2 | Up to 250 sq. yd | PKR 6 Million | 5% | 7% |
| 🔺 Tier 3 | Up to 500 sq. yd | PKR 10 Million | 7% | Market Rate |
🏦 Participating Banks in Mera Pakistan Mera Ghar
🏛️Following are the banks which are including in this scheme:
🏢 National Bank of Pakistan (NBP)
🏢 Habib Bank Limited (HBL)
🏢 Bank Alfalah
🕌 Meezan Bank (Islamic Financing Available)
🏢 United Bank Limited (UBL)
🏢 MCB Bank
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📄 Required Documents for Mera Pakistan Mera Ghar
📑 All applicants must have these documents:
For this scheme, you must have a copy of your CNIC.
To apply for this scheme, you must have a current passport size photograph.
You must have proof of income to use this scheme.
Your land papers will be covered under this scheme.
You must have a utility bill to use this scheme.
You must have business proof to use this scheme.
📈 Scheme Impact So Far
| 📌 Milestone | 📈 Details |
|---|---|
| 📝 Applications Received | 400,000+ |
| ✅ Loans Approved | 85,000+ |
| 💸 Total Loan Amount Disbursed | Over PKR 120 Billion |
| 🏗️ Jobs Created in Construction Sector | Thousands of employment opportunities generated |
| 👩💼 Women Empowerment Through Home Ownership | Many women gained independent housing ownership |
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📞 Helpline & Support
📞 Please contact him for any assistance.
📞 Mera Pakistan Mera Ghar Helpline: 0337-7234444
🌐 SBP Housing Portal: www.sbp.org.pk/MPMG
📧 Email: mpmg.support@sbp.org.pk
🏡 Final Thoughts
Mera Pakistan Mera Ghar is a construction initiative by the Government of Pakistan that enables poor and low-income families to own their own homes, thereby helping to reduce the number of homeless people in the country.Apply for this scheme today with low markup and easy application and get ready for your new home.If you are also eligible for this scheme, take advantage of it and make it your home.
🔹 What is the Mera Pakistan Mera Ghar Scheme?
Mera Pakistan Mera Ghar (MPMG) is a government-backed housing finance initiative launched to provide low- and middle-income citizens with access to affordable housing. The scheme offers subsidized loans at low markup rates to help individuals purchase, build, or improve residential properties. It aims to bridge Pakistan’s housing gap and promote home ownership, particularly for first-time buyers.
🔹 Who is eligible to apply for the MPMG Scheme?
Eligibility criteria include:
Pakistani citizen with a valid CNIC/NICOP
First-time homeowner (must not already own a house)
Must fall within defined income tiers
Stable income source (either salaried or self-employed)
Between 25 and 60 years of age at the time of loan maturity
No prior benefit from a government housing scheme
🔹 What are the income brackets or tiers in the scheme?
There are three income tiers with different financing options:
Tier 1 (Low-income group):
Monthly income: Up to PKR 30,000–50,000
Unit size: Up to 125 sq. yd. or 850 sq. ft apartment
Loan cap: Up to PKR 3 million
Tier 2 (Middle-income group):
Monthly income: PKR 50,000–100,000
Unit size: Up to 250 sq. yd.
Loan cap: PKR 6 million
Tier 3 (Upper middle-income):
Monthly income: PKR 100,000+
Unit size: Up to 500 sq. yd.
Loan cap: PKR 10 million
🔹 What kind of property can I purchase or build through this scheme?
Eligible properties include:
Newly constructed houses or apartments
Houses to be constructed on owned plots
Expansion or renovation of an existing house (in some banks)
Residential property within approved urban or rural areas
🔹 Which banks are offering loans under Mera Pakistan Mera Ghar?
All major banks are participating in the scheme, including:
National Bank of Pakistan (NBP)
Bank Alfalah
Habib Bank Limited (HBL)
Meezan Bank
United Bank Limited (UBL)
MCB Bank
Bank of Punjab (BOP)
Allied Bank
Askari Bank
Faysal Bank
JS Bank
