Mera Pakistan Mera Ghar 2025 is a very good scheme and it is specially for the poor people who do not have a house.Mera Pakistan Mera Ghar 2025 scheme has been launched by the City housing and govt and it is the best scheme so far.Under this scheme, houses are given to those who do not own their own houses.3 marla and 5 marla houses are given in this scheme.These houses are given only to those people or families who do not have any property in their name and neither their children have any property in their name.Mera Pakistan Mera Ghar 2025 is a very good scheme if you want to apply in this scheme then all the criteria for applying are listed below.
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More details are given below
Table of Contents
Who Is Eligible For Mera Pakistan Mera Ghar 2025 Scheme?
Apply for this scheme
🪪 A valid ID card and NICOP is required to apply for Mera Pakistan Mera Ghar 2025 scheme.
🏠 Only those people can apply for this scheme who do not own any house and have not previously taken any house or loan under Mera Pakistan Mera Ghar 2025 scheme.
👥 People between the ages of 25 and 60 can apply for Mera Pakistan Mera Ghar 2025 scheme.
💼 Only those people with a salary between 25,000 and 50,000 can apply for Mera Pakistan Mera Ghar 2025 scheme.
💳 Financing is offered only once per individual.
🧾 This scheme is for low-income earners and non-earners.
What Can You Finance?
Borrowers can use the facility for:
🏗️ A loan will be provided for the construction of a house that matches this scheme, and it is mandatory to complete the construction within 12 months of receiving the loan.
🧱 Acquiring a plot and building a house from the ground up.
🔧 Extending or renovating an existing home.
Scheme Tiers & Property Size Caps
| 🏷️ Tier | 🏗️ Project Type | 📐 Max Size | 💰 Max Loan |
|---|---|---|---|
| Tier 0 | Non-NAPHDA (Microfinance) | 🏠 House ≤ 125 sq yd🏢 Flat ≤ 1,250 sq ft | PKR 2 million ([BoK][1]) |
| Tier 1 | NAPHDA | 🏠 House ≤ 125 sq yd🏢 Flat ≤ 850 sq ft | PKR 2.7 million |
| Tier 2 | Non-NAPHDA | 🏠 House ≤ 125 sq yd🏢 Flat ≤ 1,250 sq ft | PKR 6 million |
| Tier 3 | Non-NAPHDA | 🏠 House ≤ 250 sq yd🏢 Flat ≤ 2,000 sq ft | PKR 10 million |
Subsidized Mark-up Rates
| 🏷️ Tier | 📆 Years 1–5 | 📆 Years 6–10 | 📆 Years 11–15 | 📈 Beyond 15 Years |
|---|---|---|---|---|
| Tier 0 | 💸 3% | 💸 5% | 🔄 Assumed | 🏦 Bank Rate + KIBOR ([Zameen][1]) |
| Tier 1 | 💸 2–3% | 💸 4–5% | 💸 5% | 📊 1-Year KIBOR + 2.5% |
| Tier 2 | 💸 5% | 💸 7% | — | 📊 1-Year KIBOR + 4% |
| Tier 3 | 💸 7% | 💸 9% | — | 📊 1-Year KIBOR + 4% |
Tenure & Repayment
⏳ You can repay the loan taken under this scheme within 5 to 20 years.
🔓 No early termination fees, offering added flexibility.
📅 Monthly installments include markup/rental payments and often property insurance or Takaful premiums.
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Participating Banks & Application Process For Mera Pakistan Mera Ghar 2025 Scheme?
📝 Fill out the form provided by the bank.
📂 Submit the required documents (CNIC, income proof, bank statements, photographs, etc.).
🏠 Submit proof of property eligibility and valuation.
🔍 Undergo standard KYC and credit checks.
⏳ Wait for initial approval and disbursement, which may take longer in non-urban regions.
How to Apply for the Mera Pakistan Mera Ghar 2025 Scheme?
🏦 Visit your nearest bank, such as HBL, UBL, Meezan Bank, Bank Al Habib, Allied Bank, or others.
📝 Fill out the financing form for the Mera Pakistan Mera Ghar Scheme.
📑 Submit the required documents:
📸 Photographs
🪪 CNIC/NICOP
💵 Salary slip or income proof
🏦 Bank statements (last 6 months)
🏠 Property documents (title deed, maps, approvals)
📤 Then, submit the completed form to the bank.
⏱️ You will receive a response soon.
Who Can Apply For Mera Pakistan Mera Ghar 2025?
🌍 Anyone who is a resident of Pakistan can apply for this scheme.
🚫 To apply for this scheme, the applicant must not have any house previously registered in their name.
🔁 The applicant must not have previously taken a loan under this scheme.
🎯 To apply for this scheme, the person must be between 25 and 60 years old.
Minimum Net Monthly Income For Mera Pakistan Mera Ghar 2025:
PKR 25,000 for salaried individuals.
PKR 50,000 for self-employed individuals.
Conclusion:
This is a very good scheme and the aim of this scheme is to help the poor people by giving them a good housing.This scheme has been taken out by Maryam Nawaz and Dog Housing and in this scheme loans are given so that people can prepare their own houses.This is really a very good scheme for poor people.It is only for those who have no house in their name and want a place to stay.
What is the Mera Pakistan Mera Ghar (MPMG) Scheme?
The MPMG Scheme is a government-backed housing finance program that offers subsidized home loans to low and middle-income Pakistanis. It helps first-time homebuyers purchase, build, or renovate a home at affordable interest rates.
Who is eligible for the MPMG scheme?
To be eligible, you must:
Be a Pakistani citizen
Be a first-time homebuyer
Not have previously availed a housing loan under this scheme
Meet income requirements (minimum PKR 25,000/month for salaried, PKR 50,000/month for self-employed)
Be between 25 and 60 years old (some banks allow up to 65 for self-employed)
What types of properties can I finance?
You can use the loan to:
Buy a new or existing house/apartment
Buy land and construct a house
Construct on an already owned plot
Renovate or expand an existing home (under some tiers)
What is the maximum loan amount I can get?
It depends on the financing tier:
Tier 0: Up to PKR 2 million
Tier 1: Up to PKR 2.7 million
Tier 2: Up to PKR 6 million
Tier 3: Up to PKR 10 million
Which banks are offering loans under MPMG?
Most commercial and Islamic banks in Pakistan are participating, including:
HBL
UBL
Meezan Bank
Bank Al Habib
Allied Bank
Askari Bank
Bank Islami
…and many others.
How do I apply?
You can apply by visiting a participating bank branch or, in some cases, online. Submit the required documents such as CNIC, income proof, bank statements, and property documents.
What documents are required?
Typical documents include:
CNIC or NICOP
Salary slip or business income proof
Recent bank statements (last 6 months)
Property ownership documents
Photographs
Employer letter (if applicable)
What is NAPHDA, and do I need to buy a house under it?
NAPHDA (Naya Pakistan Housing and Development Authority) oversees low-cost housing projects under Tier 1. You can apply for NAPHDA homes, but it’s not mandatory for Tiers 2 or 3.
