House Loan

Mera Pakistan Mera Ghar Housing Scheme Full Guide

Mera Pakistan Mera Ghar Housing Scheme

Housing developments play an integral part in a nation’s financial progression by adding to GDP development, job creation, and also social welfare. In addition, more than 40 companies as well as 70% of unskilled labour are connected to the housing and building zone.

Mera Pakistan Mera Ghar
Mera Pakistan Mera Ghar

This is why Pakistan’s Head of state has launched a remarkable move to assist the people of the nation with a cost-effective as well as outstanding housing loan program. The objective of this is to aid Pakistanis that are living listed below the poverty level. read more about all house loan in Pakistan


Mera Pakistan Mera Ghar is a long-lasting house financing strategy based upon Shariah concepts of musharakah decrease. This one-of-a-kind technique was provided to the nation as an inexpensive house financing system. There are a number of financial institutions in Pakistan that deal various house finances; nevertheless, under this plan, SBP has collaborated with every bank in the country.


Mera Ghar Mera Pakistan, typically referred to as the Apna Ghar loan Scheme, allows interested events to look for a funding if they so need. Check out 5 Lakh Loan without Interest in Pakistan

  • Purchase a house
  • Acquisition a land as well as build a home
  • Build a home
  • Existing home development

If you are an individual intending to carry out any of the above jobs, you may request this financing; but, if you are wanting to simply remodel your house, this strategy will not have the ability to assist you.

Read our post on Fast Loan APPs in Pakistan


The loan’s repayment period can be chosen by the individual, but it cannot be less than five years or more than 20 years, as stated by the State Bank of Pakistan (SBP).


  • 0-tier of the system will be provided by non-NAPHDA microfinance banks (Naya Pakistan Real Estate and also Advancement Authority). This tier allows you to build or purchase a residence of approximately 125 square yards (5 Marla) or a home of approximately 1,250 square lawns.The optimum tier of a residence unit is not restricted, nonetheless you might just look for a financing of Rs. 2.0 million in this tier.

5% for first 5-years & 7% for next 5-years

  • You can easily apply for a tier 1 car loan from any type of bank under the NAPHDA project for a residence of up to 125 square backyards or an apartment or condo of up to 850 square feet. This rate will relate to newly constructed real estate units built within the last year from the date of application.The optimum cost for a real estate unit in this tier is Rs. 3.5 million, and also the maximum financing dimension readily available is Rs. 2.7 million.

3% for first-5 years & 5% for next 5-years

  • 2-Tier This can be financed by any type of industrial financial institution under non-NAPHDA conditions. This tier enables you to finance a house of approximately 125 square yards and also a house of approximately 1,250 square feet.The optimum real estate unit price is not specified; nonetheless, the optimum funding dimension is PKR 6.0 million.

5% for first 5-years & 7% for next 5-years

  • Tier 3 projects, like tier 1, can be funded by industrial financial institutions under non-NAPHDA programmes. tier 4 is open to anyone seeking for a residence of up to 250 square backyards (10 Marla) or a home of up to 2,000 square feet.The federal government of Pakistan has not set any type of borders on the optimum tier of a residence; however, there is a funding quantity limitation of PKR 10.0 million.

7% for first 5-years & 9% for next 5-years

List of Banks for Mera Ghar Scheme

  • National Bank Limited (NBP)
  • Meezan Bank
  • Bank Alfalah
  • Standard Chartered
  • Bank AL Habib Limited
  • Bank of Punjab (BoP)
  • United Bank Limited (UBL)
  • Askari Bank
  • Bank of Khyber (BoK)
  • Faysal Bank

Final Words

Our blog on the low-income housing plan loan in Pakistan proposal. You are now informed of all the major elements you need to know about this programme before applying, from the loan amount and pricing rates to home insurance.

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