Mera Pakistan Mera Ghar Scheme 2025, House is a basic need, in a country like Pakistan where lakhs of people live, we are facing inflation, being the owner of a house is considered a dream, due to inflation it has become difficult to build one’s own house, due to which the government has formed a scheme (MPMG) schemeThe aim of this scheme is to help people with low income to build their own houses. The government has taken help from this scheme through which people with low income can easily build their houses.
Also read : Mera Pakistan Mera GharEligibility Criteria for Mera Pakistan Mera Ghar Scheme 2025
Citizenship
🟢 Applicant must be a Pakistani citizen and must have a valid CNIC.
First-Time Home Buyer
🏠 This is for those people who are not the owners of a house. Those who already own a house are not included in this group.
Income Level
| 🔢 Tier | 💰 Monthly Household Income Range | 🏠 Eligible Group |
|---|---|---|
| 🟢 Tier 1 (T1) | Up to PKR 50,000 | Low-income families |
| 🟡 Tier 2 (T2) | Up to PKR 100,000 | Lower-middle income |
| 🟠 Tier 3 (T3) | Up to PKR 200,000 | Middle-income group |
Age Limit for Mera Pakistan Mera Ghar Scheme 2025
📌 This is really for those people whose age is between 20 to 60 years; this kind of work is not included in this age group.
Property Ownership for Mera Pakistan Mera Ghar Scheme 2025
🏠 People can use this scheme only for their own residential use; no changes can be made in the loan amount for this type of property.
Bankable Profile
🏠♿ Applicants for the handicapped housing scheme must meet specific eligibility criteria before applying.
Required Documents for Mera Pakistan Mera Ghar Scheme 2025
To apply for the MPMG housing scheme, you’ll need to provide the following documentation:
For Salaried Individuals:
🪪 Copy of CNIC (Computerized National Identity Card)
📷 Recent passport-size photographs
📄 Proof of employment (employment letter or service certificate)
💰 Latest salary slips (last 3–6 months)
🏦 Bank statements showing salary deposits
🧾 Tax documents or NTN (if applicable)
Also read : Benazir Kafalat Program June 2025 – Good Update with Complete CNIC Check & Payment Guide
For Self-Employed Individuals:Mera Pakistan Mera Ghar Scheme 2025
🪪 Copy of CNIC (Computerized National Identity Card)
📷 Recent passport-size photographs
🧾 Business registration documents (if applicable)
🏦 Bank statements (last 6–12 months)
💼 Proof of income or business earnings (invoices, contracts, etc.)
📊 Tax returns or NTN
Property Documents (when finalized):Mera Pakistan Mera Ghar Scheme 2025
📑 Sale agreement or builder’s booking letter
🏠 Title deed (ownership papers)
🏗️ Approved building plan
🏡 Completion certificate (for constructed homes)
📈 Property valuation report (may be arranged by the bank)
How to Apply – Step-by-Step Process for Mera Pakistan Mera Ghar Scheme 2025
Applying for the Mera Pakistan Mera Ghar scheme is relatively straightforward. The government has kept some people to understand this scheme so that people can achieve this benefit
Step 1: Research & Planning
Before applying, assess your income and savings to determine how much you can afford to pay monthly. Research property prices in your desired area and select the most suitable bank offering the MPMG scheme.
Step 2: Visit the Bank
Visit a participating bank’s branch or website. Most major banks in Pakistan are part of this scheme, including:
Mera Pakistan Mera Ghar Scheme 2025
🏛️ National Bank of Pakistan (NBP)
🏛️ Habib Bank Limited (HBL)
🏛️ United Bank Limited (UBL)
🏛️ Bank Alfalah
🕌 Meezan Bank (for Islamic financing)
🏛️ Askari Bank
🏛️ MCB Bank
🏛️ Allied Bank Limited
Step 3: Submit the Application
Fill out the housing finance application form provided by the bank. You’ll need to attach all the required documents listed earlier.
Step 4: Income & Credit Evaluation
The bank will assess your financial capacity based on income documents and credit history. This includes verifying your employment or business, income levels, and debt burden ratio (DBR).
Step 5: Property Valuation & Legal Check
📈 Conduct a valuation of the property
To assess its current market worth and ensure it aligns with the loan amount.
⚖️ Perform a legal check
To confirm that the property title is clear and not involved in any legal dispute.
Step 6: Final Approval and Agreement Signing
Once everything checks out, the bank will give final approval. You’ll sign the loan agreement, after which the funds will be disbursed directly to the seller or builder.
The repayment period ranges between 5 to 20 years, with monthly installments calculated based on your loan amount and tier.
Financing Tiers and Markup Rates for Mera Pakistan Mera Ghar Scheme 2025
| 🔢 Tier | 💰 Loan Amount | 💹 Markup Rate (Customer) | 📅 Tenure |
|---|---|---|---|
| T1 | Up to PKR 2.7 million | 3% for first 5 years, then 5% | Up to 20 years |
| T2 | Up to PKR 6 million | 5% for first 5 years, then 7% | Up to 20 years |
| T3 | Up to PKR 10 million | 7% for first 5 years, then market rate | Up to 20 years |
Benefits of the Scheme for Mera Pakistan Mera Ghar Scheme 2025
🌟 Key Benefits of the Housing Scheme
- 💸 Subsidized Interest Rates
Far lower than regular market housing loan rates, making home ownership more affordable. - 📆 Easy Monthly Installments
Fixed markup for the first 5 to 10 years enables better financial planning and stability. - 🏠 Encouragement for First-Time Homeowners
Helps individuals and families escape the rent cycle and own their first home. - 🏗️ Boost to Construction Sector
Stimulates economic activity and creates job opportunities in construction and allied industries. - 🏦 Financial Inclusion
Encourages more people to engage with formal banking channels, improving access to credit and financial services.
Challenges & Limitations for Mera Pakistan Mera Ghar Scheme 2025
⚠️ Challenges and Limitations of the Housing Scheme
📈 Markup Increase After Initial Period
Interest/markup rates may rise after the subsidized 5–10 year period, increasing monthly installments.
📑 Strict Documentation Requirements
Especially difficult for informal workers or individuals with irregular income to meet all criteria.
⏳ Delays in Processing
Time-consuming due to verification steps, legal checks on the property, and other procedural bottlenecks.
📍 Limited Availability in Some Areas
Not all housing projects or builders are registered or eligible under the scheme, restricting options.
Conclusion
The Mera Pakistan Mera Ghar Housing Finance Scheme is a bold and promising step towards improving home ownership in Pakistan. It provides a practical solution for thousands of low- and middle-income families struggling with rising rental costs and unaffordable property prices.
While the process may seem complicated at first, proper guidance and documentation can lead to successful loan approval and home ownership. With a long-term vision, the scheme not only provides housing but also serves as a tool for economic development, social stability, and national progress.
For any prospective applicant, the key is to do your research, organize your paperwork, and consult your bank to ensure a smooth application process. With government support and increasing bank participation, the dream of home ownership is now within the reach of millions of Pakistanis.
