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The scheme first launched in 2025 as Mera Ghar–Mera Ashiana now operates under the official name Wazir-e-Azam Apna Ghar Program–Ghar Ho Tu Apna. Its 2026 revisions raised the maximum financing to PKR 10 million and set a 5% subsidized rate for the first 10 years; market pricing applies for the remaining term. It is a repayable housing-finance program, not a grant or free-home scheme.
What changed from the 2025 launch?
The original Mera Ghar–Mera Ashiana scheme began under State Bank of Pakistan (SBP) Circular No. 03 of 2025, dated September 24, 2025. SBP revised the financing and property limits on March 17, 2026. The Ministry of Housing and Works renamed the program on March 26, 2026, and SBP circulated the name change to participating institutions on April 1, 2026.
| Term | 2025 launch | Revised 2026 program |
|---|---|---|
| Maximum financing | PKR 2 million in Tier 1; above PKR 2 million up to PKR 3.5 million in Tier 2 | Up to PKR 10 million |
| Customer rate | 5% for Tier 1 and 8% for Tier 2 | 5% for the first 10 years; market rate for the remaining term |
| Maximum house size | Five marla | 10 marla or 2,720 square feet |
| Maximum flat/apartment size | 1,360 square feet | 1,500 square feet |
| Maximum tenor | 20 years, with subsidy for 10 years | 20 years; first 10 years at the subsidized rate, then market pricing |
The March 2026 revision also directed that existing loans disbursed at 8% be adjusted to 5%. The original loan tiers and smaller property limits are historical launch terms, not the current scheme-wide limits. Some bank pages still display the old figures; for example, NBP’s product page contains launch-era terms. For current policy, check the dated SBP circular and official program portal.
How much can you borrow, and what does 5% mean?
The revised maximum is PKR 10 million, subject to lender assessment and the program’s eligibility and property rules. The 5% end-user rate is not fixed for the entire 20-year maximum tenor: the official portal says it applies during the first 10 years, with the remaining period priced at the market rate. Ask the participating institution how it will calculate that later rate and what other loan costs apply before accepting an offer.
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The portal describes financing of up to 90% of the property value. At the maximum loan-to-value ratio, that means the borrower must contribute at least 10% of the value from other funds; the lender may require a larger contribution depending on its assessment. The portal says there is no processing fee or prepayment penalty. Confirm the lender’s treatment of other costs, including any property-related charges, before committing.
What homes and uses qualify?
The current size limits are a house up to 10 marla or 2,720 square feet, or an apartment up to 1,500 square feet. The program describes financing for these purposes:
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- Buying a house or flat.
- Constructing a house on a plot the applicant already owns.
- Buying a plot and financing construction on it.
Property eligibility and valuation are part of underwriting. Ask the institution handling your application to confirm that the specific property and proposed transaction fit the current rules.
Who can apply?
The original SBP circular described eligible borrowers as first-time homeowners who are Pakistani citizens with a CNIC and do not own a housing unit in their name. A June 2026 SBP circular expanded access to overseas and non-resident Pakistanis holding a NICOP or POC. Because the program has been amended, applicants should verify current personal eligibility and document requirements with the portal or their chosen institution rather than relying on an older bank page.
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Participating delivery channels include commercial banks, Islamic banks, microfinance banks and the House Building Finance Company (HBFC). Later implementation guidance also permits government-employee bulk processing and private developer-led housing projects. These expanded channels do not by themselves guarantee that a particular applicant, employer or project will qualify.
How to apply
- Open the official program portal and create an account.
- Log in, complete the loan application and submit it through the portal.
- Alternatively, contact a participating financial institution and confirm its current product terms, document checklist and application route.
- Provide the requested information and documents, including the details needed to assess your income, existing financing obligations and proposed property.
- Review the lender’s written offer carefully, including the rate after the first 10 years, tenor, approved amount, borrower contribution and any applicable costs, before accepting it.
What approval checks and timelines should you expect?
Under SBP’s April 28, 2026 facilitation circular, combined monthly amortization for the proposed housing loan and other consumer-financing obligations should not exceed 65% of the applicant’s net disposable income. This is an underwriting ceiling, not a promise that an applicant at or below that level will be approved.
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For properties valued up to PKR 5 million, banks or HBFC may use their internal assessment resources. For properties valued above PKR 5 million, the assessment should involve at least one valuator from the Pakistan Banks’ Association-approved panel. SBP set a credit-approval target of no more than 15 working days after a complete application is received. That is a process target, not guaranteed approval or a guaranteed completion date for every case.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.How many applications had been received?
The Economic Coordination Committee and Press Information Department reported 10,594 applications received since launch, with disbursements underway, as of February 27, 2026. This is a dated snapshot, not a current cumulative total.
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- SPEAKS YOUR LANGUAGE: Keys clearly labeled in residential mortgage finance terms like Loan Amt, Int, Term, Pmt; this industry-standard calculator is super easy to use on all realty financing matters from finding a loan that works for your client to considering trust deeds investments, or finding remaining balances or balloon payments and more
- CONFIDENTLY AND EASILY SOLVE: Clients' financial questions whether they're buyers, sellers, investors or renters. Increase your perceived professionalism as a new agent, experienced broker or seasoned loan officer. Close more home sales and impress your clients with fast, accurate answers to all their real estate finance questions from PITI Payments to IRR, NPV and Cashflows
- DEDICATED BUYER QUALIFYING KEYS: Enter client's income, debt and expenses to pre-qualify them to only show properties they can afford. Include tax, insurance and mortgage insurance then compare loan options and payment solutions to give your client choices before they make an offer to buy
- FIGURE OUT THE RIGHT LOAN: For your client at the press of a button for jumbo, conventional, FHA/VA, or even 80:10:10 or 80:15:5 combo loans; check to see if ARMs or bi-weekly loans, quarterly payments or if interest-only payments are the answer; giving your client more choices; easily perform what if loan or TVM calculations find loan amount, term, interest or PITI or PI payments
- BECOME AN INVALUABLE RESOURCE: To your clients by reducing their confusion and uncertainty; ensuring they are able to make a purchase offer; knowing they can afford the down payment; and determining which is the right loan for them. Date-math for listings and contracts too. Comes with a protective slide cover, quick reference guide, pocket user's guide, long-life battery, 1-year warranty
How to compare participating-bank offers
The scheme’s headline policy terms do not make every bank’s product or process identical. Compare offers using the same details:
- The rate during the first 10 years and how the market rate is determined afterward.
- Maximum approved amount, loan-to-value ratio and required borrower contribution.
- Maximum tenor and repayment schedule.
- Whether the proposed property and financing purpose qualify.
- Any fees or other costs, and the lender’s current document and application requirements.
Use current circulars and written lender terms rather than assuming an undated or older product page reflects the latest policy. Standard Chartered Pakistan’s product page is one bank-level example of implementation under the revised program; its requirements are not automatically the same as those of other institutions.
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